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How to Report Fraud and/or Identity Theft

If you think your identity has been stolen, contact Bremer Phone Bank at 800-908-2265 immediately. Also follow these steps:

Contact the fraud department of any one of the three consumer reporting companies – Equifax, Experian or Transunion – to place a fraud alert on your credit report.

The fraud alert tells creditors to contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you're entitled to order free copies of your credit reports, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports.

Additional helpful information is provided by the Consumer Financial Protection Bureau: 

Close the accounts that you know or believe have been tampered with or opened fraudulently. Use the Identity Theft Victim’s Complaint and Affidavit form provided by the Federal Trade Commission when disputing new unauthorized accounts.

File a report with your local police or the police in the community where the identity theft took place. Get a copy of the report or, at the very least, the number of the report to submit to your creditors and others that may require proof of the crime.

The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you. File your complaint using the helpful online wizard provided by the FTC.

The FTC also provides helpful information and free downloadable resources at their Consumer Information website for Identity Theft. Click here to access that site.

If you lose your mobile device, remove it from your online banking profile. Log in to Online Banking from a desktop web browser. Then go to the Customer Service menu to Manage mobile banking settings.

Also call Bremer Phone Bank at 800-908-2265 to report the lost or stolen device.

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Deposit products offered by Bremer Bank. Member FDIC.