Responding to Identity Theft

What to Do If You Think Your Identity Has Been Stolen

If you feel that you have been a victim of fraud or identity theft relating to your First Bethany account or ATM or Debit card, please contact us immediately during business hours [8:30 a.m. to 4:00 p.m., CST, Monday through Thursday - 8:30 a.m. to 6:00 p.m., CST, Friday] at (405) 789-1110.  After hours, you can call (800) 791-2525 to have your debit card or ATM card closed.

If you suspect someone has used your name, Social Security Number or driver's license to obtain credit, contact each of the three credit bureaus:

Equifax (800) 525-6285
Experian (888) 397-3742
TransUnion (800) 680-7289

Get a copy of your credit report. Victims of ID theft can receive copies of their credit reports free.

Make sure your account(s) are flagged with a “fraud alert” tag and a “victim’s statement.” Ask to keep the alert on your account for seven years.

Always send these requests in writing and keep a copy for yourself.

Then, contact the proper authorities.

In the United States, contact the Federal Trade Commission (FTC) to file a complaint. If you are a victim of any type of identity theft, call the FTC's toll free Identity Theft Hotline at (877) ID-THEFT or (877) 438-4338. To help minimize your responsibility for any debts incurred due to identity theft download and print the FTC's Identity Theft affidavit and send a copy to all credit card agencies involved. Click here for the FTC's Identity Theft web site.

File a report with your local police or law enforcement agency.   Get a copy of the police report to notify your bank, credit card company, and other creditors that you are a victim of crime, not a credit abuser.