warning signs

Article by the Federal Trade Commission (https://www.identitytheft.gov/#/Warning-Signs-of-Identity-Theft)

Once identity thieves have your personal information, they can drain your bank account, run up charges on your credit cards, open new utility accounts, or get medical treatment on your health insurance. An identity thief can file a tax refund in your name and get your refund. In some extreme cases, a thief might even give your name to the police during an arrest.

Clues That Someone Has Stolen Your Information

  • You see withdrawals from your bank account that you can’t explain.
  • You don’t get your bills or other mail.
  • Merchants refuse your checks.
  • Debt collectors call you about debts that aren’t yours.
  • You find unfamiliar accounts or charges on your credit report.
  • Medical providers bill you for services you didn’t use.
  • Your health plan rejects your legitimate medical claim because the records show you’ve reached your benefits limit.
  • A health plan won’t cover you because your medical records show a condition you don’t have.
  • The IRS notifies you that more than one tax return was filed in your name, or that you have income from an employer you don’t work for.
  • You get notice that your information was compromised by a data breach at a company where you do business or have an account.

If your wallet, Social Security number, or other personal information is lost or stolen, there are steps you can take to help protect yourself from identity theft.


First steps to recovery

Article by the Federal Trade Commission (https://www.identitytheft.gov/#/Steps)

If you are certain you are a victim of ID theft, follow these steps to recovering your accounts and private information.

First things first

  • Contact ACCESSbank at 402.763.6000 to alert us of your issue
  • Call the companies where you know fraud occurred
  • Place a fraud alert on and get a copy of your credit report
  • Report the identity theft to the Federal Trade Commission
  • You may choose to file a report with your local police department

What to do next

  • Close new accounts opened in your name
  • Remove bogus charges from your accounts
  • Correct your credit report
  • Consider adding an extended fraud alert or credit freeze
  • Review your credit reports often

Other possible steps

  • Report a misused Social Security Number
  • Stop debt collectors from trying to collect debts you don't owe
  • Replace government-issued IDs
  • Clear you name of criminal charges
To create your personalized checklist of steps to take, visit the Federal Trade Commission's ID Theft Support Site at https://www.identitytheft.gov/#/