Our Identity Theft Resolution Service is managed by a comprehensive recovery service facilitated by a team of Certified Resolution Specialists who are available 24 hours a day, 7 days a week to assist you. Once identity theft has been confirmed, your case will be assigned to a Certified Resolution Specialist (CRS). The CRS will provide one-on-one support, working with you to restore your identity to pre-theft status.

If you’re an FSB PassKey customer, you will receive our Identity Theft Resolution Service for FREE! This service is also available to customers with other checking, savings or money market accounts for a $15.00 annual fee. Plus, our low annual fee covers everyone in your household, including dependents under the age of 23 who may live outside the home.

Identity theft is real and possible. We want you to take advantage of this low-cost program. If you’re interested, please call us for more details, or enroll now to sign up for coverage.

If you are enrolled in FSB’s Identity Theft Resolution Services through Sontiq and your identity is compromised, contact us at 603.934.4445 as soon as possible. If you are not enrolled, you may do so at any time.

Step 1: Take action now

Here are the steps to protect yourself in the event of fraud or ID breach:

• Contact the fraud departments of each of the three major credit bureaus.
• Get a copy of your credit report, which is free to ID theft victims.
• Have your file flagged with a “fraud alert tag” and a “victim’s statement”. New accounts will not be able to be opened.
• Require that the fraud alert remain in place for seven years, according to PrivacyRights.org.

Credit Report

Equifax 1.808.766.0008 or www.equifax.com

Experian 1.888.397.3742 or www.experian.com

TransUnion 1.800.680.7289 or www.transunion.com

Step 2: File a police report

Filing a police report is an important step during this process. Other steps include:

• Contact your police department to file a report to dispute unauthorized charges and for any insurance claims.
• Visit the FTC or call 1.877.ID.THEFT (1.877.438.4338) and fill out an ID Theft complaint, which will enter your case in the FTC’s “Consumer Sentinel” database, a nationwide list of ID theft cases.

Step 3: Close all compromised accounts

If you have compromised financial or billing accounts, close them as soon as possible and the list may be daunting. The list may include:

• Close accounts for banks, credit card companies and other lenders, and phone companies, utilities, ISPs, and other service providers. You may need to open new accounts but this will safeguard against additional fraudulent charges.
• Dispute unauthorized charges. The FTC offers a sample dispute letter and sworn affidavit form. This may require a sworn statement and a police report.

More Help

FDIC Tools – How to Guard against Internet Thieves and Electronic Scams

More information on Identity Theft and Data Breaches

FTC document full of sample dispute letters and other recovery procedures.