Identity theft occurs when an individual’s personal information (name, address, Social Security number (SSN), credit/debit card information, etc.) is used to commit theft or fraud without their knowledge. Your information can be sold online or in-person and be used to file fraudulent tax returns, obtain credit reports, access bank accounts, create IDs or apply for loans.
What steps should I take if I am a victim of identity theft?
If you believe you may have been the victim of identity theft, visit the Identity Theft Resource Center, or call the Center's toll-free number (888.400.5530) for advice on how to resolve identity-theft issues. All of the Center's services are free. Notify all three credit bureaus and ask that a fraud alert be placed on your file.
- Request a copy of your credit report which is free to identity theft victims.
- Notify all financial institutions where the fraud occurred. If you are a customer of UMB and believe you are a victim of identity theft,call 800.860.4862 and a customer service representative will assist you. You may also visit the nearest UMB banking center for assistance.
- Notify the Federal Trade Commission (FTC) at 877.438.4338.
- Keep carefully written records of everyone you speak with and what was discussed, including names, dates and times, and use registered mail when sending important correspondence
- File the appropriate local police reports and request a copy of each report for your records.
- Freeze your credit files at the three major credit bureaus listed above. Remember that generally it is not possible to sign up for credit monitoring services after a freeze is in place. For advice on how to file a freeze on a state-by-state basis, visit the ConsumersUnion Security Freeze page.
How can thieves get my personal information and how can I prevent it?
There are various phishing and social engineering scams that target victims by phone, email,social media and in person claiming they are from a legitimate company and need to update your account information, issue you a refund, remove a virus on your computer, etc. Never provide personal information over the phone, via email, social media or in person to someone you do not know. If you believe the caller or online message isn’t legitimate, trust your instinct and contact the actual company directly to verify the request.
UMB will never ask for your account or personal information via email, text message, social media message or through an unsolicited phone call. To report a suspicious email or phone call related to your UMB account, please forward the email or call details to us immediately at firstname.lastname@example.org.
Using Wireless Networks
ATM Skimming Device
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Information Security Sources & Resources
To read more about information security, visit the following resource websites:
- Federal Trade Commission- Identity Theft‡
- Internal Revenue Service – Identity Protection‡
- UMB – Report Fraud