LibertyPointe Bank is diligent in its efforts to protect our customers’ information.  We maintain strict physical, electronic and procedural safeguards to protect your personal information.

Reporting Identity Theft

If you become a victim of identity theft, here are some of the steps you should take to report it.

• Contact 1 of 3 major credit bureaus to report the incident and request a fraud alert be placed on your credit file.  Once the credit bureau confirms your fraud alert, the other 2 credit bureaus will automatically be notified to place fraud alerts.  You may request reports from all 3 credit bureaus.  Each will allow 1 free credit report annually. Review your credit reports and notify the credit bureaus immediately of any suspicious activity.   
• In addition to calling a credit bureau with your initial identity theft report, it is wise to follow-up in writing to confirm your claim.  Be sure to retain a copy for your records.

Equifax:  equifax.com
To order a report, call 1-800-685-1111
To report fraud, call 1-800-525-6285
TDD 1-800-255-0056
and write to P.O. Box 740241, Atlanta, GA 30374-0241

Experian: experian.com
To order a report, call 1-888-EXPERIAN, 1-888-397-3742
To report fraud, call 1-888- EXPERIAN, 1-888-397-3742
TDD 1-800-972-0322
and write to P.O. Box 9532, Allen, TX 75013

TransUnion:  transunion.com
To order a report, call 1-800-888-4213
To report fraud, call 1-800-680-7289
TDD 1-877-553-7803
Fax 1-714-447-6034
and write to Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92634-6790

• Notify LibertyPointe Bank at (877) 359-3434. 
• Notify other financial service providers.
• Notify your local police of the identity theft.

Identity Theft and Resources

Identity theft occurs when someone steals your personal identifying, non-public information for fraudulent purposes including obtaining goods and services  The crime may be in person, over the telephone, internet, or through the mail.

Crimes involving identity theft or impersonation are on the rise and are now the type of crimes most frequently reports to the Federal Trade Commission:

• www.ftc.gov/idtheft
• (877) ID THEFT (438-4338) or TYY (866) 653-4261
• Identify Theft Clearinghouse Federal Trade Commission, Washington, DC20580

As technology continues to evolve, criminals are developing new ways to exploit or defraud organizations and consumers.  This includes attempting to access bank and brokerage accounts online and steal credit information or identifying non-public information.

Security Checklist

This checklist is provided to help you safeguard your personal information, your accounts with LibertyPointe Bank and others, and your computer. 

Protect your personal information.

• Don’t provide personal information over the phone, by mail, or via the internet unless you are confident it is from a trusted source.
• Be suspicious of email requests for financial information.  Reputable firms never ask for financial information via email.
• Look for the lock icon on your browser’s status bar when shopping online.  Also check for a secure url, such as https.
• Shred pre-approved credit card offers before you throw them out.
• Carry only the minimum amount of identifying information on your person and limit the number of credit cards that you carry to with you .
• Pay attention to billing cycles and statements. If you do not receive a monthly bill or statement, contact the financial institution.  It may mean an identity thief has diverted your mail. 
• Review account statements carefully to ensure all charges, checks, or withdrawals were authorized by you.
• Order copies of your credit report from each of the three major credit bureaus at least once a year to ensure accuracy. Consider ordering one report from one credit bureau every 4 months.

Protect your passwords and Personal Identification Numbers (PIN).

• Never share your passwords or PINs.
• Choose a password you can remember without writing it down.
• When possible, use a “strong password” - a combination of numbers, letters, and punctuation

• Avoid using PINs and passwords that contain information such as your mother’s maiden name, your date of birth, the last four digits of your social security number, etc.

• If passwords are case-sensitive, use a mix of capital and lowercase letters
• Change your passwords and PINs at least twice a year.

Install protective software.

• Download software only from websites you know and trust.
• Install anti-virus software and keep it up-to-date.
• Set your anti-virus software to automatically scan attachments or manually

scan them before opening them.

• Install a firewall to prevent unauthorized access to your computer.
• Set up a pop-up blocker.

 Keep secure online.

• Always use an up-to-date browser with at least 128-bit encryption.
• Keep your operating system up-to-date.
• Don’t open unsolicited email.
• Never open email attachments unless you trust the source.
• Use caution when visiting new or unknown websites