How to protect yourself
- Don't give out personal information over the phone,
through the mail, or over the Internet unless you've initiated the
contact and are sure you know who you're are dealing with.
- Before you share any personal information, confirm that you
are dealing with a legitimate organization. Check the
organization's website or call their customer service department using
a number listed in the telephone book.
- Secure personal information in your home, especially if you
have roommates, employ outside help or are having service work done in
- Don't carry your Social Security card; leave it in a secure
place. Give your Social Security number
only when absolutely necessary. Ask to use other types of identifiers
- Don't write your Social Security number or credit card
number on a check.
- Once a year, order a copy of your credit report and check
it for accuracy. By reviewing your report on a regular basis, you can
catch mistakes and fraud before they wreak havoc on your personal
- Take care to shield the electronic keypad when entering
your PIN number at an ATM or merchant. Always take your receipt with
- Don't write your PIN number on your ATM or debit card.
- Social Security numbers, financial records, tax returns and
bank account numbers might be stored in your
- Don't download files sent to you by strangers or click on
hyperlinks from people you don't know.
- Always log off from your on-line banking session.
- Use a security software program to stop uninvited guests
from accessing your computer. Without it, hackers can take
over your computer and access any personal information stored on it.
- Shut off/disconnect your computer from the Internet when
not in use.
Protecting your documentation
- Shred or tear up unwanted pre-approved credit offers,
credit card access checks, bank statements, cancelled checks, debit
card details, utility bills, insurance forms and expired charge cards.
- Carefully monitor financial statements (bank, credit card,
investment transactions, etc.) so you might detect any unauthorized
charges or withdrawals as soon as possible.
- Immediately report such unauthorized use to your bank or
credit card company.
Protecting your mail
- Deposit outgoing mail in post office collection boxes or at
your local post office, rather than in your mailbox. Promptly remove
mail from your mailbox. Identity thieves sometimes obtain personal
information by stealing outgoing mail.
- Pay attention to your billing cycles. If regular bills fail
to reach you, contact the company to find out why.
Reporting Identity Theft to
If you suspect that you are a victim of identity theft
(i.e., you notice unauthorized transactions on your credit card or bank
statements, responded to fraudulent e-mails), it is important to act as
quickly as possible to minimize the damage to your finances and your
Contact Comerica Identity Theft Resources at 877.881.8955.
If you're a Comerica customer, this call will alert us of potential
fraud and prompt us to close your account, if needed.
Also, as a service to our customers that have unfortunately
become a victim of identity theft, we will provide exclusive access to
the Identity Theft Assistance Center (ITAC®). ITAC®
is a cooperative initiative of the financial services industry that
provides a free victim assistance service for customers of member
ITAC® helps victims of identity theft
by reducing the delay and frustration that consumers often experience
as they restore their financial identity. First, the identity theft
victim and the ITAC® member
company resolve any issues at that company. Then ITAC®
walks the consumer through his or her credit report to find suspicious
activity, notifies the affected creditors, and places fraud alerts with
the credit bureaus. In addition, ITAC® shares
information with law enforcement and the Federal Trade Commission to
help catch and convict the criminals responsible for identity theft.
ITAC® is part of an ongoing effort by the
financial services industry to address and reduce the human and
economic consequences of fraud and identity theft. Visit the
ITAC® website at
Report suspicious Comerica e-mails
ITAC is a registered trademark of the Identity Theft