Defending Against Identity Theft

Tips to Protect Yourself from Identity Theft

Identity Theft occurs when someone uses your personal or business account information (non-public data that might include Social Security number, account number or other identifying information) without your permission to commit fraud, other financial crimes or theft of funds.  Identify Theft is a serious crime and can have a serious impact on your good name, credit record, and can wreak havoc with your finances, credit history, and reputation – and it can take time, money, and patience to resolve.

  • Protect your Social Security Number at all times. Don’t carry your Social Security card in your wallet. 
  • Keep your address and phone number(s) updated with the Bank to ensure you are receiving all Bank information. 
  • Personal information should not be shared on the phone, through the mail, or over the Internet unless you are confident of the recipient. 
  • Inspect your credit report. Order a copy of your credit report periodically from each of the three national credit bureaus from and monitor the reports. 
  • Be aware and contact your Bank if you receive unexpected bills, credit cards or account statements.

What to Do If You Are a Victim of Identity Theft

The Federal Trade Commission (FTC), the nation’s consumer protection agency, has prepared a guide to help you reduce the risk of identity theft happening to you and to repair the damage that identity theft can cause. Review the FTC “Identity Theft – A Recovery Plan” guide by clicking on the link below. (Adobe Acrobat Reader is required to view this document.)

If you believe that you are a victim of Identity Theft, take action immediately and… 

1. Contact one of the nationwide credit reporting companies listed below and ask for a fraud alert on your personal or business credit report:

    Equifax (800) 525-6285
    Experian (888) 397-3742
    TransUnion (800) 680-7289 

2. Begin the reporting and recovery process by contacting the FTC by mail at:
    Federal Trade Commission,
    600 Pennsylvania Ave., NW, Washington, DC 20580.


Contact A Flagstar Bank Representative

Flagstar Bank's Client Care Services and Support is available 24/7. Call 1-866-744-5463.

Individuals with speech or hearing disabilities: 
Please utilize a telecommunications relay service (TRS), which may be reached by dialing 7-1-1, to connect with an operator who can assist you with communicating with a Flagstar Bank Client Services Associate at 1-866-744-5463.

To report a lost or stolen ATM/DEBIT card, please call 1-866-744-5463,option 6.

Call Monitoring and Recording: If you communicate with us by telephone, we may monitor and/or record the call.