Account fraud or identity theft occurs when a person gains access to your personal information, (your bank account number or Social Security number, for example) and then uses this information for illegal purposes – or to withdraw money from your account.
The best way to know if your identity was stolen is to monitor your accounts and bank statements each month, and check your credit report on a regular basis. If you see unusual transactions at merchants that you did not use, that may be a sign that your identity was compromised. If you check your credit report regularly, you may be able to limit the damage caused by identity theft.
If you detect any fraudulent or possibly fraudulent transactions on any of your accounts, contact your bank or credit card company immediately. If you identify fraudulent activity on your American Savings Bank account(s), call us immediately at 627-6900 (Oahu) or 1 800 272 2566 (Neighbor Islands or Mainland). You should also:
You should routinely obtain and review your free annual credit reports. You can request them from one or all of the national credit reporting agencies at the phone numbers below or at http://www.annualcreditreport.com/. You can get one free credit report per year from each agency.
If there are fraudulent transactions on any of these reports, have the agencies delete any information relating to those transactions, and place a fraud alert on your credit report to alert creditors that you may be the victim of fraud.
If you'd like to learn more about protecting your identity, here are some additional resources: