If you even suspect you’ve been a victim of fraud or identity theft, act quickly.
Time is of the essence. The faster you react, the less potential there is for damage to your financial future.
Following are several steps to take in the event that you have been a target of fraud/identity theft:
- Call S&T at 800.325.2265 and we will walk you through the steps you need to take in the short and long term to restore your finances.
- Contact any other financial institution(s) with whom you deal and make all parties aware of the situation. Ask all parties to review transaction activity on all of your accounts and restrict future account activity until the situation is rectified. Open new accounts if necessary.
- Contact the toll-free fraud number of any of the three consumer reporting companies below to place a Fraud Alert on your credit report. Whichever company you call is required to contact the other two, which will place an alert on their versions of your report as well.
Experian: 1-888-EXPERIAN (397-3742)
- By placing a Fraud Alert, you can help prevent an identity thief from opening any additional accounts in your name.
- File an Identity Theft Affidavit immediately and send a copy to all financial institutions with which you have relationships. Completing this form will make it easier to dispute any fraudulent charges that identity thieves may run up on your accounts.
- Determine if any of your personal data/documents have been stolen. If checks are missing, issue stop payments; if your driver’s license is missing, call the DMV; if your Social Security Card is missing, contact the Social Security Administration, etc.
- Make arrangements to have any account numbers, personal identification numbers (PIN) and passwords changed immediately.
- File a report with the police and obtain a copy of it for your records. You may also choose to file a complaint with the Federal Trade Commission online at: www.ftc.gov/idtheft. By alerting the FTC, you can help law enforcement officials prevent future incidents of fraud and identity theft.
- Keep thorough documentation of every action you take, with whom you spoke and when, and the results of the communication to have an accurate record of events for future reference.