Learning that money has been stolen from your bank account is unnerving. Lots of questions flash through your mind: How did this happen? Who did it? Will I get my money back? How can I make sure it doesn’t happen again? You certainly want your bank to be on top of the situation, not make you feel even more vulnerable.
A swath of folks from Western Allegheny to Beaver County recently learned their accounts had been hacked over a weekend. Officials think the fraudulent withdrawals may have been made using a skimmer installed in the financial institution’s ATMs or at a retail location like gas stations, but they weren’t really sure. In fact, they didn’t know if 15 or 150 customers were affected.
Often, in these situations, the biggest disappointment is the way the credit union or bank treats these customers. The fraud victims usually have to go a bank branch, fill out paperwork, and jump through other hoops. Plus, it can take more than a week to get the stolen funds returned to victim’s accounts. Not good when you consider the ripple effect an unexpected empty bank account can cause. I think it’s fair to say the whole experience probably makes them think very differently about their credit union—and not in a good way!
At CHROME, we are proactive advocates for you—no matter what happens. That’s why we’ve invented CHROME Confidence—fast, responsive, unconditional support to protect your money, resolve the situation if something goes wrong, and give you peace of mind.
The first thing you should know is that we use a lot of smart, state-of-art tools to rigorously monitor fraud and stop it before it happens. But if a hacker or skimmer should breach your account, we have an action plan in place to make the situation right—fast.
We don’t leave you in a lurch. If you need to make a purchase or stop by to withdrawal money from an ATM before we deactivate your card, we’ll wait for you to complete your transaction before doing so. Other banks have no problem shutting things down right away and leaving you stranded with no funds.
We prepare the necessary forms and email them to you. While most credit unions and banks make you come to a branch office and sign lots of forms in person, we make it easy. Simply sign the forms electronically using your smartphone or tablet and email them back to us. If you don’t have access to the Internet, no worries. We’ll prepare all the forms in advance so they’re ready for your signature when you come to a CHROME store.
We credit your account right away. Once we have your signed forms, the stolen funds will be returned to your account before the end of the day. And it doesn’t matter if the theft takes place over the weekend or on a holiday—we’ll take care of it! Returning your money as quickly as possible is the most important thing to us.
We replace your debit or credit card ASAP. We will even expedite your new card at no charge if you need it sooner than the usual delivery time.
We make sure you’re completely happy. We check in with you to make sure you received your new card, and that the fraud is completely resolved to your satisfaction.
So don’t worry! CHROME on. Learn more about all the benefits of CHROME Confidence.