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Identity Theft Information Center
What is Identity Theft?
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Identity theft is a crime where someone steals key pieces of your personal information – your name, driver's license number, social security number or an account number – for fraudulent use.
Often, identity thieves can drain assets from your existing accounts, open new accounts in your name, apply for credit and charge purchases to you. This can wreck victims' credit history, leaving them with the burden of having to clear their name.
Report Identity Theft
- Call: As a PNC customer, call your bank branch, account representative or 1-888-PNC-BANK (1-888-762-2265)
- Click: Visit the (External) Federal Trade Commission website to report identity theft and to get a recovery plan.
- Send: Once you've reported, send the information to your bank, credit card companies, mortgage holder, other organizations with which you have financial relationships and all credit bureaus. Be sure to tell the bank or card issuer about all accounts and/or cards that could be potentially affected, such as ATM cards, check (debit) cards, credit cards and phone cards.
- Save: Keep a record of all conversations and correspondence.
- Consult: View our Reporting Fraud page for more information.
- Ask: If you have any questions or concerns about fraud or identity theft, call PNC Bank at 1-888-PNC-BANK (1-888-762-2265), 8:00 a.m. to 9:00 p.m., ET, Monday through Friday and 8:00 a.m. to 5:00 p.m., ET, Saturday and Sunday.
Credit Management Resources
(External) Equifax or 1-800-525-6285
(External) Experian or 1-888-397-3742
(External) TransUnion or 1-800-680-7289
How to Identify and Respond to Identity Theft
- Identity Red Flags
- Notify PNC Immediately
- File Reports
- Create a Recovery Plan
Indicators your identity may have been stolen
Denials
- Denial of credit card application or services
- Denial of services (utility, rent, mortgage, etc.)
Unusual Activity
- Unusual charges on your credit card or financial account
- Unusual changes in credit report and credit scores
- Unusual calls from debtors or collection agencies for debts you do not owe
- Unusual bills for services or products that you have not used
- Unusual increases in insurance or interest rates
IRS Reports
- IRS reports indicating that more than one person has filed a tax return using your SSN
- IRS reports indicating wages received from unknown sources
Medical Information
- Incorrect medical history information
- Incorrect medical bills
How to Help Prevent Identity Theft
How PNC Protects You
At PNC, we are aware of the risks consumers face each day.
That's why we have implemented stringent security measures in our everyday business practices, so you can conduct your personal and professional business with confidence that your money is secure.
PNC will:
- Requests an ID at the teller window before granting access to your account
- Asks specific questions during phone transactions
- Guards Online Banking transactions, including Online Bill Pay with encryption and passwords, and masks all account numbers from online transmission
- Limits the amount of ATM withdrawals
- Offers zero liability if your PNC Bank Debit Card or PNC Bank Visa Platinum Select Rewards Credit Card is used fraudulently
- Adheres to the requirements of our Privacy Policy
PNC will not:
- Provide anyone outside of the PNC family of companies or agencies doing business with PNC with your personal account or contact information. We also will not sell your personal information to firms that claim they want to do business with you. If you have any questions or concerns about identity theft, call PNC Bank at 1-888-PNC-BANK (1-888-762-2265)
PNC Victims Assistance Program
PNC Bank's Victims Assistance Program offers tips to help you avoid becoming a victim of identity theft, steps to take if you are a victim and forms that may be used to report the incident to financial institutions. You can also access your PNC account activity logs and customer account records to check for discrepancies.
For more information about PNC's Identity Theft security programs, call our toll-free number 1-888-PNC-BANK (1-888-762-2265)