IDENTITY YOURSELF AND YOUR Fulfillment Identity Theft 108294 - Chase
INC10030.inddPROTECTYOURSELF AND YOURIDENTITYNC10030.indd 1Last Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job InfoSegment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneFonts & ImagesFonts:Bliss (Regular), Berthold Akzidenz Grotesk(Medium, Super), Helvetica (Bold)Images:A0912 bkgd rCMY ISP2026066.eps(CMYK; 357 ppi; 84%)A0912 bkgd rCMY SecurShield.eps(CMYK; 352 ppi; 85%)05686 logo vCMY ChaseLogo.epsInks:CyanMagentaYellowBlackFPO Tech notesCHASE IDENTITY THEFT TOOL KITNotes:PID: 999999772/9/09 2:48:44 PM
At Chase, we work hard to pro vide customized tools andhelp prepare you for whatever happens in your evolving fiConvenient Reference for Important Contacts:Chase Identity TheftCenter of Excellence: 1-888-745-0091www.chase.com/identitytheftChase Deposit Customers 1-800-935-9935Chase Mortgage Customers 1-800-848-9136Chase Auto Loan Customers 1-800-336-6675Chase Auto Lease Customers 1-800-227-5151Chase PFS Clients 1-800-216-2700Brokerage Clients 1-800-392-5749C R E D I T B U R E AU SEquifax 1-800-525-6285Experian 1-888-397-3742TransUnion 1-800-680-7289TeleCheck 1-800-710-9898Certegy 1-800-437-5120Federal Trade Commission Identity Theft InformationTo learn more about identity theft, visit theFederal Trade Commission consumer Web siteat www.ftc.gov/idtheft, or call 1-877-438-4338United States Postal Service online atPostalinspectors.uspis.govUS Secret Service Find the field office near youat http://www.secretservice.gov2NC10030.indd 22/9/09 2:48:45 PM
o pro vide customized tools and information totever happens in your evolving financial life.NC10030.indd 3INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133We’ve prepared this guide to help you defend againstidentity theft. Use it to learn more about identitytheft and the choices you can make to better protectyourself. It can also help you take action, with the helpof your Fraud Specialists, to reclaim your identity ifidentity theft should occur.Job InfoU N D E R S TA N D I N G I D E N T I T Y T H E F THow Identity Theft HappensNo matter how careful you are about protecting yourpersonal information, no one is completely safe fromidentity theft. Skilled thieves, like pickpockets, burglarsand computer hackers, have many ways (both lowand high-tech) to get hold of your important dataand use it for their own benefit.Segment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneThieves can obtain your personal information in manyways. They can use the Internet by:Fonts & ImagesFonts:Bliss (Regular, Light, LightItalic, Bold),Times New Roman PS (Roman), Helvetica(Bold) Sending you an email, which appears to be froma reputable company, asking you to respondor go to a Web site and provide your personalinformation. This practice is known as “phishing”(pronounced “fishing”). These emails may alsocontain fraudulent phone numbers to call toprovide personal information – called “vishing.”Images:A0912 bkgd rCMY SecurShield.eps(CMYK; 475 ppi; 63%)05686 logo vCMY ChaseLogo.epsInks:CyanMagentaYellowBlackFPO Tech notes3Notes:PID: 999999772/9/09 2:48:45 PM
U N D E R S TA N D I N G I D E N T I T Y T H E F THow Identity Theft Happens (Continued) Setting up a bogus Web site that looks like alegitimate site and asks you to provide personalinformation. This practice is known as “spoofing.” Redirecting your browser’s request for a legitimateWeb site to a bogus location that resembles it tocollect information – known as “Pharming.” Hacking, or using techniques to install maliciousprograms on your computer to capture your keystrokesand network traffic in order to steal personalinformation including user IDs and passwords. Stealing your laptop or smart phone to useany unsecured data to discover passwordsand access accounts.To help protect yourself, install anti-virus softwareon your computer. Make sure it scans your computerregularly and be sure to keep it up to date. Choose thelatest operating system for your computer, and set itto make updates automatically.Remember: No legitimate representative of JPMorganChase will ever ask you for your PIN or password viaemail communication.Even without the internet, thieves can gain accessto your information: They can steal wallets and purses containing youridentification, credit and bank cards.4NC10030.indd 42/9/09 2:48:45 PM
