Credit union Official sources verified

MIDFLORIDA Credit Union fraud reporting routes

Debit, credit, check, ACH, card dispute, and after-hours reporting.

Last checkedAug 5, 2026Official website

This independent directory is not affiliated with MIDFLORIDA Credit Union. Contacts below are sourced only from verified official pages.

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Exact verified routeChecked 2026-08-05

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MIDFLORIDA member service

863-688-3733 or 866-913-3733

Call promptly about debit-card fraud or suspicious charges.

Source: MIDFLORIDA Security and Fraud Reporting

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7

Transaction date
Collect the posted transaction date.
Have ready for dispute
Transaction amount
Collect amount and currency.
Have ready for dispute
Posted transaction status
Ask user whether transaction is posted before routing to dispute.
Required/recommended by Square
Merchant contact attempt
Track whether merchant contact was attempted and result.
Required/recommended by Square
List fraudulent payments
Group disputed Square Debit Card payments where eligible.
Required/recommended by Square
Transaction date, amount, merchant
Collect before contacting issuer.
Recommended by Citi
Date of last known transaction
Identify whether it was legitimate or unauthorized.
Have ready before calling

Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7

Prepaid/gift card receipts
Preserve receipts, card packaging, card numbers/photos where safe, and redemption records; redact public outputs.
Keep original
Posted transaction record
Verify payment is posted and not pending/voided before filing Square Debit Card dispute.
Copy acceptable
Visa Fraud Affidavit
Keep a complete copy of the signed affidavit and submission confirmation.
Copy acceptable; retain original if required
Last known transaction details
Preserve the transaction record showing date, amount, and location or merchant.
Copy acceptable
Completed cardholder fraud affidavit
Keep a copy of the completed affidavit and all documents submitted with it.
Keep copy; submit as directed
Canceled checks
Preserve originals; store copy/reference in FraudPrep.
Keep original
Receipts
Preserve originals for payment/report records.
Keep original

Time-sensitive notesOfficially published windows or availability conditions1

Fraud claim

Report within 60 days of the statement showing the transaction

Record the statement date and submit the claim promptly.

Other official reporting routesAgencies that may apply depending on the facts11

FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.

FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.

CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.

USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.

U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.

Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.

FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.

Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.

NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.

IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.

SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.

Official sources and verificationEvery public route links back to an independently checked official source2

MIDFLORIDA Security and Fraud ReportingFraud, debit, credit, check, after-hours, and suspicious-message routes. · Verified in browser MIDFLORIDA Card DisputesCard dispute process, documentation, and claim windows. · Verified in browser

Other verified routes for MIDFLORIDA Credit Union

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