PROTECT YOUR IDENTITY AND YOUR CREDIT
How it Could Happen
Someone could impersonate you for a loan, or as a patient in the hospital.
Your credit card digits could be stolen through a database breach.
Your purse, wallet, or laptop could be lost or stolen.
We Can Help
With your Pinnacle Checking Account, you will automatically be enrolled in our ID Theft Recovery Protection program for FREE. This valuable service is free to all members of your family, up to 3 generations.
What is Covered
If you have any evidence, or even suspect you are at risk for ID Theft, for any reason whatsoever, we will provide professional ID Theft recovery benefits covering financial and non-financial fraud. This includes, but is not limited to:
- Medical Fraud
- Bank and Credit Card Fraud
- Government Documents and Benefits Fraud
- Employment Fraud
- Phone and Utilities Fraud
How it Works
If you or a family member suspects Identity Theft, simply contact ProMedica Federal Credit Union. We will securely submit your case to a Personal Recovery Advocate who will contact you by phone.
Your trained and certified Personal Recovery Advocate will place fraud alerts at the three major credit bureaus for you, help you to access services to watch for signs of identity theft, and access your credit reports to conduct a threat assessment to determine if any identity theft has occurred.
Your trained and certified Personal Recovery Advocate will place fraud alerts at the three major credit bureaus for you, help you to access services to watch for signs of identity theft, and access your credit reports to conduct a threat assessment to determine if any identity theft has occurred.
If you are victimized by identity theft, your Advocate will work on your behalf to restore your identity.
Your Advocate will:
- Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity.
- Work with you to place fraud alerts with the three major credit bureaus.
- Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
- Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
- Contact the Social Security Administration, US Postal Service, Department of Motor Vehicles, etc., as applicable, to address any misuse of official documentation of your identity.
- Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
- Follow up to make sure all wrongful activity is reversed and removed from your records.
- Work with local and federal law enforcement to try to stop the criminal(s) who are using your identity.
- Activate other members of the recovery team to assist when necessary, including professional investigators and legal advisors.
- Provide 12 months of follow-up after your recovery is complete - to be sure you stay recovered!