NC10030.indd 5INC10030.indd Thieves can steal your mail, including your bank andcredit card statements, pre-approved credit offers,telephone calling cards and tax information.Last Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job Info They can complete a “change of address form” todivert your mail to another location. Thieves can rummage through your trash, or the trashof businesses, for personal data in a practice knownas “dumpster diving.”Segment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase Fraud They can fraudulently obtain your credit report byposing as a landlord, employer, or someone elsewho may have a legitimate need for – and a legalright to – the information.RPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062 Thieves can find personal information in your home.Mail Date:NoneHow Identity Thieves Use Your Personal InformationDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneOnce someone has your personal information,there are many ways they can use it withoutyour knowledge:Fonts & ImagesFonts:Bliss (Regular, Bold, Italic), Helvetica(Bold) They can call your credit card issuer pretending to beyou and ask to change the mailing address on yourcredit card account. The imposter then runs upcharges on your account. Because your statementsare being sent to the new address, it may take sometime before you realize there’s a problem.Images:05686 logo vCMY ChaseLogo.epsInks:CyanMagentaYellowBlackFPO Tech notes5Notes:PID: 999999772/9/09 2:48:45 PM
U N D E R S TA N D I N G I D E N T I T Y T H E F THow Identity Thieves Use Your Personal Information(Continued) Thieves can open a new credit card account usingyour name, date of birth and Social Security number.When they use the credit card and don’t pay the bills,the delinquent account is reported on yourcredit report. They can establish phone or wireless service inyour name. Thieves can open a bank account in your name andwrite bad checks on that account. They can forge counterfeit checks or debit cards anddrain your bank account. Thieves can buy cars by taking out auto loans inyour name.P ROT E C T I N G YO U R S E L FHow To Prevent Identity TheftAt Chase, we’re committed to working with youto protect your personal information. We believethat one of the best ways to fight identity theft is toprevent it from happening in the first place. Here aresome easy things you can do to prevent someonefrom stealing your important information.Carry only what you need.The less personal information you have with you,the better off you will be if your purse or wallethas been stolen. For example, carrying your SocialSecurity card with you is rarely necessary.6NC10030.indd 62/9/09 2:48:45 PM
NC10030.indd 7INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job InfoDon’t put outgoing mail in or on your mailbox.Thieves may use your mail to steal your identity.Drop your mail into a secure, official Postal Servicecollection box.Segment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneFonts & ImagesFonts:Bliss (Regular, Bold, Italic), Helvetica(Bold)Report lost or stolen credit cards immediately.Call each credit card issuer and ask to have the stolencard accounts closed and new ones opened to replacethem. Remember to update any automatic paymentaccounts with your new account numbers.Images:05686 logo vCMY ChaseLogo.epsA0912 bkgd rCMY 73807986.eps (CMYK;353 ppi; 85%)Inks:CyanMagentaYellowBlackFPO Tech notesDon’t preprint personal information on checks.Your checks should not have your driver’s license,telephone or Social Security numbers on them.Notes:PID: 9999997772/9/09 2:48:46 PM
P ROT E C T I N G YO U R S E L FHow To Prevent Identity Theft (Continued)Report lost or stolen checks immediately.If you have Chase banking accounts, Chase willblock payments on the check numbers involved.Also, review new checks to make sure none havebeen stolen in transit. Review your account forcounterfeit checks. Make sure the checks thatclear the bank were written by you.Be alert to telephone scams.If you are called, be wary about providing personalinformation. Notify the appropriate financialinstitutions of any suspicious phone inquiries madein their name asking for account information to“verify a statement” or “award a prize.”Store cancelled checks safely.This applies to your new or unused checks as well.Be careful with your ATM and credit card receipts.Thieves can use them to access your accounts.Never throw away receipts in a public trash can.Guard your Personal Identification Numbers(PINs) and Passwords. Don’t write your PIN on yourATM or credit cards and don’t keep your PINs withyour cards. Don’t create PINs or passwords usinginformation that can be guessed easily (birthdays,addresses or pets’ names). Don’t share PINs orpasswords with friends or family. Change yourpasswords often.8NC10030.indd 82/9/09 2:48:46 PM
