Report Fraud & Identity Theft
Contact your Banking Center
If you notice inconsistencies in your Peoples Bank account, contact your local Banking Center immediately.
If you believe you are a victim of identity theft that extends beyond your Peoples Bank account(s), here are some steps you should consider taking:
The fraud departments of the three main credit bureaus track the accounts opened in your name. You can request that a short or long-term “fraud alert” be placed on your credit file, which requires creditors to verify your identity before opening any new accounts in your name or changing any existing accounts. You only need to contact one bureau to do this and that bureau will notify the others.
Credit bureaus must provide victims of identity theft with a free copy of their credit report. You should request one from each bureau, since the information can differ. Look them over carefully to see if any fraudulent accounts have been opened, and if so, notify the credit bureau and the companies where accounts were opened to report the fraud directly. Once the dispute has been resolved, the credit bureaus that you dealt with will send you another copy of your credit report so you can review it again to make sure that all fraudulent activity has stopped and your file has been corrected.
For more information about the steps to take, and to get your credit reports, contact the credit bureaus listed below:
Equifax: 1-800-525-6285 or www.equifax.com
Experian: 1-888-397-3742 or www.experian.com
TransUnion: 1-800-680-7289 or www.transunion.com
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.
Contact Other Creditors
Contact your other creditors including credit card and phone companies, as well as banks and other lenders, to notify them of potential fraud. Always follow up any telephone conversations with a letter. Close any accounts that have been breached and reopen them with new account numbers and passwords. We strongly suggest not using your Social Security number as either a username or password.
File a Report with the Local Police
Contact your local police department if you suspect that your personal information was stolen. A police report will lend weight to your case when dealing with creditors who may require proof of criminal activity.
Report the criminal activity to the Federal Trade Commission (FTC) Call the toll-free hotline at 1-877-ID THEFT (1-877-438-4338) to speak with a trained identity theft counselor. Or enter information about your complaint into a secure FTC online database at www.ftc.gov. Your information may be shared with other law enforcement agencies investigating identity theft.
Contact Other Agencies as Appropriate
Postal Inspection Service at www.usps.com. If you believe your mail was stolen or redirected, notify the Postal Inspector at your local post office.
Social Security Fraud Hotline at 1-800-269-0271. If you suspect someone is using your Social Security number for fraudulent purposes, call the hotline.
Department of Motor Vehicles office at www.dmv.org. If you believe someone is trying to get a driver’s license or identification card using your name and information, contact your local DMV. Carefully review all your accounts. Since identity theft takes time to completely resolve, you should continue to carefully review all charges and transactions appearing on account statements and online. Any discrepancies should be reported immediately.