Recommended
Actions For Victims
Your level of awareness is key to protecting yourself and
your personal information.
If
you have given out your Credit, Debit or ATM Card information:
- Bank of Stanly has these toll-free numbers to deal with
such emergencies:
- To Report Credit
Cards: - 1-866-604-0381 or (1-800)
325-3678
- Cancel your account and open a new one.
- Review your
billing statements carefully after the loss.
Credit
Card Loss or Fraudulent Charges
Your maximum liability under federal law
for unauthorized use of your credit card is $50 (many financial
services companies have different policies so be sure to
check with each of them). If the loss involves your credit
card number, but not the card itself, you have no liability
for unauthorized use; in general, you may only be liable
for a very small amount but always check with your individual
card company for their exact policy.
Debit or ATM Card Loss or Fraudulent Transfers
- Your liability under federal law for unauthorized use
of your ATM or debit card depends on how quickly you report
the loss.
If
you have given out your Bank Account information
- Cancel your account and open a new one
If you have given out your Personal Identification Information
The 3 Major Credit Reporting Agencies
Equifax - http://www.Equifax.com
- To report fraud, call: 1-800-525-6285
and write to: P.O. Box 740241, Atlanta, GA 30374-0241
- Hearing impaired call 1-800-255-0056
and ask the operator to call the Auto Disclosure Line at
1-800-685-1111 to request a copy of your report.
Experian - http://www.Experian.com
- To report fraud, call: 1-888-397-3742 and write to:
P.O. Box 9530, Allen TX 75013 TDD: 1-800-972-0322 '
Trans Union - http://www.TransUnion.com
- To order your report, call: 1-800-888-4213 or write
to: P.O. Box 1000, Chester, PA 19022
- To report fraud, call: 1-800-680-7289 and write: Fraud
Victim Assistance Division, P.O. Box 6790, Fullerton,
CA 92634 TDD: 1-877-553-7803
Additional Information
If bank accounts were set up without your consent, close
them.
If your ATM card was stolen,
get a new card, account number and PIN
- Contact
the Social Security Administration's Fraud
Hotline to report the unauthorized use of your personal
identification information.
- Notify the Department of Motor Vehicles
of your identity theft.
- Check to see whether
an unauthorized license number has been issued in
your name.
- Notify the passport office to watch out
for anyone ordering a passport
in your name. File a complaint with the Federal Trade
Commission.
- Ask for a free copy of "ID Theft: When
Bad Things Happen in Your Good
Name," a guide
that will help you guard
against and recover from your theft.
- File a complaint with the Internet Fraud
Complaint Center (IFCC) by
visiting their website: http://www.ifccfbi.gov
- The Internet
Fraud Complaint Center (IFCC) is a partnership between
the Federal Bureau of Investigation (FBI) and the National
White Collar Crime Center (NW3C), with a mission to address fraud committed
over the Internet.
- For victims of Internet fraud, IFCC
provides a convenient and easy-to-use
reporting mechanism that alerts authorities of a
suspected criminal or civil violation.
- Document the names and phone numbers of everyone you speak
to regarding the incident. Follow-up your phone calls
with letters. Keep copies of all correspondence.
Additional Resources
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(Equal
Housing Lender)