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FDIC Consumer News
Important Update: FDIC Insurance Coverage Increased in Late 2008
In the fall of 2008, Congress temporarily increased the basic FDIC insurance coverage limit from $100,000 to $250,000 through December 31, 2009. In addition, the FDIC simplified the rules for the calculation of deposit insurance coverage for revocable trust deposits, including an expanded definition of the "eligible beneficiaries" for additional insurance coverage. As a result, certain previously published information related to FDIC insurance may not reflect the current insurance coverage. For more information, go to www.fdic.gov/deposit/deposits/index.html or call toll-free 1-877-ASK-FDIC (1-877-275-3342) Monday through Friday, 8:00 a.m. to 8:00 p.m., Eastern Time. For the hearing-impaired, the number is 1-800-925-4618.
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Fall 2004
Who to Call to Report a Possible ID Theft
The fraud department at any one of the three major credit bureaus. Ask for a fraud alert to be placed in your file at all three ompanies. The alert tells lenders and other users of credit reports to be careful before opening or changing accounts in your name. Also followup with a letter. The special toll-free numbers for the fraud departments are: Equifax at 800-525-6285, Experian at (888) 397-3742 and TransUnion at (800) 680-7289. Get addresses and other details at
www.equifax.com, www.experian.com and
www.transunion.com.
Your bank, credit card company or any other financial institution that may need to know. Ask to speak with someone in the security or fraud department, and follow up with a letter. If necessary, close old accounts and open new ones, and select new passwords and “PINs”(personal identification numbers).
Your local police or the police where the identity theft occurred. Fill out a police report that will detail what happened and get a copy for future reference.
The Federal Trade Commission. Call toll-free 877-IDTHEFT (438-4338). Fill out a complaint form online at the FTC’s ID Theft Web site at www.consumer.gov/idtheft. Or, mail a letter to: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. An “ID Theft Affidavit” available on the FTC Web site also can be used to help you prove you are an innocent victim and help you keep debts you did not incur from appearing onyour credit report.
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