PB&T
DEBIT CARD SECURITY BLOCKS |
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Due
to risk of fraud and identity theft, PB&T has blocked all international
debit card signature based transactions as well as those in the state
of California. Customers traveling internationally or to California
must use their PIN to complete a debit card transaction. If you have
any questions about the use of your debit card while traveling please
contact our ATM Department at (636) 528-7001. |
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What
is Identity Theft?
Identity theft is a serious crime. It can
disrupt your finances, credit history, and reputation, and
take time, money, and patience to resolve. Identity theft
happens when someone steals your personal information and
uses it without your permission.
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go through trash cans
and dumpsters, stealing bills and documents that have
sensitive information.
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work for businesses,
medical offices, or government agencies, and steal
personal information on the job.
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misuse the name of
a legitimate business, and call or send emails that
trick you into revealing personal information.
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pretend to offer
a job, a loan, or an apartment, and ask you to send
personal information to “qualify.”
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steal your wallet,
purse, backpack, or mail, and remove your credit
cards, driver’s license, passport, health
insurance card, and other items that show personal
information.
How
Can I Protect My Information?
Do you utilize online banking
and bill pay options?
Click here
for tips on how to make online transactions safe and more
secure.
Are you a business owner?
Click here for
tips on how to make online banking for your business safe
and more secure.
Deluxe Provent
Deluxe Provent is an Identity Theft monitoring service
offered by Peoples Bank. For a small monthly fee,
you are able select the level of protection you desire
to proactively monitor your credit and notify your
instantly of any suspicious activity.
Click
here for more information on Deluxe Provent or
call your local bank branch.
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Red Flags of Fraud
& Identiy Theft
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mistakes on your bank,
credit card, or other account statements
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mistakes on the explanation
of medical benefits from your health plan
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your regular bills and
account statements don’t arrive on time
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bills or collection notices
for products or services you never received
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calls from debt collectors
about debts that don’t belong to you
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a notice from the IRS that
someone used your Social Security number
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mail, email, or calls about
accounts or jobs in your minor child’s name
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unwarranted collection
notices on your credit report
-
businesses turn down your
checks
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you are turned down unexpectedly
for a loan or job
If
Your Identity is Stolen...
Flag Your Credit Reports
Call one of the nationwide credit reporting companies, and ask
for a fraud alert on your credit report. The company you call
must contact the other two so they can put fraud alerts on your
files. An initial fraud alert is good for 90 days.
Equifax 1 800 525 6285
Experian 1 888 397 3742
TransUnion 1 800 680 7289
Order Your Credit
Reports
Each company’s credit report about you is slightly different,
so order a report from each company. When you order, you must
answer some questions to prove your identity. Read your reports
carefully to see if the information is correct. If you see mistakes
or signs of fraud, contact the credit reporting company.
Create an Identity Theft Report
An Identity Theft Report can help you get fraudulent information
removed from your credit report, stop a company from collecting
debts caused by identity theft, and get information about accounts
a thief opened in your name. To create an Identity Theft Report:
- file a complaint with the FTC at ftc.gov/complaint or
1-877-438-4338; TTY: 1-866-653-4261. Your completed complaint
is called an FTC Affidavit.
- take your FTC Affidavit to your local police, or to the
police where the theft occurred, and file a police report.
Get a copy of the police report.
The two documents comprise an Identity Theft Report
Useful Links
For more information on Fraud & Identity Theft, please visit
the following websites:
www.idtheft.gov
www.ftc.gov/bcp/menus/consumer/data.shtm
www.usa.gov/topics/consumer.shtml
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