If you are a victim of identity theft, it’s important that you take action as soon as you notice something is missing or wrong. If you have accounts at First Reliance Bank, contact your branch or account representative, or call our toll-free number 888.543.5510 right away to report the situation. Be sure to ask your personal banker to check the following for activity:
- Customer Transaction History to verify all the transactions are yours
- Customer Account Record to verify all your accounts are still open
As soon as you suspect you are a victim of identity theft, contact your bank(s) and card issuers so that:
- access to your valid accounts can be protected
- stop payment orders can be placed on missing or unauthorized checks
- Personal Identification Numbers (PINs) and online passwords can be changed
- new accounts can be opened, if necessary
Keep a record of all conversations and correspondence. Be sure to tell the bank or card issuer about all accounts and/or cards that could be potentially affected, such as ATM cards, check (debit) cards, credit cards and phone cards.
Next, contact the major check verification companies and request that they notify retailers not to accept checks on affected accounts. Three of the check verification companies that accept reports of check fraud directly from consumers are:
- Telecheck: 800-366-2425
- International Check Services: 800-526-5380
- SCAN: 800-262-7771
Click on the link below for a form that can be used to report information to many organizations and simplify the process of disputing charges with companies where a new account has been opened in your name:
Information Resources on Identity Theft
For more information on identity theft, visit the following websites:
To learn more about your credit history, or to get a copy of your credit report, contact the following:
- Equifax – www.equifax.com or 800-525-6285
- Experian – www.experian.com or 888-397-3742
- TransUnion – www.transunion.com or 800-680-7289
The government recently enacted legislation enabling consumers to receive a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
To receive your report, go to AnnualCreditReport.com. AnnualCreditReport.com is the official site created to help consumers to obtain their free annual credit report.