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Identity Theft Information & Updates

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Scam Alerts

Potential Data Breach at Staples

October 22, 2014

On Monday, October 20, 2014 Staples announced that they are in the process of investigating a potential data breach and has contacted law enforcement for help. It has been reported that multiple financial institutions have identified a pattern of credit and debit card fraud suggesting that several Staples office supply stores in the Northeastern United States are involved in some type of data breach. While it has not been confirmed, seven Staples stores in Pennsylvania, at least three in New York City and one in New Jersey have been identified as possibly being involved in the breach. Fraudulent purchases have been reportedly made at non-Staples locations.

We encourage you to monitor your account closely and notify the bank immediately if you notice any fraudulent or suspicious activity by calling us at 888-547-6541.

 


Data Breach at Kmart

October 22, 2014

On Thursday, October 9, 2014 the IT team of Kmart detected that their store payment data system had been breached and immediately launched a full investigation with an IT security firm. The security experts report that beginning in early September, the payment data systems at Kmart stores were purposely infected with a new form of malware (similar to a computer virus). This resulted in debit and credit card numbers being compromised.

According to a press release from Kmart, no personal information, no debit card PIN numbers, no email addresses and no social security numbers were obtained by those criminally responsible. There is also no evidence that kmart.com customers were impacted. Kmart reports that this data breach has been contained and the malware has been removed.

Kmart is offering free credit report monitoring to customers who shopped with a credit or debit card in Kmart stores during the month of September through October 9, 2014.

To read the letter from the President of Kmart, click here.

We encourage you to monitor your account closely and notify the bank immediately if you notice any fraudulent or suspicious activity by calling us at 888-547-6541.

 

FTC CONSUMER INFORMATION

The Federal Trade Commission (FTC) is the federal clearinghouse for complaints by victims of identity theft. Although the FTC does not have the authority to bring criminal cases, it can assist victims by providing information to help resolve problems that can result from identity theft. Should you find yourself a victim of identity theft, you can file a complaint with the FTC by calling toll-free 1-877-ID-THEFT (438-4338).

Most of us assume that thieves are only interested in the cash in our wallet or purse, when in many cases, they are more interested in access to sensitive information that can be used to steal our identity. Use caution and don't be the next victim of identity theft or other financial fraud.

 

What to do if you are the victim of identity theft:

  • Contact The Bank of Missouri immediately by calling 888-547-6541 or by emailing info@bankofmissouri.com.
  • Contact the fraud departments of each of the three major credit bureaus and request a "fraud alert" be placed on your file and no new credit be granted without your approval.
  • Close any accounts that have been fraudulently accessed or opened.
  • File a local police report and get a copy of the report to your bank, credit card company or others that may need proof of the crime.

 

How to Protect Yourself From Identity Theft

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Think of how many times a day you share your personal information. You may write a check at the local grocery store, apply for a credit card, make a call on your cell phone, charge tickets to a baseball game, mail your tax return or buy tickets over the Internet.

With each transaction, you share your personal information: your bank and credit card account numbers, your income, your social security number, your name, address and phone number.

In 1998, Congress passed a law making identity theft a federal crime. The U.S. Secret Service, FBI and U.S. Postal Inspection Service investigate violations of the Act. Persons accused of identity theft are prosecuted by the Department of Justice.

Missouri also has passed legislation making identity theft a felony, and criminals here have been convicted of the crime.

Consumer complaints about identity theft continue to grow. More than 40 percent of all complaints filed with the U.S. Federal Trade Commission last year were for identity theft.

Unless you live your life in a bubble, you can't prevent the stealing of your personal information, but you can minimize the risks of this crime happening to you by following these suggestions:

  • Never divulge information about your social security number, credit card number, account passwords and other personal information unless you initiate contact with a person or company you know and trust.
  • Don't carry around more checks, credit cards and other bank items than you really need. Don't carry your social security number in your wallet, and be sure to pick passwords and PINs (Personal Identification Numbers) that will be tough for someone to figure out. Don't write your social security number on your check.
  • Protect your incoming and outgoing mail, especially envelopes that may contain checks, credit card applications or other information valuable to a fraud artist. Deposit outgoing mail, especially something containing personal financial information in the official Post Office collection boxes, hand it to the mail carrier, or take it to the local post office instead of leaving it in your home mailbox.
  • Before discarding credit card applications, cancelled checks, bank statements or other information useful to an identity thief, tear them up as best you can, preferably by using a paper shredder.
  • Safely store extra checks, credit cards and documents that list your social security number.
  • Contact The Bank of Missouri immediately if you lose your checkbook or bank credit card, if there is a discrepancy in your records, or if you notice something suspicious such as a missing payment or unauthorized withdrawals.
  • If your credit card bill doesn't arrive on time, contact your credit card company. This could be a sign that someone has stolen your account information, changed your address and is making large charges in your name from another location.
  • Once a year check your credit record with the three major credit bureaus. To order your report, call the following toll-free numbers; Equifax: 800-685-1111 Experian: 888-397-3742 Trans Union: 800-888-4213

The Bank of Missouri also offers IDProtect™ as an additional layer of protection and monitoring.  It offers comprehensive identity theft resolution services, identity fraud expense reimbursement coverage, credit monitoring, and more.  Learn more about IDProtect™

All of The Bank of Missouri's account holders are also covered by our Fraud Protection Program.  This program is a free service that monitors your ATM and debit card transactions day and night to better protect you from fraud. Learn more about our Fraud Protection Program

 

How Not to Get Hooked by a 'Phishing' Scam

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Internet scammers casting about for people's financial information have a new way to lure unsuspecting victims: They go "phishing" .

Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.

According to the Federal Trade Commission (FTC), phishers send an email or pop-up message that claims to be from a business or organization that you deal with - for example, your Internet Service Provider (ISP), bank, online payment service, or even a government agency. The message usually says that you need to "update" or "validate" your account information. It might threaten some dire consequence if you don't respond. The message directs you to a Web site that looks just like a legitimate organization's site, but it isn't. The purpose of the bogus site? To trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.

The FTC, the nation's consumer protection agency, suggests these tips to help you avoid getting hooked by a phishing scam:

  • If you get an email or pop-up message that asks for personal or financial information, do not reply or click on the link in the message. Legitimate companies don't ask for this information via email. If you are concerned about your account, contact the organization in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company's correct Web address. In any case, don't cut and paste the link in the message.
  • Don't email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization's Web site, look for indicators that the site is secure, like a lock icon on the browser's status bar or a URL for a website that begins "https:" (the "s" stands for "secure"). Unfortunately, no indicator is foolproof; some phishers have forged security icons.
  • Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
  • Use anti-virus software and keep it up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Antivirus software and a firewall can protect you from inadvertently accepting such unwanted files. Antivirus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically. A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It's especially important to run a firewall if you have a broadband connection. Finally, your operating system (like Windows or Linux) may offer free software "patches" to close holes in the system that hackers or phishers could exploit.
  • Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them.
  • Report suspicious activity to the FTC. If you get spam that is phishing for information, forward it to https://www.ftccomplaintassistant.gov. If you believe you've been scammed, file your complaint at www.ftc.gov, and then visit the FTC's Identity Theft Web site at http://www.ftc.gov/idtheft to learn how to minimize your risk of damage from ID theft. Visit www.ftc.gov/spam to learn other ways to avoid email scams and deal with deceptive spam. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit http://www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.