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Identity fraud can affect anyone. Fraudsters use different methods to get your personal information, such as phishing links, malware and dumpster diving. With this information, they may open new accounts, purchase items and steal money. You may not be aware your identity has been stolen until months or years have passed.
Notice suspicious activity on your account?
Call us at 877-448-6500 Opens your phone app..
What you need to know
- Check your credit score and statements regularly and report any irregular transactions
- Use safe online practices and be wary of unsecured networks and websites
- Be aware of unsolicited emails, text messages or phone calls that ask for personal information
- Get a free annual credit report from one of the three credit reporting agencies: Equifax, Experian or TransUnion
What's identity fraud and identity theft?
Identity fraud happens when a fraudster uses stolen personal information. Often, it's used to commit fraud and hide criminal activity. This includes pretending to be someone else when applying for bank accounts, loans or credit cards. Identity theft is a deliberate act to steal personal information. A fraudster may dumpster dive, steal mail or use phishing emails, computer spyware or malware to get this information.
Warning signs of identity fraud and theft
- Your credit score has changed.
- Your phone or internet service has been disconnected because of non-payment.
- You receive notifications about new accounts in your name or have unauthorized transactions in your account.
- You're missing bills and statements. This may be a sign that your mail has been stolen or your mailing address has been changed.
- You receive calls from creditors or collection agencies. This may be a sign that you've been approved or denied credit you haven't applied for or an account you don't have.
Follow our best practices to protect yourself
- Report any suspicious or unauthorized activity immediately.
- Never use the same password or reuse an old password.
- Pick up your mail daily and sign up for eStatements in CIBC NetBanking. They’re available online for 19 months.
- Shred any mail or statements that have your personal information.
- Review your statements regularly to ensure all transactions are genuine.
- Place an alert on your credit reporting agency and bank products to get notified of any activity.
- Memorize your passwords and PINs and never share this information with anyone.
- Install up-to-date antivirus software, anti-spyware and a firewall on your computer.
- Avoid giving personal information over the phone when you're in a public place.
- Sign out of websites after completing online transactions and clear your browser’s cookies and cache.
Notice anything suspicious? Let us know.
Contact us immediately if you received a suspicious email or notice any unauthorized activity on your account.
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