ID Theft Service
Identity theft is one of the fastest growing crimes in the United States, and can create problems with your credit, finances, employment, and even your personal assets. Identity theft is consistently the number one complaint to the Federal Trade Commission. Rampant data breaches, affecting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone—regardless of your age and income, where you live, or how careful you are.
Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up, leaving them contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records.
As part of our efforts to combat the effects of identity theft, we introduced an identity theft program that will help fix the damage that is done if your identity is stolen. We understand how stressful, time-consuming, and expensive this can be, which is why we want you to rest assured knowing we’ll quickly work to restore your credit in the event your identity is ever stolen. Our ID Theft Program protects our members in the event that they are the victim of identity theft. In addition to all the benefits outlined below, you are also covered in the amount of $10,000 for any expenses you may have to incur as a result of your identity being stolen.
- Simply contact us if your identity is stolen and we’ll assign a Recovery Advocate within one business day. A professional, certified and licensed Recovery Advocate will complete the recovery work on your behalf, report progress along the way, and be there for you until your good name is restored – no matter how long it takes!
- For only a $1.95 per month, your Recovery Advocate will:
- Provide you with a customized recovery plan within 72 hours
- Alert the three major credit bureaus
- Work with all government and law enforcement agencies to restore your identity
- Lost Document Replacement – this service provides personalized one-on-one assistance to replace identity credential documents that have been lost, stolen or destroyed in connection with your identity fraud event.
- Identity Theft Expense Reimbursement Insurance - you may receive reimbursement for out of pocket expenses incurred during the identity recovery process up to a maximum of $10,000, including reimbursement for lost wages, attorney’s fees, and other expenses
- Complete all forms and follow-up on your behalf
- Restore your identity no matter how long it takes
- Identity Theft Expense Reimbursement Insurance - you may receive reimbursement for out of pocket expenses incurred during the identity recovery process up to a maximum of $10,000, including reimbursement for lost wages, attorney’s fees, and other expenses. Click here for more information on Evidence of Coverage.
- This service is extended to all named accountholders on eligible accounts, and three generations of family for each named accountholder.
For more information about this program, click here to send an e-mail or call 860.513.5000 (local).
To upgrade to the IDSafeChoice Plus Program, click here.
To enroll in the IDSafeChoice Plus Monitoring Program, click here.
These comprehensive programs help you reduce your risk of becoming a victim of identity theft. Protect your family. Minimize the damage a thief can do if they obtain your personal information. And restore your good name faster and easier.
Identity theft occurs when someone obtains your personal information (social security number, credit card number, etc.) and then uses it to fraudulently apply for credit, make purchases, and/or withdraw money from your accounts, seriously jeopardizing both your financial health and your credit standing. There are many things you can do to reduce the risk of identity theft.
- Do not routinely carry credit cards you rarely use, your social security card, or any other non-essential items that contain personal information. Limit the number of credit cards you have and cancel any inactive accounts. Any of these can give an identity thief the opportunity to access not just the information on the cards, but also further personal data. For example, once identity thieves have your social security number, they can apply for a credit card or a driver's license, access important personal records, and begin to assume your identity all with this one number.
- Never leave your purse or wallet unattended at work, at restaurants, at health fitness clubs, in your shopping cart, or at parties. Never leave your purse or wallet in open view in your car, even when locked.
- Never give any credit card, financial institution, or social security information to anyone that has contacted you over the telephone or Internet. When you contact a company, make sure you are comfortable with the company and the representative before providing any personal information.
- Destroy all checks immediately when you close a checking account. Destroy or keep in a secure place any courtesy, cancelled, or unused checks that your financial institution or credit card company may mail you.Â Shred any unused credit applications sent under your name.
- Carefully monitor financial statements (bank, credit union, credit card, investment statements, etc.) so that you may detect any unauthorized charges or withdrawals as soon as possible. Immediately report such unauthorized use to your financial institution or credit card company and immediately report lost or stolen checks to your financial institution.
- If regular bills fail to reach you, contact the company to find out why.
- Memorize your passwords and personal identification numbers (PIN). Never keep your PIN number with your ATM/debit or credit cards and never give out your PIN number to anyone. Shield the ATM keypad when entering your PIN number and always take your receipt with you. Always request your credit card receipts and/or carbons.
- Photocopy or list all credit and identification cards you carry with you. Include both the front and back as well as corresponding customer service phone numbers so you can quickly contact the issuers to inform them of lost and/or stolen cards. Keep this information in a secure place (not your wallet or purse).
- Do not put outgoing mail in your mailbox. Take the time to drop it into a Postal Service box (especially bill payments). Identity thieves can obtain personal information by stealing outgoing mail.
- At least once a year, order a copy of your credit report and check it for accuracy. You can obtain a free yearly credit report by visiting www.annualcreditreport.com. You can also call 1.877.322.8228. Or mail to: Annual Credit Report Request Service P.O. Box 10528, Atlanta, GA 30348-5281.
We are always happy to answer any questions you might have about your accounts, about identity theft, or any other financial concerns. Call us immediately at 860.513.5000 (local) or 800.526.6933 (national) if you suspect tampering with any of your accounts. We will be glad to work with you to stop unauthorized use of your accounts, and help you get things back to normal again as quickly as possible.
It is important to remember that we will never ask you for personal bank account or credit card information.
For more information about Credit Reporting, click here.
Click here for complete Terms and Conditions.