Community First Bank, N.A. is committed to provide you assistance should your personal information be lost or stolen. Fraud can happen to anyone, anytime. It is almost impossible to predict when and where. The best rule to follow is
DO NOT give out your personal information without first positively identifying the person asking for the information and the reason for the request.
What to do if you feel you have become a victim of identity theft or fraud?
- Contact all financial institutions. We, at Community First Bank, will advise you on the best step to take. This could be closing the compromised account(s) or monitoring the account(s) for suspicious activity. New accounts can be opened and balances transferred. You should request new PIN numbers and passwords, if applicable.
- Contact all your credit card companies. It is best to call them as soon as possible to report the theft or loss. Report unauthorized charges on your monthly statements when you first receive your billing.
- If your social security card is missing, contact your local Social Security office for directions on obtaining a new card and steps you can take to monitor your earnings. The SSA fraud hotline can also assist you with the identity theft issues.
- If your driver's license or government issued identification is found to be missing, contact the issuing agency. Follow their procedures and recommendations for a replacement. Ask the agency to "flag" your file so no one, other than yourself, can obtain a replacement.
- Report the theft to each of the three credit bureaus' fraud departments. You can request a "fraud alert" be placed on your file. This makes it more difficult for someone to obtain credit in your name. Monitor your credit report yearly by visiting
www.annualcreditreport.com. It is the only "free" service on the internet. You can request a copy of your report by phone, mail, or throught the internet.
- Contact local law enforcement agencies. Authorities will be able to answer questions and assist in finding the correct agencies to help with your problem. Be sure to include the post office if you believe the theft occurred by mail fraud.
- File your complaint with the Federal Trade Commission. Instructions are available at
- Finally, keep records on who you have contacted and make copies of all documents.
What Preventive Actions Can Be Taken
NEVER give personal information over the phone. Unless you initiate the call, Community First Bank will never ask to update information over the phone. We have that information on file. Your social security number, date of birth, credit card numbers, PIN numbers or any other personal information should be protected and released only when absolutely necessary.
- Don't carry your social security card. Remove your social security number from your Driver's License and health insurance card. If someone asks for your social security number, ask questions about the usage. Another number may be used as an identifier.
- Promptly remove your mail as soon after delivery as possible. Deposit outgoing mail at the post office or post office collection boxes. Do not leave unsecured mail in your home receptacle. The "Red Flag" is a signal to identity thieves to "come and get it!"
- If you do not already own one, buy a shredder, and shred all preapproved credit applications, credit card receipts, and other financial information you don't want before discarding them in the trash or recycling bins.
- Empty your purse or wallet of extra credit cards and IDs. Consider cancelling those accounts you do not use. Be sure to keep a list of cards and account numbers you are carrying at home in a secure place.
- Never loan your credit cards or debit card (with PIN) to anyone.
- Make sure all financial institutions and credit card companies have your current address and phone number.
- DO NOT write your PIN number on your card or carry the number in your purse or wallet.
- After using bank machines, gasoline pumps, etc., be sure to take your receipts.
- Save all credit/debit card receipts. Compare and match to your regular monthly statement. When receipts are no longer needed, shred them.
- Know when your statements normally arrive. Inquire when they are late in arriving.
- If you have applied for a new card and it hasn't arrived in a timely manner, call the bank or company to check on the status.
- Report lost or stolen cards immediately.
- Beware of mail or telephone solicitations disguised as promotions or information gathering calls. Thieves use a variety of ways to trick you into giving out your personal information.
- Always use caution when disclosing personal and financial information over the internet. Check for the secured authentication key from the provider.
- There are times when you will be asked to supply credit card information when ordering on the internet. Know the website. Be aware of con artists who may call and ask you to "confirm" information by disclosing passwords or the credit card account number used to subscribe. Don't give them out!
- Use a firewall or other internet security programs to protect against hackers and other computer crimes. Always use a secure browser that encrypts or scrambles information you send over the internet. Virus protection is important. The software should be updated refularly. Don't open email files from strangers. Install spyware to protect your computer.
- Order your credit report yearly. Federal law states you are entitled to one free copy of your credit report, at your request, once every 12 months. Visit
call toll-free (877-322-8228), or complete the Annual Credit Report Request Form (found on the internet) and mail to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.
Report Identity Theft to:
Community First Bank, N.A.
1. Forest - 419-273-2595
2. Kenton - 419-673-1084
3. Upper Sandusky - 419-209-0308
Other Financial Institutions With Which You May Have Accounts
Local Law Enforcement Agencies
Equifax Credit Bureau, Fraud Division - 800-525-6285
Experian Information Solutions, Fraud Department - 888-397-3742
TransUnion Credit Bureau, Fraud Division - 800-680-7289
Your Local Post Office
Social Security Administration, Fraud Hotline - 800-269-0271
Your Local Bureau of Motor Vehicles/Driver's License Bureau