Are you having difficulties? Do you need help?
Keeping up with loan and credit card payments can be difficult, especially if you are experiencing a job loss, illness, or have become overextended with credit. If you need help, we are here.
Getting back on track and staying ahead of your debt takes patience and time. If you need help or guidance, there are some actions you can take today to help get your payments under control.
If you know you may be late on a VBSFCU loan payment, call us before the payment is due. We don’t want to see you fall behind and may be able to help you work out a repayment plan that fits your situation and needs.
Who do I call for help or questions?
VBSFCU offers a specialized team of Loan Servicing staff members who are ready to help.
Available exclusively by phone at 1-757-463-3650 option 5, allowing you to have a private conversation about your specific situation.
Tel: 757-463-3650 x326, x339 or x340
Do you offer any classes to help me get back on track?
VBSFCU partners with a local program called Bank On Hampton Roads. Bank On is an adult financial education program. Click here to learn more.
How can I protect myself against identity theft?
Some of the ways criminals use identity theft for financial gain are obtaining credit card accounts, opening utility services, creating counterfeit checks, making ATM withdrawals, obtaining a car or personal loans and many more.
Some of the ways you can help reduce or prevent identity theft are to use good consumer knowledge and use only reputable businesses.
One way to find if a business is using good practice is to refer to the Better Business Bureau web site at www.BBB.org.
How do I protect myself online?
Secondly, you should never provide your personal information via the internet unless the site is secure.
The way to tell is a web site is secure or not is that there will be a “padlock” icon in the lower right corner of the web page, or located in the right-hand corner of the address bar.
Never allow anyone to have or use your credit card, debit cards or checks.
While you may be comfortable with the person using them in a particular instance, it will or could possibly leave you liable for any losses after that point should they use them again without your permission.
Remember to read your Credit Union statements each month for any unauthorized charges or usage.
If you have questions about the statement alert the Credit Union immediately regarding possible fraud activity on your account.
Do you want to learn more? Click here to visit our Privacy and Security Center
BEWARE OF BOGUS CHECK SCAMS, LOTTERY CHECKS, and FRAUDULENT MONEY ORDERS
If you receive any checks or money orders in the mail you did not request or were not expecting, there is a chance these checks or money orders are counterfeit or bogus.
Normally, along with the check or money orders is an instruction letter explaining how much you can keep and how much you are required to send back to a person/company (usually to an overseas address).
It is VBSFCU’s policy to place a hold on these checks for a period of 3-5 days. The hold is for your protection.
What happens if I cash or deposit one of these checks?
If you deposit or cash these items and they are counterfeit you will be held liable to the Credit Union for any loss.
Do not cash or deposit a check from someone you don’t know.