Important Message for Our Mortgage Loan Customers
If you receive a solicitation after your mortgage loan closes with Pike National Bank regarding purchasing Life/Disability Insurance, or any solicitation in general, please note the solicitation is not from PNB.
Some of our mortgage loan customers have received these types of solicitations which included mortgage loan amount and recording date. This information is public knowledge through the recording of your Deed of Trust filed with the County Clerk’s office in the county where the property is located.
EQUIFAX - Cybersecurity Incident & Important Consumer Information
September 18, 2017
Recently, Equifax, one of the three national consumer credit reporting agencies, announced a major data breach. This breach affects approximately 143 million Americans. This is what we know according to Equifax: the data breach occurred May – July 2017, and the information stolen includes consumers’ personally identifiable information, including names, Social Security numbers, dates of birth, addresses and, in some cases, driver’s license numbers. Approximately 209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen. There is no evidence of unauthorized access to consumers’ credit reporting databases.
To be clear, Pike National Bank was not compromised and your information was not stolen from our bank. However, Pike National Bank takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach and the steps you can take to protect your personally identifiable information if you so desire. Following this unprecedented breach, we are also asking our customers to be extra vigilant and report any suspicious activity in your Pike National Bank accounts to Account Services by calling 601-684-7575 and choose option 1.
Equifax has established a website that informs consumers if they may be affected by the breach, provides additional information on the breach, and offers complimentary identity theft protection and credit file monitoring. This information is available at www.equifaxsecurity2017.com. To protect your identity and personal information, Pike National Bank strongly encourages our customers to take the actions noted below.
- Review your account statements to spot any suspicious transactions. You can also monitor your account activity online at any time at www.pnb-ms.net.
- If you spot any suspicious transactions, please contact us immediately at 601-684-7575 and choose option 1.
- Consider if you should place an initial fraud alert on your credit report (see https://www.consumer.ftc.gov/articles/0275-place-fraud-alert).
- Consider if you should freeze your credit file (see https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs).
- Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report or visit https://www.annualcreditreport.com/
P.O. Box 9554
Allen, TX 75013
P.O. Box 2000
Chester, PA 19016
P.O. Box 740241
Atlanta, GA 30374
- You should also contact the credit reporting agencies to notify them of any suspected fraud or identity theft.
If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC) at https://www.identitytheft.gov/ or by calling 1-877-IDTHEFT (1-877-438-4338). The FTC also offers general information to protect your online presence at https://www.consumer.ftc.gov/topics/privacy-identity-online-security.
Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information. You may call them at 866-447-7559.
Pike National Bank
Reminder about Fraud Prevention
The best fraud prevention available is you! Learn to identify fraud so that you can protect yourself!
Scammers are becoming more and more creative. Be on the lookout for people who are giving you a get-rich-quick opportunity, or charities you’ve never heard of. If it seems too good to be true, it probably is! Another sign of fraud is if someone offers to deposit money into your account (or you receive a check in the mail to be deposited), and then asks you to withdraw that money and send it back to them to by a prepaid Visa card or wire. By the time the money they sent comes back as fraud, they have your money and you are responsible for the bill!
Remember: The goal of fraud is to take your money! It is always harder to get money back than it is to keep it in the first place!
Be extremely cautious about giving any of your personal information out over the phone, especially if they called you first! Personal information includes your bank routing and account numbers, your online banking user ID and password, and any other unique information like your date of birth or Social Security numbers.
If you think something may be fraud, ask us! Count on your bankers at PNB to help you
Our Fraud Prevention Service
In our continuing efforts to keep your accounts secure, we've improved our alert system for potential fraud. If suspected fraudulent transactions are detected on your debit card, the following efforts to contact you will be made.
Here's how it works:
- When potential fraud is detected, you will receive an automatic email notification from Pike National Bank, with the option to reply "fraud" or "no fraud."
- One minute after the email, you will receive a text alert from #96923 between 7am and 9pm, which also has the "fraud" or "no fraud" option. The text message alerts will only be received by customers who use the following cell phone carriers: AT&T, Verizon, Sprint, Boost, Virgin Mobile, and T-Mobile.
- If you do not respond within five minutes of the text alert, you will receive an automatic phone call to confirm or deny fraud .
Remember - our messages will never ask for your PIN or account number.
*The phone number for our Fraud Center has changed to 1-800-237-8990. If you add this number to your phone contacts and label it "Fraud Center," it will display whenever you get a call from this number.
*The Hot Card number for cardholders is 1-888-297-3416.
Debit Card Monitoring
In an effort to better detect fraudulent activity on PNB’s customers’ debit cards, we have engaged the services of a Fraud Center to monitor debit card activity 24 hours a day, 7 days a week. With this enhanced monitoring, you may be contacted between 8:00 am and 9:00 pm to verify any potential fraudulent activity.
They WILL NOT ask for any personal information. They will disclose that they are calling on behalf of Pike National Bank and will only ask for verification of the transaction in question.