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ID Theft
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Following
is information about what to do if you become a victim of a phishing
scam or identity theft. Phishing,
of course, involves the use of replicas of existing Web
pages to try to deceive you into entering personal,
financial or password data. Valley Savings Bank
recommends that you never respond to email messages asking
you to verify personal information. But accidents
happen, and the following information could be useful if
you’ve been scammed. If
you have given out your credit, debit or ATM card
information:
Credit
Card Loss or Fraudulent Charges Your
maximum liability under federal law for unauthorized use of
your credit card is $50 (policies vary). If the loss
involves your credit card number, but not the card itself,
you have no liability for unauthorized use; in general, you
may only be liable for a very small amount but always check
with your individual card company for their exact policy. Your
liability depends on how quickly the loss is reported.
You risk unlimited loss by failing to report an unauthorized
transfer within 60 days after your bank statement containing
unauthorized use is mailed to you. If
you have given out your bank account information:
If
you have downloaded a virus or ‘Trojan Horse’:
Check
your other accounts – suspects may have accessed
different accounts: eBay account, PayPal, your email
ISP, online bank accounts, and other e-commerce accounts. If
you have given out your personal identification information: Identity
theft occurs when someone uses your personal information
such as your name, Social Security number, credit card
number or other identifying information, without your
permission to commit fraud or other crimes. If you
have given this information to a phisher, you should do the
following:
Major
Credit Bureaus: Equifax -www.equifax.com Experian
- www.experian.com Trans
Union - www.transunion.com Identify
Theft Resources: http://www.consumer.gov/idtheft/ http://www.identity-theft-help.us/ http://www.usdoj.gov/criminal/fraud/idtheft.html http://www.ifccfbi.gov/index.asp http://www.ftc.gov/bcp/conline/pubs/alerts/phishingalrt.htm Notify
your bank(s) and ask them to flag your account and contact
you regarding any unusual activity: If bank accounts were
set up without your consent, close them; If your ATM card
was stolen, get a new card, account number and PIN; Contact
your local police department to file a criminal report;
Contact the Social Security Administration’s Fraud Hotline
to report the unauthorized use of your personal
identification information; Notify the Department of Motor
Vehicles of your identity theft; Check to see whether an
unauthorized license number has been issued in your name;
Notify the passport office to watch for anyone ordering a
passport in your name; File a complaint with the Federal
Trade Commission; Ask for a free copy of "ID Theft:
When Bad Things Happen in Your Good Name"; File a
complaint with the Internet Fraud Complaint Center(IFCC) by
visiting their website: http://www.ifccfbi.gov/index.asp. For
victims of Internet fraud, IFCC provides a convenient and
easy reporting mechanism that alerts authorities of
suspected criminal or civil violations. Document
the names and phone numbers of everyone you speak with
regarding the incident. Follow-up your phone calls
with letters. Keep copies of all correspondence. If
you see a suspicious-looking email message claiming to be
from Valley Savings Bank please let us know. We
continually monitor such reports and act on them promptly.
Additionally, also consider contacting the FBI’s Internet
Fraud Complaint Center at www.ifccfbi.gov.
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Main
Office 330.923.0454 |
Cuyahoga
Falls 330.928.8550 |
Stow 330.686-0044 |
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