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Identity Theft

We help you shop with peace-of-mind confidence, thanks to Zero Liability Protection*, which covers you from unauthorized transactions. If you believe you've been a victim of fraudulent activity, report the suspected activity to us immediately. If you believe you've been a victim of identity theft, here's what you can do to help protect your Account and credit from further damage:

  1. Place a fraud alert on your credit report.
    Contact one of these consumer-reporting companies. The one you contact is required to alert the other two on your behalf.

    TransUnion
    800-680-7289
    www.transunion.com

    Equifax
    800-525-6285
    www.equifax.com

    Experian
    888-397-3742
    www.experian.com
  2. Review your credit report.
    After you place an alert, you're entitled to a free copy of your credit report from each company.
    1. Review your credit report carefully, looking for inquiries from companies you have not contacted, accounts you did not open, and debts you cannot explain.
    2. Ensure that your personal and employment information is correct.
    3. Request that fraudulent or inaccurate information be removed.
    4. Check your credit report periodically, especially the first year after discovering identity theft. 
  3. Dispute charges and close all affected accounts.
    This includes any accounts you know or believe to have been tampered with or fraudulently opened. To close an account, contact the security or fraud department of each company, and ask how to dispute questionable transactions. Once resolved or closed, ask for a written letter stating that the company has closed the disputed account(s) and discharged fraudulent debts. Keep the letter permanently as proof against errors, re-appearance on your credit report, or in case you're contacted later about the fraudulent debt.
  4. File a complaint with the FTC.
    This helps law enforcement officials track down offenders. Use the FTC online complaint form or call the FTC Identity Theft Hotline at 877-ID-THEFT (438-4338) or TDD/TTY: 866-653-4261. Always call the Hotline to update your complaint if you have additional issues or information.
  5. File a police report.
    Report the identity theft to your local police department or the community in which it took place. If the local or community police department is reluctant or unable to help, ask to file a "miscellaneous incident" report, contact your state attorney general's office, or try contacting another jurisdiction, such as the state police

Other Resources

Social Security Number-Related Theft

Social Security Administration Fraud Hotline 

800-269-0271

oig.hotline@ssa.gov 

http://oig.ssa.gov/report-fraud-waste-or-abuse 


Stolen or Mishandled Mail Theft

US Postal Inspection Service 

800-372-8347 

https://postalinspectors.uspis.gov/ 


Federal Trade Commission Recommendations

FTC Identity Theft 

http://www.consumer.ftc.gov/topics/repairing-identity-theft 


*Certain terms, conditions and exclusions apply. Zero Liability Protection does not apply to these or certain Visa/MasterCard payment cards, including: commercial cards, unregistered prepaid cards, gift cards or any transactions not processed by Visa/MasterCard. In order to be protected, you must promptly and immediately report a lost or stolen card to Customer Care.

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    Comenity Bank
    PO Box 182273
    Columbus, OH 43218-2273