Identity Theft Warning Signs and Solutions

It’s not always easy to identify when you’ve become a victim of fraud, but we’re here to educate you on some of the most common schemes out there.

We want you to have every opportunity to safeguard your personal information and recognize the signs of fraud and identity theft. In the event that you become a victim, SunTrust’s fraud specialists will work with you to immediately resolve any issues that may affect your SunTrust accounts.

Learn more about how to identify fraud and identity theft, and what to do if you think you’re a victim.

Identifying Fraud

Identifying Fraud

There are many ways fraudsters attempt to commit fraud. We’ve created a list to help you identify fraud and potential compromises.


You might be a victim of identity theft if:

  • You received an address or phone number change notice, but didn’t initiate a change
  • The amount of mail you receive has dropped significantly, or you notice that some of your usual mail is missing
  • You receive a call from your bank to confirm transactions you did not perform
  • There are unusual transactions on your account
  • There are unusual inquiries on your credit reports
  • Calls keep coming from a collection agency that you don’t recognize
  • New credit cards arrive in the mail, but you never applied for one
  • You’ve experienced unexpected declines for loan or mortgage applications—despite your good credit
  • Your checks, debit card, credit cards or ATM card have been lost or stolen

Check out these additional resources to help you identify and avoid fraud:
Federal Trade Commission: ID Theft
Identity Theft Resource Center
Social Security Online
Identity Theft Checklist
Federal Trade Commission




Resolving Fraud

Resolving Fraud

If you discover that you're a victim of fraud or identity theft, rest assured we'll do everything we can to help you get the issue resolved. We know thinking about what to do and where to begin can be overwhelming, so we've put together some “to-dos” to help you through the process.

For a step-by-step guide on how to handle specific identity theft scenarios like tax-related identity theft, misused Social Security number, medical identity theft, etc., visit


First Things First:

  • Alert SunTrust and other financial institutions or creditors that you have accounts with—explain that someone stole your identity, and ask to have your accounts closed
  • Change the logins, passwords and PINs for all of your accounts
  • Contact all of the major credit bureaus’ fraud department: EquifaxExperian or TransUnion. Be sure you have a fraud alert placed on your account—it’s free!
  • Get a copy of your credit report by visiting or calling 1-877-322-8228
  • Report identity theft to the FTC by filling out their online complaint form or calling 1-877.ID.THEFT (1.877.438.4338)
  • File a report with your local police department—take a copy of your FTC Identity Theft Affidavit, a photo ID, proof of address and any evidence you have of the theft with you

Next Steps:

  • Close fraudulently opened accounts by calling the fraud department of the business or businesses where an account was opened. Explain that your identity has been stolen and ask the business to close the account. Be sure the business confirms the fraudulent activity in writing for you. You may need such documentation later to help clear your credit report.
  • Follow those same steps to have any charges that weren’t yours removed from all your affected accounts
  • Have your credit report corrected by writing to each of the three credit bureaus. Send a copy of your Identity Theft Report and proof of your identity (i.e., name, address and Social Security number) along with it. Explain which information on your report is a result of identity theft and ask them to block that information.
  • Refer to the Online Fraud and Identity Theft Guide for additional information on protecting your identity and accounts.

If one of your SunTrust accounts is affected, know that we are doing everything we can to stop unauthorized purchases and help restore any lost funds as quickly as possible.

To check the status of a submitted claim:

Log into Online Banking, call the Client Contact Center at 1.800.SUNTRUST or step into a branch with your claim number.

To report a new claim: Call 1.800.447.8994

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