NC10030.indd 9INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job InfoDiscard mail appropriately.Consider a home paper shredder for all sensitivedocuments; if you receive financial solicitations thatyou’re not interested in, shred them before throwingthem away, so thieves can’t use them to assumeyour identity. Destroy any other financial documents,such as bank statements or invoices, before disposingof them.Keep your information private.Don’t give out financial information like checkingaccount and credit card numbers – and especiallyyour Social Security number – on the phoneunless you initiate the call and know the personor organization you’re dealing with. Don’t give outpersonal information to anyone who calls you, evenSegment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneFonts & ImagesFonts:Bliss (Regular, Bold, Italic), Helvetica(Bold)Images:05686 logo vCMY ChaseLogo.epsA0912 bkgd rCMY 7613319811.eps(CMYK; 375 ppi; 80%)Inks:CyanMagentaYellowBlackFPO Tech notesNotes:PID: 9999997792/9/09 2:48:46 PM
R E C L A I M I N G YO U R I D E N T I T YHow To Prevent Identity Theft (Continued)someone claiming to be from Chase. No legitimaterepresentative of JPMorgan Chase will ever ask youfor your PIN or password over the phone.Keep track of monthly statements.If regular statements fail to reach you, call thecompany to find out why. Someone may havefiled a false change-of-address notice to divert yourinformation to his or her address. If your statementsinclude suspicious items, don’t ignore them. Instead,investigate immediately and contact your bank orcreditor to head off any possible or further fraud.Review your credit report.Periodically contact the major credit reportingcompanies to review your file and make certainthe information is correct. For a small fee, youcan obtain a copy of your credit report at any time.Protect your computers.A stolen computer or smartphone can provide a wealthof information to a thief. Learn how your device savespasswords and account numbers and be sure anysoftware you use to store personal data is secure.Always set your laptop to require a password whenit is turned on or awakened from sleep, especiallywhen you’re traveling.10NC10030.indd 102/9/09 2:48:46 PM
NC10030.indd 11INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job InfoProtect your identity online.When conducting financial transactions, makingpurchases or sending personal information online,make sure the Web sites you visit are secure andprotect your data from Internet theft.Look for Web sites that use Secure Socket Layer (SSL)technology to encrypt your personal information. Youcan also check to see if your Web session is secure bylooking for a small lock symbol usually located in thelower corner of your Web browser window. Currentversions of leading Web browsers indicate when aWeb page is encrypted for transmission by using thissymbol. You may also look for the letters “https://”at the beginning of the Web site URL in your Webbrowser. The “s” means that the Web connectionis secure. For example, Chase.com uses 128-bitSegment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneFonts & ImagesFonts:Bliss (Regular, Bold, Italic), Helvetica(Bold)Images:05686 logo vCMY ChaseLogo.epsA0912 bkgd rCMY DVP0816013.eps(CMYK; 381 ppi; 80%)Inks:CyanMagentaYellowBlackFPO Tech notesNotes:PID: 99999977112/9/09 2:48:47 PM
R E C L A I M I N G YO U R I D E N T I T YHow To Deal With Identity Theft (Continued)encryption, the highest level of protection available.Another online safety feature is your password. Everytime you log on to Chase.com, you are required toenter your ID and password. You can manage youraccount the way you choose, so you have the abilityto change your password at any time. For your safety,you should not reveal your password to anyone.For more information about how you are protectedwhen using Chase.com, or for more information aboutencryption, visit us at Chase.com.How To Deal With Identity TheftYou can recover from identity theft. In fact, if yoususpect that you may be a victim, you’ve alreadytaken an important first step by contacting aChase Fraud Specialist.12NC10030.indd 122/9/09 2:48:48 PM
