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Report Fraud or Identity Theft - Personal Security Center

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If you believe you are a victim of fraud:

Call Bank of the West Immediately

  • Fraudulent activity on Bank of the West account(s) or lost/stolen checks and debit ATM cards 1-800-488-2265.

  • Fraudulent Bank of the West emails (phish) and websites (spoofed sites) You will get an automated confirmation email.

  • Lost/stolen credit cards or suspicious credit card transactions 1-800-996-2638.

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 Bank of the West

Contact us at 1-800-488-2265.

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

If you suspect that your personal information has been compromised, consider filing a complaint with the Federal Trade Commission.

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,

File a report with your local law enforcement

File a report with your local law enforcement and retrieve an Identity Theft. 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, such as your Social Security number, 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.

If you suspect a new account has been opened contact the credit bureaus immediately and have a Fraud Alert placed on your profile. The credit bureaus are required to respond to your request for a Fraud Alert. Once a dispute has been resolved, the credit bureaus you contacted will send you another copy of your credit report. Review the report to make sure that all fraudulent activity has stopped and your file has been corrected.

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

Contact the company

If you suspect unauthorized charges, contact the company with which you hold the account with unauthorized charges. The procedures for handling unauthorized charges will vary from company to company. 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. You will need to retain this for your records.

If you suspect a new account has been opened, contact the companies holding accounts fraudulently opened using your name. Your credit report profile will have the names of the companies involved. You will want to have the accounts closed and ensure that they have alerted the appropriate departments, such as their fraud department. The procedures for handling fraudulent activity will vary from company to company. 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.

Ongoing 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:

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 Bank of the West Account(s), contact us immediately at 1-800-488-2265.

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)

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.

Report Fraud, Identity Theft or Suspicious Activity

If you believe you are the victim of fraud or identity theft, call Bank of the West immediately at 1-800-488-2265.
TTY 800-659-5495

To report a lost or stolen credit card, call us at 1-800-996-2638.

If you've received a suspicious email, let us know by emailing us at:

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