IDENTITY THEFT RECOVERY SERVICES FOR YOU AND YOUR FAMILY
Identity theft happens when someone else uses your identifying information, such as your name, date of birth, Social Security Number, drivers license number or account numbers, for personal gain. Identitytheft can happen to anyone, regardless of age, where you live, or your income status. And unfortunately, there is no way to prevent it completely. According to the Federal Trade Commission, over 8 millionAmericans were victims of identity theft in 2010.
Although Bank of Denver has many safeguards in place to protect your information, we want to be sure that you never suffer from the effects of identity theft, if it happens. We want to add additional value to our relationship with you, so if you or a family member* suspects identity theft, or your personal information becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop or data breach, or other event, we can help. Simply contact Bank of Denver, and a representative will verify your information and securely submit your case to a Personal Recovery Advocate, who will contact you directly by phone. This trained and certified Recovery Advocate will place fraud alerts at the three major credit bureaus for you; help you access services to watch for signs of identity theft; and access your credit reports and 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:
| 1. | Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity. |
| 2. | 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. |
| 3. | Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim. |
| 4. | Activate credit monitoring during your recovery to help you watch for additional signs of abuse. |
| 5. | Contact the Social Security Administration, U. S. Postal Service, Department of Motor Vehicle, etc. as applicable, to address any misuse of official documentation of your identity. |
| 6. | Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc. |
| 7. | Follow up to make sure all wrongful activity is reversed and removed from your records. |
| 8. | Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity. |
| 9. | Activate other members of the recovery team to assist when necessary, including professional investigators and legal advisors. |
| 10. | Provide 12 months of follow-up after your recovery is complete to be sure you stay recovered. |
IDSAFECHOICE BASIC
Basic coverage provided to primary and secondary checking account holders by Bank of Denver at no additional cost.
* IDSAFECHOICE FAMILY
Provides the same fully managed identity theft recovery as the basic program to all family members, including a spouse, a domestic partner, dependents up to age 25, and parents with the same permanent address (or parents who may be in an assisted living facility, hospice, or deceased less than 12 months). This service is offered at a monthly fee of $1.50.
Cancellation Policy
Services will be cancelled at the end of the month in which the provider is notified that the customer has opted out of the Group program.