NC10030.indd 13INC10030.inddWe will give you personal attention and work withyou every step of the way. We’ll also assist you as youwork with credit bureaus and other key agencies.Here are some important steps you can take to helpreclaim your identity:Last Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job Info1. Contact the credit bureaus.Contact the fraud departments of one ofthe three major credit bureaus. They maintainreports that track the credit accounts thathave been opened in your name and how youpay your bills. You should call first and thenfollow up in writing. See the sample creditbureau letter in the Sample Documents section.As a victim of identity theft, you are entitled toa free credit report from each of the followingcredit reporting agencies:Segment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneEquifaxCall 1-800-525-6285Write: Equifax Fraud Assistance,P.O. Box 105069, Atlanta, GA 30348www.equifax.comFonts & ImagesFonts:Bliss (Regular, Bold, Italic, Heavy),Helvetica (Bold)ExperianCall 1-888-397-3742Write: P.O. Box 949, Allen, TX 75013-0949www.experian.comImages:A0912 bkgd rCMY 1324075.eps (CMYK;305 ppi; 100%)05686 logo vCMY ChaseLogo.epsTransUnionCall 1-800-680-7289Write: Fraud Victim Assistance DepartmentP.O. Box 6790, Fullerton, CA 92834www.tuc.comInks:CyanMagentaYellowBlackFPO Tech notes13Notes:PID: 999999772/9/09 2:48:48 PM
R E C L A I M I N G YO U R I D E N T I T YHow To Deal With Identity Theft (Continued) Request that a fraud alert be placed in yourcredit bureau file. Tell the credit bureaus youwould like to include a statement on yourcredit report asking that creditors call youbefore opening any new accounts or changingyour existing accounts. You can attach up to2 contact phone numbers, and you canremove an alert at any time. Initial Alertsremain on file for 90 days (Opt-out remainson file for 90 days). An Extended Alertrequires a law enforcement report and remainson file for 7 years (Opt out remainson file for 5 years). Active-Duty Alerts remainon file of an active duty military consumer for1 year (Opt-out remains on file for 2 years. Ask for copies of your credit reports.If you are a victim of identity theft, creditbureaus must give you a free copy of yourreport for you to check for inaccuracies. Review your credit reports carefully.Make sure that no additional fraudulentaccounts have been opened or unauthorizedchanges made. Check the inquiry sectionof the report. When inquiries appear fromcompanies that opened fraudulent accounts,request that the inquiries be removed fromyour report. Then follow up with the creditbureaus and any associated financial institutions.14NC10030.indd 142/9/09 2:48:48 PM
NC10030.indd 15INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job InfoSegment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneFonts & ImagesFonts:Bliss (Regular, Bold, Italic, Heavy),Helvetica (Bold)2. Stop using your computerAssume anything you type may be capturedby a hacker. Install anti-virus software and runa scan that identifies malicious software. If suchprograms are identified, report them to the USSecret Service (find the field office near you atwww.secretservice.gov/field offices.shtml).Make sure your system is updated and securebefore using it again, and change all yourpasswords, including email passwords.Images:05686 logo vCMY ChaseLogo.epsA0912 bkgd rCMY 20015050600.eps(CMYK; 297 ppi; 101%)Inks:CyanMagentaYellowBlackFPO Tech notesNotes:PID: 99999977152/9/09 2:48:48 PM
R E C L A I M I N G YO U R I D E N T I T YHow To Deal With Identity Theft (Continued)3. Contact your local police.File a report with your local police or the policein the community where the identity theft tookplace. Even if the police are unable to catch thethief, having a copy of the police report can helpprovide evidence of fraud to creditors. Obtaina copy of the police report in case your bank,credit card company or others need evidence.4. Contact the Federal Trade Commission.Call the Federal Trade Commission’s (FTC)Identity Theft Hotline at 1-877-ID THEFT(1-877-438-4338). The FTC will put yourinformation into a secure consumer frauddatabase and may, in appropriate instances,share it with other law enforcement agencies.16NC10030.indd 162/9/09 2:48:49 PM
