Bank of Luxemburg is committed to helping ensure your protection from fraudulent and/or criminal activity via the Internet, phone or mail. The following information is intended to help you protect yourself against the crime of identity theft.
Here is what you can do to protect yourself:
- Report a lost or stolen debit or ATM card or checks immediately to the bank.
- Log in to your online banking account to check account activity frequently.
- Review your monthly statements as soon as they arrive.
- Shred or burn personal account number information, bank statements, tax returns, etc.
- Memorize your debit or ATM card PIN number so you do not have to write it down.
- Do not share or write down your online banking password.
Here is what we do to protect you. Bank of Luxemburg will never:
- Ask for your social security number, account number or other financial information over the telephone.
- Send you an e-mail from an unsecured web page asking for you to click and provide account number, debit or ATM card numbers, social security numbers or other personal information.
- Mail you a letter asking for any personal information and then request that you send that information to another place of business. Any mail coming from the bank will always direct the return of any paperwork requests back to one of our locations or our main office at 630 Main St in Luxemburg, WI. Do not send bank requested information to any other mailing addresses.
If you receive any of the above unsolicited type of contact that asks for your personal financial information and seems to come from Bank of Luxemburg, call us and verify it first. Do not reply until you check with us. This could be scam trying to steal your information that could be used to commit fraud. We will then provide you with the proper direction and actions to take so we can investigate the possible intrusion. Please keep any of the information sent to you in order for us to further investigate.
If you receive a suspicious phone call from someone who says he or she is with Bank of Luxemburg, ask the caller for a return phone number. Then call Bank of Luxemburg to verify that the call came from us. Do not utilize the phone numbers provided in the email, mail or from the caller. Utilize our website, your bank statements or phone book to obtain the correct phone numbers to our locations to verify that the caller is indeed a bank representative.
If you call Bank of Luxemburg to inquire about your account, someone will ask you to verify your information for security purposes. This is to protect you from Identity Theft and prevent fraud. If you have not already established a password or answers to security questions at the bank, stop in to a location to establish this security identification with any of our staff. We are not able to establish this information over the phone in order to properly establish your identity.
If you are a victim of identity theft, the bank will help you with obtaining new account numbers to any accounts affected by the theft including debit or ATM cards, new checks and help you re-establish any internal automatic transfers to those accounts.
Report any suspicious attempts at collecting your information or unknown account activity by calling us at 920-845-2345.
Where else to report scams:
Federal Trade Commission
This is the agency for reporting identity theft, abusive debt collectors and most types of fraud. After filing a complaint, you will get a reference number to use when contacting the agency for future updates. The FTC received more than three million complaints in 2015 and it does not routinely respond back to you or resolve your individual case. Rather, your complaints will be entered into a database that the FTC and some 2,000 civil and criminal enforcement agencies use to track scam patterns and build cases against specific con artists. Fraud complaints should also be filed with your state's attorney general and even local law enforcement authorities.
National Do Not Call Registry
For reporting unsolicited sales calls. Start by putting your phone number on this registry. Once yours has been there for at least 31 days, you can report unwanted calls. Your information will be pooled with other data to help catch violators. Note that calls from legitimate charities, survey firms, debt collectors and political candidates or parties are not covered by the Do No Call rules.
Consumer Financial Protection Bureau
For complaints about shady business practices and financial products, including loans, bank services, credit reporting, ID theft, debt collection and payment cards. The CFPB forwards complaints to the company, which has 15 days to respond. Cases are supposed to be resolved within 60 days. You can check the status of your case via the CFPB website. For credit cards and bank-issued ATM and debit cards that are used fraudulently, lost or stolen, contact the issuer.
Internet Crime Complaint Center
For reporting internet-based scams, including online auctions; investment and sales fraud; internet extortion, hacking and phishing; and scam emails. Operated by the FBI, the IC3 forwards complaint information to appropriate law enforcement or regulatory agencies, but does not directly conduct investigations.
Postal Inspection Service
To report scams distributed by U.S. mail, such as bogus lottery and sweepstakes "winnings," chain letter schemes and deceptive advertisements as well as mail theft.