Consumer Protection tips you should know from Commercial Banking Company:
- We will not ask for account numbers and other sensitive personal information by email.
- If you have responded to a suspicious email, contact us immediately so we can protect your account(s) and your identity.
- Never give out your personal or financial information in response to an unsolicited phone call, fax or email, no matter how official it may seem.
- Do not respond to emails that may warn of dire consequences unless you validate your information immediately.
- Check your bank and credit card statements regularly and look for unauthorized transactions, even small ones. Report discrepancies immediately.
- When submitting financial information online, look for the padlock or key icon at the bottom of your internet browser. Most secure internet addresses, though not all, use "https".
DETER - DETECT - DEFEND
Avoid Identity Theft
Identity Theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes.
Deter identity theft by safeguarding your information.
- Shred all financial documents.
- Protect your Social Security number.
- Do not give out personal information by phone, mail or email unless you know who you are dealing with.
- Never click on links sent in unsolicited emails.
- Don’t use an obvious password.
- Keep personal information in a secure place.
Detect suspicious activity by routinely monitoring your financial accounts and billing statements. Be alert to signs that require immediate attention:
- Bills that do not arrive as expected.
- Unexpected credit cards or account statements that you receive.
- Denials of credit for no apparent reason.
- Calls or letters about purchases you did not make.
- Charges on your financial statements that you don’t recognize.
- Inspect your credit report at least annually.
Defend against identity theft as soon as you suspect it.
- Place a fraud alert on your credit reports and review the reports carefully.
- Experian 1-888-397-3742
- TransUnion 1-800-680-7289
- Equifax 1-800-525-6285
- Contact the security or fraud departments of each company where an account was opened or charged without your okay.
- File a police report with local law enforcement.
- Report identity theft to the Federal Trade Commission, 1-877-438-4338 or www.ftc.gov/idtheft
Common ways identity theft happens:
- Dumpster diving, looking for bills or personal information
- Skimming, using a special storage device to steal your debit/credit card numbers when processing your card.
- Phishing, pretending to be your financial institution or a government agency by sending emails or pop up messages to get you to reveal your personal information.
- Hacking, getting into your email or other online accounts to access your personal information.
- Old Fashioned Stealing, stealing wallets, purses, mail or other records to gain your personal information.
Additional resources are available through the Federal Trade Commission, www.ftc.gov/idtheft or by calling 1-877-438-4338.