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Scams, Fraud & Security

FB&T is committed to helping our customers, friends, and families keep their identities and financial information safe.  Be assured that we are always staying aware and educating our employees of such emerging threats.  While we are doing our part here at the Bank, we want to offer you tools, tips, and information on ways you can protect your information at home and on the internet.  Please know that we are just a phone call, email, or in-person visit away and are always here to help.

 

The Equifax Data Breach

Recently, Equifax, one of the three national consumer credit reporting agencies, announced a major data breach. This breach affects approximately 143 million Americans. This is what we know according to Equifax: the data breach occurred May – July 2017, and the information stolen includes consumers’ personally identifiable information, including names, Social Security numbers, dates of birth, addresses and, in some cases, driver’s license numbers. Approximately 209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen. There is no evidence of unauthorized access to consumers’ credit reporting databases.

To be clear, First Bank & Trust Company was not compromised and your information was not stolen from our bank. However, First Bank & Trust Company takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach and the steps you can take to protect your personally identifiable information if you so desire. Following this unprecedented breach, we are also asking our customers to be extra vigilant and report any suspicious activity in your First Bank & Trust Company accounts to First Bank & Trust Company by calling 580-572-2000 or visiting www.bankfbt.com.

Equifax has established a website that informs consumers if they may be affected by the breach, provides additional information on the breach, and offers complimentary identity theft protection and credit file monitoring. This information is available at www.equifaxsecurity2017.com. To protect your identity and personal information, First Bank & Trust Company strongly encourages our customers to take the actions noted below.

Experian® 
P.O. Box 9554
Allen, TX 75013
888-397-3742
www.experian.com 

Transunion®
P.O. Box 2000     
Chester, PA 19016       
800-680-7289            
www.transunion.com 
Equifax®  
P.O. Box 740241                           
Atlanta, GA 30374                                     
800-349-5191
www.equifax.com

 
You should also contact the credit reporting agencies to notify them of any suspected fraud or identity theft.

If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC) at https://www.identitytheft.gov/ or by calling 1-877-IDTHEFT (1-877-438-4338). The FTC also offers general information to protect your online presence at https://www.consumer.ftc.gov/topics/privacy-identity-online-security.

Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information. You may call them at 866-447-7559.

 

Identity Theft

Immediate Steps for I.D. Theft Victims:

     1.  Place a fraud alert on your credit reports and review them for any unauthorized activity.
     2.  Close the accounts that you know, or believe, have been tampered with or opened fraudulently.
     3.  File a report with your local police or the police in the community where the identity theft took place.
     4.  File a complaint with the Federal Trade Commission.

Go to www.ftc.gov/idtheft for additional information, step-by-step instructions, and links to credit bureaus.  You may also call the FTC’s Identity Theft Hotline, toll-free at 1-877-IDTHEFT (1-877-438-4338); TTY 1-866-653-4261; or write to Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

 

Cybersecurity

The Consumer Financial Protection Bureau gives consumers four steps they can take to determine if fraudulent charges or debits have been made on their accounts:

     1.  Check your accounts for unauthorized charges or debits and continue monitoring your accounts.
     2.  Report a suspicious charge or debit immediately.
     3.  Know when to ignore anyone contacting you to “verify” your account information by phone or email.

CFPB Issues Consumer Advisory on Industry’s Data Breach – January 27, 2014

 
Other Cybersecurity Links and Resources:

https://www.staysafeonline.org/
http://www.consumerfinance.gov/
https://www.ftc.gov/

 

Card Cracking

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Card Cracking Scenarios