Report Fraud

What do I do if I have already been “phished” or “vished”?

If your personal and financial information has been compromised as a result of theft or loss or if you believe you have provided sensitive financial information through a “phishing” or “vishing” scam, take the following steps:

• Immediately contact Old Point National Bank at reportfraud@oldpoint.com and your other financial institution(s). There are a variety of steps that can be taken to reduce the risk of loss such as:
  • Limiting access to your accounts
  • Placing stop payments on outstanding checks
  • Change Personal Identification Numbers (PINs)
  • Close accounts and open new ones where appropriate
  
  
• Contact your credit card issuers.
  
  
• Contact the three major credit bureaus and request that a fraud alert be placed on your credit report. They are:
  • Equifax 1-800-525-6285
  • Experian 1-888-397-3742
  • TransUnion 1-800-680-7289
  
  
• File a report with local law enforcement. Your credit card issuers as well as the credit bureaus will most likely ask for a copy of the police report.
  
  
• Monitor the activity on your accounts regularly. Report any suspicious activity immediately. This includes reviewing your credit report. Effective September 1, 2005, you are eligible for a free copy of your credit report under the Fair Accurate Credit Transactions Act (FACT Act). The act requires the three major credit reporting agencies to provide consumers a free copy of their credit report once a year. To obtain a free report, contact:
  Annual Credit Report Request Service
  P.O. Box 105281
  Atlanta, GA 30348-5281
  www.annualcreditreport.com
  1-877-322-8228
  
  
• Depending on the circumstances surrounding the fraud, there may be other agencies or contacts to consider:
  Social Security Services 1-800-269-0271
  U.S. Postal Inspectors Office www.usps.com/postalinspectors
  Department of Motor Vehicles Report to your local DMV office
  Federal Trade Commission 1-877-ID-THEFT
  
  
  
• Always keep a record of your conversations with contacts, to include names, addresses, phone numbers, dates, time of contact, and any instructions provided. You may need to refer to these items as you work through the process with a service provider such as your bank, credit card company or credit bureau.