THE PECOS COUNTY
STATE BANK
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STATE BANK
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Identity theft, what you should know Steps to Prevent Becoming a Victim of Identity Theft ¨ Check your credit history annually with the three major credit bureaus. A free report can be obtained by utilizing the following website offered by the Federal Trade Commission: www.annualcreditreport.com
¨ Don’t give out personal information when solicited especially over the telephone or internet unless you are certain your trust is warranted.
¨ Review your bills and statements on a regular basis for unauthorized transactions or changes to your accounts.
¨ Guard your mail and trash from theft.
¨ Shred paperwork that contains personal information before disposing of it in the trash.
¨ Report lost or stolen checks or credit cards immediately.
¨ Consider purchasing an Identity Theft monitoring service and Identity Theft insurance.
1. Investigate the coverage offered by your homeowner’s insurance policy, 2. Consider purchasing identity theft services from a major credit card company or 3. Consider purchasing stand alone identity theft services. You can compare reputable services at http://www.identitytheftfacts.com .
Steps to Take if You Are a Victim of Identity Theft
¨ Contact your financial institutions & credit card issuers immediately so that the following can be done: access to your accounts can be protected; stop payments on missing checks; personal identification numbers (PINs) and online banking passwords changed; and a new account opened, if appropriate. Be sure to indicate to the financial institution or card issuer all of the accounts and/or cards potentially impacted including ATM cards, check (debit) cards and credit cards.
¨ File a police report with your local police department & obtain a police report number with the time, date, and location and police officer taking the report. The police report will be helpful when clarifying to creditors that you’re a victim of identity theft.
¨ Contact three major credit bureaus and request a copy of your credit report. Review your reports to make sure additional fraudulent accounts have not been opened in your name or unauthorized changes made to your existing accounts.
¨ Maintain a written chronology of what happened, what was stolen and the steps you took to report the incidents to the various agencies, financial institutions and firms impacted. Be sure to record the date, time, contact telephone numbers, person you talked to and any relevant report or reference number and instructions.
If you suspect that someone has had unauthorized access to your account with us, or access to your personal identifying information such as your Social Security number or credit card information, please notify a Pecos County State Bank representative immediately so we can take action to protect you. In addition, you should also report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC). To speak with a trained FTC telephone counselor, call toll-free at 1-877-IDTHEFT (1-877-438-4338) visit the website at http://www.ftc.gov/bcp/edu/microsites/idtheft . The site also provides links to numerous consumer education materials.
LOST OR STOLEN DEBIT ATM CARDS CALL 1 (800) 264-4274
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For information please contact
info@pcsbank.net |
