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Identity Theft

Account fraud or identity theft occurs when a person gains access to your personal information, (your bank account number or Social Security number, for example) and then uses this information for illegal purposes – or to withdraw money from your account.

How can I tell if my identity was stolen?

The best way to know if your identity was stolen is to monitor your accounts and bank statements each month, and check your credit report on a regular basis. If you see unusual transactions at merchants that you did not use, that may be a sign that your identity was compromised. If you check your credit report regularly, you may be able to limit the damage caused by identity theft.

What should I do if I think my identity was stolen?

If you detect any fraudulent or possibly fraudulent transactions on any of your accounts, contact your bank or credit card company immediately. If you identify fraudulent activity on your First Commercial Bank, N.A (USA) account(s), call us immediately at +1 601 282 9653 (Oahu) or 1 800 272 2566 (Rest of the World or Mainland). You should also:

  • File a police report. Even if the police can't catch the identity thief, having a police report can help you in clearing up any problems on your credit report(s).
  • File a complaint with the Federal Trade Commission (FTC). Call the FTC's identity theft hotline toll-free at 1 (877) IDTHEFT (438-4338). The hotline is staffed by counselors trained to help victims and take their complaints.
  • Complete the identity theft affidavit (http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf) which will assist you in reporting that an account has been fraudulently opened in your name.

You should routinely obtain and review your free annual credit reports. You can request them from one or all of the national credit reporting agencies at the phone numbers below or at http://www.annualcreditreport.com/. You can get one free credit report per year from each agency.

  • Equifax at 800-685-1111
  • Experian at 888-397-3742
  • TransUnion at 800-916-8800

If there are fraudulent transactions on any of these reports, have the agencies delete any information relating to those transactions, and place a fraud alert on your credit report to alert creditors that you may be the victim of fraud.

If you'd like to learn more about protecting your identity, here are some additional resources: