Identity Theft
Identity theft occurs when a person obtains your
personal information to steal money from your accounts, open new credit
cards, apply for loans or commit other crimes using your identity.
These acts can damage your credit, leave you with unwanted bills and cause
you countless hours of frustration to clear your good name.
If you are victim of identity theft or account fraud,
notify CLNB immediately by calling (315) 889-7358 or toll free
1-877-608-2562.
1. Call the fraud departments of all three major
credit bureaus and ask them to put a "fraud alert" on your
credit report. This alerts creditors to contact you before opening
any credit accounts in your name.
Equifax:
1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289
2. Contact you local police
department and ask to file a report. This step can assist in
clearing your credit records later and may lead to the capture of the
criminal.
3. File a complaint with the Federal
Trade Commission (FTC) by calling their identity theft hotline at
1-877-IDTHEFT (438-4338) or filing it online at www.consumer.gov/idtheft.
Obtaining a free copy of your credit
report.
The FCC has given consumers a way to obtain a
copy of your credit report free. The three nationwide consumer
reporting companies have set up one central website, toll-free number, and
mailing address through which you can order your free annual report.
To order, click on www.annualcreditreport.com,
call 1-877-322-8228, or complete the Annual Credit Report Request Form and
mail to: Annual Credit Report Request Service, PO Box 105281,
Atlanta, GA 30348-5281. This form can be printed from www.ftc.gov/credit.
Scams Involving ATM/Debit Cards
At Cayuga Lake National Bank, it has come
to our attention recently that debit cards (some from CLNB customers and
some from other banks) have been compromised. Two scams have
recently been identified. The first scam involves fraudulent
activity that has been identified as originating from several foreign
countries. The second scam involves a U.S. merchant who discovered a
security breach on their computer system which involve card account
numbers being compromised. We have notified those customers who were
affected by these scams.
To protect our customers, we have made the
temporary decision to block some foreign country transactions and foreign
country web site transactions.
If you have any questions, please contact
us at (315) 889-7358 or 1-877-608-2562.
Frequently Asked Questions
Was my debit card compromised?
We have identified those customers affected
by this current scam and have already contacted them directly.
However, you should review your account frequently in order to determine
if any fraudulent activity has occurred and contact the Bank immediately
if you notice any discrepancies.
What caused this risk to these debit
cards?
Unscrupulous people obtain cards in a
number of ways. We have no direct source for this particular
issue...however, likely causes may be Internet databases and/or company
databases being stolen or random creation of cards in order to guess valid
numbers.
What is the difference between a
signature-based transaction and a PIN transaction?
A signature-based transaction requires the
customer to sign a slip authorizing the transaction and requires the
merchant to verify identity. A PIN transaction requires the customer
to enter their PIN into a point-of-sale terminal to authorize the
transaction, or enter a PIN at an ATM.
For more information on how to safe guard
your personal information and secure your computer go to OnGuardOnline.
This site provides practical tips from the federal government and the
technology industry to help you be on guard against Internet fraud.