NC10030.indd 17INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job Info5. Check your mail carefully.If you receive statements for accounts forwhich you did not apply, contact the creditor.An identity thief may have opened an accountin your name. If you do not receive statementsfor any of your usual accounts (includingcredit, banking and investment), contact thecompany immediately.An identity thief may have submitted a changeof address in order to redirect your statementsto a different location. If you do not receivemail you usually receive, contact the post office.An identity thief may have falsified a changeof address to redirect your mail to adifferent location.Segment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: None6. Review ALL your accounts.You should check transactions on credit accountstatements including credit cards, home equitylines of credit, bank accounts, investmentaccounts and telephone statements. If you findproblems on one of your accounts, you shouldpay careful attention to all of your accountsgoing forward. Here are some steps you cantake if you suspect that an identity thief mayhave tampered with any of your accounts:Fonts & ImagesFonts:Bliss (Regular, Bold, Italic, Heavy),Helvetica (Bold)Images:05686 logo vCMY ChaseLogo.epsA0912 bkgd rCMY 20002487100.eps(CMYK; 368 ppi; 81.5%)Inks:CyanMagentaYellowBlackFPO Tech notesNotes:PID: 99999977172/9/09 2:48:49 PM
R E C L A I M I N G YO U R I D E N T I T YHow To Deal With Identity Theft (Continued) Contact other creditors.Creditors can include credit card, phone andother utility companies, and banks and otherlenders. Ask to speak with someone in thecompany’s security or fraud departmentand follow up with a letter. A sample disputeletter can be found in the Sample Documentssection. Close accounts that have beentampered with and open new ones withnew PINs and passwords. Avoid using easilyavailable information for a password likea date of birth or Social Security number. Review your bank accounts.If an identity thief has tampered with yoursavings or checking account or ATM card,close the account immediately. If your checkswere stolen or misused, either place a stoppayment on the range of missing checks orclose the account. Also, contact the majorcheck verification companies that you maybe a victim to help them prevent furtherfraudulent use of your identity.TeleCheck: 1-800-710-9898Certegy: 1-800-437-512018NC10030.indd 182/9/09 2:48:49 PM
NC10030.indd 19INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job InfoSegment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: None Review your investment accounts.If an identity thief has tampered withyour securities, investments or brokerageaccount, immediately report it to yourbroker or account manager.Fonts & ImagesFonts:Bliss (Regular, Bold, Italic, Heavy),Helvetica (Bold) Contact telephone service providers.If an identity thief has established anew phone or cellular service in yourname, contact the service providerimmediately to cancel the account.If you have trouble getting fraudulentphone charges removed from your account,contact the state Public Utilities Commissionfor local service providers or the FederalCommunications Commission for longdistance service providers.Images:05686 logo vCMY ChaseLogo.epsA0912 bkgd rCMY AYP1205334.eps(CMYK; 353 ppi; 85%)Inks:CyanMagentaYellowBlackFPO Tech notesNotes:PID: 99999977192/9/09 2:48:50 PM
R E C L A I M I N G YO U R I D E N T I T YHow To Deal With Identity Theft (Continued) Contact your local Postal Inspector.If an identity thief has stolen your mailto obtain credit or falsified change-ofaddress forms, that’s a crime. Report itto your local Postal Inspector. You canlearn how to contact your local PostalInspection Service office by contactingyour local post office or by visiting theUnited States Postal Service online atwww.usps.gov/websites/depart/inspect. Contact the Social Security Department.If you believe someone is using yourSocial Security number to apply for a job,contact the Social Security Fraud Hotlineat 1-800-269-0271. You can also contactthe Social Security Department at1-800-772-1213 to verify the accuracyof the earnings reported on your SocialSecurity number and to request a copyof your Social Security statement. Contact your local Department ofMotor Vehicles. If you suspect your nameis being used by an identity thief to get adriver’s license or ID card, or if your driver’slicense has been lost or stolen, contact yourlocal Department of Motor Vehicles.20NC10030.indd 202/9/09 2:48:50 PM
