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Offline Fraud
Credit Card Fraud

Credit card theft is a very common form of fraud, however, it is still possible for your account numbers to be stolen while your cards are still in your possession.

The following tips will help you reduce the chances that you will become a victim of credit card fraud:
  • Sign your cards immediately once they arrive in the mail.
  • Memorize your PIN and don't write it on anything, especially something in your wallet.
  • Don't enter your card online unless you're on a secure site. Don't send your credit card number in an email.
  • Keep a record of all your account numbers, expiration dates, and contact information for each issuer. This will come in handy if your wallet is lost or stolen.
  • Report a lost or stolen card right away. Quick action will minimize potential loss and liability.
  • Save your receipts to compare against your billing statement. When discarding receipts, tear them up or shred them.
  • Monitor your statements monthly, making sure you recognize all charges. If you see any suspicious transactions, contact your bank immediately.
  • Carefully review receipts for voided transactions and be sure they do not post to your account.
  • Destroy your carbons. Do not leave them behind without tearing them up.
  • Don't leave your purse, wallet, cards, or receipts unattended. Always keep them secure or in your sight. Only carry cards that you need, leaving others in a safe place at home.
  • Don't give out your account number unless you know and trust the company.
  • In lieu of a signature on your credit card, write "verify signature on driver's license."
For additional tips on how you can help protect yourself against fraud visit Quick Tips.

Telephone and Print Fraud

Some scammers attempt to commit fraud through fraudulent telephone calls or fake newspaper advertisements. They pose as legitimate financial institutions and ask for your personal and account information. Following is some important information to help you identify print and phone fraud:

Examples of Telephone Fraud

Be wary of telephone scammers. If you receive a call from someone asking for personal and account information, call the company back using a phone number you know is legitimate. Here are some examples of recent fraudulent telephone activities:
  1. "Gift of $10,000 Cash" The caller tells clients that they've won a gift of $10,000. Clients are asked to confirm their account and routing numbers so that the money can be transferred to their accounts by wire.

  2. "Verify Possible Fraudulent Card Information" Clients receive a voice mail and are asked to verify possible fraudulent activities on their cards. The voice mail includes bogus phone numbers for clients to call.
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Fraudulent Newspaper Advertisements

Some scammers use local and community newspapers to publish fraudulent advertisements that use the SunTrust logo. These ads offer special rates for loans for mortgages, debt consolidation or small businesses.

Scammers use fraudulent contact information such as mailing addresses, phone and fax numbers and claim to be "third-party consultants." When unsuspecting consumers contact the scammers, the callers are asked to provide their personal and account information. Scammers then tell applicants that their loans have been approved but that they first need to make an advance payment or deposit before the loans can be advanced by wire transfer.
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Preventing Telephone and Print Fraud

Scammers often attempt to commit fraud by making fraudulent calls or publishing fake advertisements. Here are some tips to avoid mail, print and phone fraud:
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Report Fraud 

To report telephone or print fraud, please contact SunTrust at 800.227.3782.
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