Heritage Federal Credit Union has partnered with Fraud-Defender for fully managed identity recovery services when you suspect identity theft for any reason, or your personal information has been compromised. With Fraud-Defender, a professional Recovery Advocate does the work on your behalf to restore your identity. With a family plan, if your identity theft event affects a family member, these benefits extend to cover three generations of your family with up to $1 Million in coverage.
Fraud-Defender identity theft recovery services packages starting as low as $6.95 per month. The fee will be automatically deducted from your checking account each month.
The following are the available benefits in various packages of the Fraud-Defender Program:
Fully Managed Recovery, Lost Document Replacement, 1 Bureau Credit Monitoring, Credential Vault, Expense Reimbursement up to $1M and Internet Black Market Monitoring.
Single plan – $6.95 month or Family Plan $13.70 month
Fully Managed Recovery, Lost Document Replacement, 3 Bureau Credit Monitoring, Credential Vault, Expense Reimbursement up to $1M, ID Monitoring – Public Records and Internet Black Market Monitoring.
Single plan – $12.95 month or Family Plan $24.90 month
Fully Managed Recovery, Lost Document Replacement, 3 Bureau Credit Monitoring, 3 Bureau Credit Report & Score, Credential Vault, Expense Reimbursement up to $1M and Internet Black Market Monitoring.
Single plan – $15.95 month or Family Plan $31.60 month
Anyone who purchases a Fraud-Defender website subscription package. An account relationship is not required and the benefits remain in place until the member chooses to cancel them.
The activation is an automatic part of the purchase process. Members will choose a package, make payment, authenticate identity and activate all in one easy process which takes only a few minutes to complete.
With this program, the victim is not required to have the time, skills or knowledge to perform the recovery tasks. A professional, certified Recovery Advocate will work on the victim’s behalf to perform the recovery tasks and restore the victim’s name to prevent status.
ALL types of identity theft – financial or non-financial. It does not need to be related to an account with Heritage FCU. Non-financial identity theft may be related to government documents or government benefits, utilities, employment, medical, and many more. This program covers all types of identity fraud.
With the Family Plan purchase, Fraud-Defender Recovery Services extend to three generations (3G) of the member’s family. Included are the spouse or domestic partner, children up to age 25 with the same permanent residence, any IRS-qualified dependents, and parents of the member with the same permanent residence or in elder care (nursing home, assisted living, hospice), with benefits extended up to 12 months after death.
The 3G family benefits apply to the Fully Managed Recovery services portion of the Fraud-Defender features only. The various Monitoring services, Credential Vault, and Expense Reimbursement extend to one additional adult, not the entire 3G group.
As long as they maintain the same permanent address as the covered member, dependents under age 25 are covered.
The Recovery Advocate will create a customized recovery plan and will perform the legwork for the victim. Through a Limited Power of Attorney (when needed), the Recovery Advocate will contact and remediate the fraud with government agencies, retailers, credit agencies, financial institutions, etc.
There is no way to accurately estimate the length of recovery because each individual fraud case is different. Depending on the nature of the problem, complete resolution may take from a few days to many months or more.
There is no time limit on recovery – the Recovery Advocate will continue to work until the victim’s identity is restored to pre-theft status and all problems are resolved. Once the identity is restored, the Recovery Advocate will follow up for 12 months to assure that no further problems have surfaced.
Fraud does not need to be confirmed prior to requesting assistance. The Recovery Advocate will do the research to determine if identity theft exists and will remediate the fraud if it exists. If not, the Recovery Advocate can take preventative actions like placing fraud alerts on the member’s credit files.
Whenever the member suspects identity theft for any reason. If there is actual evidence of identity fraud or if the member’s personal information has been compromised (e.g. lost wallet, data breach, phishing scam, etc.), a Recovery Advocate can assess the situation and create a plan of action for the member.
There is a toll-free hotline available on every page of the Fraud-Defender website and Identity Care Account. Phones are answered 24/7/365
The Recovery Advocate works one-on-one with the member to assess the situation and develop an identity recovery plan. Then, the Recovery Advocate works on the victim’s behalf to remediate the fraud under the authority of a Limited Power of Attorney. Once recovery is complete the Recovery Advocate follows up for 12 months and if any new issues arise a new case is opened.
Fraud-Defender’s Recovery Advocates provide the highest quality of
services, backed up by the following licenses and certifications:
Identity Theft Certifications:
Crisis Management Training:
If an important document is lost or stolen, the member can receive help from a Recovery Advocate who will perform the necessary steps to assist the member in replacing the missing document.
Driver’s License, passport, birth certificate, Social Security Card, license or certification documents, marriage license, credit cards, debit cards, etc.
Even though the items may simply be lost, not necessarily in the wrong hands, the individual should be submitted for assistance from a Recovery Advocate. The Recovery Advocate knows the steps to take to help prevent or mitigate identity theft in these circumstances.
Website Purchase – Members have two options:
The benefits will terminate at the end of the month in which the request is made. If the member chose the annual payment method, we will refund any unused portion of the annual subscription back to the credit/debit card or ACH account that was used to make the subscription payment originally.
The Fraud-Defender Recovery Advocates are trained to handle all member service inquiries including website technical troubleshooting, member service questions about the program features, payment processing questions for website purchases, etc.
Please note that Recovery Advocates will not answer any questions pertaining to the member’s account (fees, terms, etc.). These questions will be referred back to Heritage FCU.
The member will receive an automatic email stating that payment was not received/processed. They will have 30 days to access their identity care account and provide a new method of payment. If they do not update the payment method, the subscription will be canceled on the 31st day and a cancellation email is sent automatically.
Yes. Members always have access to their secure Identity Care Accounts and can maintain preferences and personal information in the My Profile section.
Yes, it expires automatically after 180 days.
Yes. The member would need to call the Recovery Care Center’s hotline and request that change. They will be billed/credited the difference between the plan options.
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