NC10030.indd 21INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job Info7. Perform periodic reviews.In a few months, order a new copy of yourcredit report – you are entitled to a free creditreport each year – to verify your correctionsand changes. After reviewing your credit report,you may find that accounts were opened inyour name at other banks or lenders. Contactthe companies where the accounts were openedto report fraudulent accounts, then follow upin writing. Include copies of documents thatsupport your position. See the sample creditbureau letter in the Sample Documents section.Segment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneFonts & ImagesFonts:Bliss (Regular, Bold, Italic), Helvetica(Bold)Images:05686 logo vCMY ChaseLogo.epsA0912 bkgd rCMY ISP2043699.eps(CMYK; 375 ppi; 80%)Inks:CyanMagentaYellowBlackFPO Tech notesNotes:PID: 99999977212/9/09 2:48:51 PM
SAMPLE DOCUMENTSThese are sample letters that you can send to creditbureaus and credit card issuers.Sample dispute letter – Credit BureauDateYour NameYour AddressYour City, State, ZipComplaint Dept.Name of Credit BureauAddressCity, State, ZipDear Sir or Madam:I am writing to dispute the following information in my file.The items I dispute are circled on the attached copy of thereport I received. (Identify item(s) disputed by name of source,such as creditors or tax court, and identify type of item, such ascredit account, judgment, etc.)This item is (inaccurate or incomplete) because (describe whatis inaccurate or incomplete and why). I am requesting that theitem be deleted (or request another specific change) to correctthe information.Enclosed are copies of (use this sentence if applicable anddescribe any enclosed documentation, such as payment recordsor court documents) supporting my position. Please investigatethis (these) matter(s) and (delete or correct) the disputeditem(s) as soon as possible.Sincerely,Your NameEnclosures: (List what you are enclosing)22NC10030.indd 222/9/09 2:48:51 PM
NC10030.indd 23INC10030.inddLast Save Date: 2-9-2009 2:45 PMUser Name: Essig, Lisa E (Card Services)Station Name: WWIL124133Job InfoSample dispute letter – Credit Card IssuersDateYour NameYour AddressYour City, State, ZipYour account numberName of CreditorBilling InquiriesAddressCity, State, ZipSegment:FulfillmentCampaign:Identity TheftCell:NoneWR #:108294Partner:Chase FraudRPC:NoneCreativeFormat ID:CF03682ComponentSpec ID:BRC-S04062Mail Date:NoneDocument Size:Trim Width: 3.5”Trim Height: 7”Fold Position: NoneFolded Size: NoneDear Sir or Madam:I am writing to dispute a billing error in the amount of on my account. The amount is inaccuratebecause (describe the problem). I am requesting that theerror be corrected, that any finance or other charges relatedto the disputed amount be credited as well, and that I receivean accurate statement.Fonts & ImagesFonts:Bliss (Regular, Bold, Italic), Helvetica(Bold)Images:05686 logo vCMY ChaseLogo.epsEnclosed are copies of (use this sentence to describe anyenclosed information, such as sales slips or payment records)supporting my position. Please investigate this matter andcorrect the billing error as soon as possible.Inks:CyanMagentaYellowBlackFPO Tech notesSincerely,Your NameEnclosures: (List what you are enclosing)Notes:PID: 99999977232/9/09 2:48:51 PM
Call 1-888-745-0091 to speak to an Identity Theft SpecialistNC10030.indd 24Visit Chase.com/identitytheftID INC100302/9/09 2:48:51 PM
Partner: Chase Fraud RPC: None Creative Format ID: CF03682 Component Spec ID: BRC-S04062 . At Chase, we work hard to pro vide customized tools and information to help prepare you for whatever happens in your evolving financial life. 3 INC10030.indd 3 2/9/09 2:48:45 PM.
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Live Member Support & Certified Identity Restoration Support. We have live, U.S.-based, award -winning Identity Protection Agents available to answer your questions . If your identity is compromised, a Identity Restoration Specialist will personally handle your case and help restore your identity. 1 Million Total Service Guarantee
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2. Run the Identity Finder program: Start Menu Programs Identity Finder Identity Finder. 3. If this is your first time using Identity Finder, you will be asked to create a New Identity Finder Profile, and be prompted to enter and confirm a password. It is advised that you create a unique password solely for Identity Finder. 4.
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identity theft we have seen or believe to be likely. ased on these reviews and our review of the FT 's identity theft rules and its suggested responses to mitigate identity theft, as well as other sources, we have developed our procedures below to respond to detected identity theft Red Flags. Procedures to Prevent and Mitigate Identity Theft
