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 scam, take the following steps:
Immediately contact Old Point National Bank at reportfraud@oldpoint.com and any of your other financial institutions. There are a variety of steps that can be taken to reduce the risk of loss such as:
Limit access to your accounts
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
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:
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.
Identity Theft Assistance
For customers with a Rewards Checking or Premium Checking account, you can access your ID Theft Aid services and be connected with an experienced fraud specialist through the Old Point Perks app or by logging into the Bazing website.
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