How to Report Identity Theft in Alabama
Identity theft in Alabama is an increasingly popular crime, with someone falling victim almost every minute. It's crucial to take the required steps to protect yourself or else fraudsters can steal critical information about you such as your telephone number, name, address, credit card, and bank account numbers —and most risky—your Social Security number.
Thieves can use this stolen information to work in many ways, including opening bank accounts, going on a shopping spree, applying for additional loans or credit cards, setting up telephone services, among others. Some identity thieves could even go as far as giving the police your name during an arrest.
Reducing the disaster of identity theft in Alabama is dependent on your vigilance in safeguarding your privacy. Nevertheless, if you fall victim to identity theft in Alabama, you need to report the deed with immediate effect, and this is where DoNotPay comes in handy. We'll also help you to report Equifax, Social Security, Experian, IRS identity thefts, among others.
What Is Identity Theft?
Identity theft happens when another individual gets hold of your personal information and uses it to commit IRS crimes without your consent. In Alabama, an individual commits identity theft in accordance to Alabama Code Section § 13A-8-192 if they:
- Acquire or access identifying information that can aid in accessing financial resources, obtaining the victim's benefits.
- Acquire goods or services by using the identifying information of the victim.
- Acquire identification documents using the victim's name.
All the above must have been done without the victim's consent, authorization, or permission to qualify for identity theft.
Common Signs That You May Be a Victim of Alabama Identity Theft
Look out for these Alabama identity theft warning signs:
1. You receive bills or statements in the mail for accounts you have never opened
If you receive bills from accounts you never authorized, someone may have used your personal information to open an account under your name.
2. You unexpectedly get denied of loan or credit
If you had great credit and were unexpectedly denied a loan or new credit, scammers might have opened accounts in your name, run up bills, and defaulted on payments.
3. Your credit score mysteriously increases or deteriorates
If your credit score suddenly becomes very low, a scammer may have maxed out your credit without paying the bill. If it also increases without you doing anything to earn it, a thief might be building it up so that they can run through it at a later date.
4. You notice suspicious activity in your bank account
New accounts, unfamiliar charges, and withdrawals you never made are all signs of identity theft.
5. Your regular bills stop showing up in your mail
If you haven't opted to go paperless and your bills stop showing in your mail, it could indicate that someone has altered your billing address.
6. The IRS rejects your tax return
If your tax returns get rejected, it could mean that someone might have filed in your name and then made off with your tax refund.
7. You notice suspicious charges on your credit card
Scammers might be trying to make some small charges on your account first to test out the data they have, hoping you won't notice. If you notice any minor inconsistency, report it immediately, as this could be a sign of fraud.
8. You receive authentication messages for accounts you never set up
Thieves could be trying to set up a new account in your name. If you receive such messages, don't reply or click on any attached links.
9. Debt collectors call you about debts you know nothing about
If you receive any calls from debt collectors about an amount of money owed in your name, and you didn't collect any such debts, a scammer might be using your personal information.
10. You're suddenly denied medical coverage
Scammers can also steal an identity to use your health benefits too, and so, if you get unusual medical bills in your mail, know that someone may be enjoying your health benefits. The same is also true if you're unexpectedly denied coverage.
What to Do If Your Identity Is Stolen in Alabama
If your identity is stolen in Alabama, you will need to:
- Notify the creditors, debt collectors, and any other affected party.
- Report identity theft to the Federal Trade Commission (FTC). The FTC has letters that you can use to notify a creditor or debt collector of the theft of your identity, and these letters are available in Alabama.
- Report the identity theft to the police to be able to use the letters from the FTC.
How to Prevent Identity Theft in Alabama
Here are a few steps to help you minimize your risk:
- Regularly change your passwords, using a mix of characters and numbers that are hard to predict.
- Don't ever share your Peoples Bank of Alabama personal password with anyone.
- By no means should you give out your personal info over the phone.
- Don't use your debit or credit card number on the internet unless the website has a secured and encrypted system.
- Shred all unwanted mail and personal documents.
How to Report Identity Theft in Alabama by Yourself
There are several things you have to do to report identity theft in Alabama by yourself:
- Immediately, notify the Peoples Bank of Alabama Customer Service at 1-877-788-0288 or 256-737-7000
- Report to FTC online at IdentityTheft.gov.
- Call the FTC's hotline at 1-877-438-4338.
- Notify law enforcement to file a report.
How to Deal With Identity Theft Using DoNotPay
Compared to the time-consuming and frustrating DIY process, DoNotPay’s solution is quick and easy.
At DoNotPay, we help to ease the process of reporting identity theft crimes in three simple steps:
- Search "identity theft" on DoNotPay and select the type of incident you would like to report.
- Tell us more about the incident that occurred, including the location, date, time, financial loss, and any suspect information you may have.
- We'll identify whether you should file an FTC report, contact the IRS, freeze your credit report, contact state agencies, or file a police report. Once we guide you through the best options, we'll automatically submit the reports on your behalf!
DoNotPay Works Across All Identity Theft Issues
If you’re looking for fast and successful solutions to overwhelming identity theft problems, turn to DoNotPay for help. We can also help you to:
- Identify someone who filed for unemployment in your name
- Deal with credit card fraud
- Report someone who stole your stimulus check
- Get acquainted with how much you can sue for identity theft
What Else Can DoNotPay Help You Do?
All our solutions are fast, easy, and successful. Here are a few other things you can do quickly with DoNotPay:
|Get rid of annoying robocalls||Manage your bills|
|Communicate with your loved ones in jail||File insurance claims quickly|