Fraud, Scams, ID Theft
Debit Card Phone Fraud Alert
Cardholder awareness is vital to combat fraud. Should you receive any questionable calls, please make sure you do not provide personal information.
- Make sure you, the cardholder, initiate the contact and the institution verifies your identity with questions only you would know.
- To verify whether a call is legitimate, call your financial institution or visit its website, using phone numbers or internet addresses from your bank statement or account documentation.
- Do not call back a number provided over the phone or click on a link in an email.
- Most communications will include something that will concern or excite the victim.
- If you have been the victim of a scam, file a complaint with local law enforcement.
- Notify your financial institution.
How can someone steal your identity?
Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.
Identity theft is a serious crime.
People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their good name and credit record. In the meantime, victims may lose job opportunities, be refused loans for education, housing, or cars, or even get arrested for crimes they didn't commit.
How to prevent becoming a victim of identity theft:
- Check your credit report annually
- Don't give out personal information
- Review your bills and statements on a regular basis
- Guard your mail and trash from theft
- Shred items that contain personal information
- Document the contents of your wallet or purse, including emergency contact numbers on credit cards
- Report lost or stolen checks or credit cards immediately
For more information on preventing Identity Theft contact: www.ftc.gov/idtheft/
What to do if you fall victim to identity theft:
- Contact your financial institution immediately and alert it to the situation
- If you have disclosed sensitive information in a phishing attempt, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau's fraud division:
P.O. Box 740250
Atlanta, GA 30374
P.O. Box 1017
Allen, TX 75013
P.O. Box 6790
Fullerton, CA 92634
If you feel you have been a victim of Identity Theft, contact your bank or the Federal Trade Commission Identity Theft Hotline at 1-877-IDTHEFT (438-4338).