Security & Fraud

Report Fraud

From identity theft to Internet scams, fraud is an unfortunate byproduct of the convenience offered by today’s online activities. Ocean City Home Bank takes the threat of fraud very seriously and works diligently to help our customers protect their accounts and personal information. If you believe you are a victim of fraud, be sure to report the incident promptly. We’ve compiled a list of reporting procedures, which vary according to the type of fraud, along with resources that can provide additional information and offer assistance in the event that your account and/or personal information has been compromised.

If you believe you are a victim of fraud:

Call Ocean City Home Bank Immediately

Fraudulent activity on Ocean City Home Bank account(s) or lost/stolen checks and debit/ATM cards: 609-927-7722.

Fraudulent Ocean City Home Bank emails (phish) and websites (spoofed sites): service@ochome.com.

If you suspect Identity Theft:

You may find yourself in one or both ID Theft situations: 1) A criminal used your existing account(s), such as your checking account. 2) A criminal opening new account(s) using your name.

Contact Ocean City Home Bank

Contact us at 609-927-7722.

Report the criminal activity to the Federal Trade Commission (FTC)

Call the FTC hotline at 1-877-ID THEFT (1-877-438-4338) to speak with a trained identity theft counselor or you can submit a complaint to the FTC on their website, www.identitytheft.gov.

File a report with your local law enforcement

Contact your local police department and let them know that you want to file a report involving Identity Theft. Give a copy of the FTC theft complaint to the police when you file a police report. You can also contact your State Attorney General's office to see if an Identity Theft police report is required in your state.

Contact the major credit bureaus

If you suspect that your personal information has been compromised or a that new account has been opened, contact the Credit Bureaus immediately and have a Fraud Alert placed on your profile. A temporary Fraud Alert will stay on your credit report for 90 days and provide an extra level of security should anyone try to open an account using your personal information.

For more information about the steps to take and for credit reports, contact:

Equifax: 1-800-525-6285 or www.equifax.com

Experian: 1-888-397-3742 or www.experian.com

Transunion: 1-800-680-7289 or www.transunion.com

Contact the company

If you suspect unauthorized charges or that a new account has been opened, contact the company with which you hold the account with unauthorized charges. Discuss your options with a company representative so that you can make informed decisions. Always ask the company to send you an official notification of fraudulent account activity and discharge of the unauthorized transactions/debt in writing. If sending documents to the companies via mail, be sure to send copies of your documents and always send them by certified mail with return receipt requested.

Continue to review all your accounts

Continue to review all charges and transactions appearing on your account statements and online account activity. Immediately report any discrepancies.

Check these resources for more information on identity theft and your credit report:

Annual Credit Report Website: www.annualcreditreport.com

The Federal Trade Commission (FTC): www.ftc.gov

The Federal Deposit Insurance Corporation (FDIC): www.fdic.gov

Financial Fraud Enforcement Task Force: www.stopfraud.gov

If you suspect an internet scam:

Because the types of internet fraud are so varied, the resolution process varies widely in terms of results and the length of time it takes a victim to go through the process. In many cases, there is no satisfying recourse for the victim. Recouping losses can be very difficult, if at all possible, but there are steps you can take to mitigate current or potential future losses due to an internet scam.

Review your accounts

Check your financial accounts for unauthorized activity. If any fraudulent activity occurs on your existing accounts, follow the Identity Theft resolution instructions.

Contact the major credit bureaus

Put a fraud alert on your credit profile with the three major credit bureaus. Check your credit report for unauthorized new accounts. If an account has been fraudulently opened in your name, follow the Identity Theft resolution instructions.

Contact your financial institutions

Contact your financial institutions and alert them of the situation. Change your PIN numbers and have your credit and debit cards canceled and reordered.

If a financial transaction occurred on your Ocean City Home Bank account(s), contact us immediately at 609-927-7722.

Contact the Federal Trade Commission

Contact the Federal Trade Commission and the Internet Crime Complaint Center to file a complaint.

Internet Crime Complaint Center (IC3) www.ic3.gov

Contact the company

Contact the company hosting the transaction if applicable, such as the auction site hosting a fraudulent seller, and notify them of the occurrence. They may have policies in place to assist you in recouping your losses.

The FBI hosts a Cyber Investigations site that gives detailed information of the types of internet crimes being perpetrated and how to protect yourself. www.fbi.gov/cyberinvest/cyberhome.htm

If you suspect a text message scam:

Do not respond to unwanted texts or emails from questionable sources. Several mobile service providers will allow you to forward unwanted spam texts by simply texting it to 7726 (or "SPAM") to enable the providers to prevent future unwanted texts from the specific sender.

You can file a complaint with the FCC if you receive:

An unwanted commercial email message sent to your mobile phone.

An autodialed or prerecorded telephone voice message or text message to your mobile phone if you didn't consent to the message previously (or it doesn't involve an emergency).

Any autodialed text message on your wireless device, or an unwanted commercial message to a non-wireless device from a telecommunications company or advertising telecommunications company's products or services, if the message is sent without your prior consent.

There is no charge for filing a complaint. You can file your complaint using an online complaint form. You can also file your complaint with the FCC's Consumer Center by calling 1-888-CALL-FCC ; or writing to: Federal Communications Commission, Consumer and Governmental Affairs Bureau, Consumer Inquiries and Complaints Division, 445 12th Street SW, Washington, DC 20554