Email Incident FAQ

Artisans’ Bank – Frequently Asked Questions


1.  What happened?

On March 12, 2024, Artisan’s Bank discovered suspicious activity related to an employee’s email account. In response, Artisans’ Bank quickly took steps to secure our email tenant and launched an investigation to determine the nature and scope of the incident. This investigation recently concluded and determined that between January 28, 2024 and March 12, 2024, an unknown, unauthorized actor had access to a limited number of Artisan’s Bank employee email accounts and potentially accessed and/or acquired certain information stored within the accounts.


2.  Why am I getting this notice?

If you received a letter, it is because the investigation into the incident determined that, at the time of the incident, your information was potentially present in the affected email accounts. The type of affected information is unique for each individual, and the letter you received lists the potential types of information related to you that could have been impacted by this event. At this time, Artisans’ Bank does not have any evidence that any individual’s information has been subject to actual or attempted misuse or fraud.


3.  What did Artisans’ Bank do when the incident was discovered?

Upon learning of the incident, Artisans’ Bank quickly began an investigation, to determine the nature and scope of the incident and identify the information that was involved.


4.  What is Artisans’ Bank doing to prevent this from happening again?

Artisans’ Bank takes this incident and the security of information in its care seriously. Upon learning of this incident, Artisans’ Bank moved quickly to investigate. This investigation and response included confirming the security of its systems, reviewing the contents of relevant files for sensitive information, and notifying impacted individuals. As part of its ongoing commitment to the privacy of personal information in its care, Artisans’ Bank is reviewing its policies, procedures, and processes related to the storage of, and access to, personal information, to reduce the likelihood of a similar future incident.


5.  Does this mean I am a victim of identity theft or identity fraud?

No. Notification of this incident does not mean you are the victim of identity theft or fraud. Artisans’ Bank is providing notice to those individuals whose personal information was potentially impacted by this incident out of an abundance of caution. At this time, there is no indication that anyone’s information has been subject to actual or attempted misuse in connection with this incident.


6.  Why did it take so long to notify me?

Artisans’ Bank takes the security of personal information in its care seriously. Artisans’ Bank conducted an investigation to determine the nature and scope of the information involved in this incident. After a diligent and comprehensive review to identify potentially affected information, Artisans’ Bank began notifying individuals as soon as reasonably possible, to inform them of the incident and let them know the nature of their information that was potentially affected.


7.  What can I do to protect against identity theft or fraud?

Artisans’ Bank recommends that you remain vigilant and continue to monitor your accounts and explanation of benefits forms for unusual activity or any charges you did not make. While Artisans’ Bank is unaware of any misuse of information as a result of this incident, Artisans’ Bank encourages those individuals potentially impacted by this incident to protect against the possibility of identity theft and fraud by:


  • Monitoring your financial statements carefully. If you see any unauthorized or suspicious activity, promptly contact your bank, credit union, or credit card company.
  • Monitoring your credit reports for suspicious or unauthorized activity. Under U.S. law you are entitled to one free credit report annually from each of the three major credit reporting bureaus. To order your free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. You may also contact the three major credit bureaus directly to request a free copy of your credit report.
  • Placing a fraud alert on your credit file. You have the right to place an initial or extended “fraud alert” on your file at no cost. An initial fraud alert is a one-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Contact the three major credit bureaus directly to place a fraud alert on your credit file.
  • Placing a security freeze on your credit file. A security freeze will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, you cannot be charged to place or lift a security freeze on your credit report. Contact the three major credit bureaus directly to place a security freeze on your credit file.
  • Contacting the Federal Trade Commission and your state Attorney General to learn more about identity theft, fraud alerts, security freezes, and other steps you can take to protect yourself. The Federal Trade Commission can be reached at: 600 Pennsylvania Avenue NW, Washington, D.C. 20580, www.identitytheft.gov, 1-877-ID-THEFT (1-877-438-4338).
  • Reporting incidents of suspected or actual identity theft or fraud to law enforcement, the Federal Trade Commission, and your state Attorney General.


8.  What is a Fraud Alert?
An initial fraud alert is a one-year alert that is placed on a consumer’s credit file at no cost to the consumer. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting seven years. 

Experian TransUnion Equifax

P.O. Box 9554

Allen, TX 75013

1-888-397-3742

www.experian.com/help

P.O. Box 2000

Chester, PA 19016

1-800-916-8800

P.O. Box 105069

Atlanta, GA 30348-5069

1-888-298-0045

www.equifax.com/personal/credit-report-services
9.  What is a Security Freeze?

A security freeze will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, you cannot be charged to place or lift a security freeze on your credit report.


Experian TransUnion Equifax

P.O. Box 9554

Allen, TX 75013

1-888-397-3742

www.experian.com/help

P.O. Box 2000

Chester, PA 19016

1-800-916-8800

P.O. Box 105069

Atlanta, GA 30348-5069

1-888-298-0045

www.equifax.com/personal/credit-report-services

10.  Should I check my credit report?

Artisans’ Bank encourages you to monitor your credit report regardless of whether your information was impacted, or you think you may be a victim of identity theft or fraud. Every U.S. consumer over the age of eighteen can receive one free credit report every twelve months by contacting one of the three national credit bureaus or through the Annual Credit Report Service by visiting www.annualcreditreport.com or calling toll-free, 1-877-322-8228.


11.  What protection is Artisans’ Bank offering to affected individuals?

Artisans’ Bank is offering complimentary credit monitoring services by VENDOR at no cost to those affected.

 

12.  I would like to enroll to receive credit monitoring services. How do I do so?

Credit monitoring enrollment instructions are included in the letter you received providing notice of this incident. If you are having difficulty enrolling, I can assist you.


13.  I think I may be a victim of identity theft. What should I do?

If you believe you are a victim of attempted or actual identity theft or fraud, you may take the following steps:


    • Contact appropriate financial institutions to protect or close any accounts that have been tampered with or opened fraudulently.
    • Contact the credit reporting agencies to place a “fraud alert” or “security freeze” on your credit reports.
    • File a police report and ask for a copy for your records.
    • File a complaint with the Federal Trade Commission.
    • File a complaint with your state Attorney General.
    • Keep good records.
      • Keep notes of anyone you talk to regarding this incident, what he/she told you, and the date of the conversation;
      • Keep originals of all correspondence and forms relating to the suspicious or fraudulent activity, identity theft, or fraud; and,
      • Retain originals of supporting documentation, such as police reports and letters to and from creditors. When requested to produce supporting documentation, send copies.
    • Keep old files, even if you believe the problem is resolved.

 

14.  I work with the media, and I am trying to get more information. How do I do so?

Please provide me with your name and contact information, and I will have someone reach out to you directly.


15.  I work with law enforcement, and I am trying to get more information. How do I do so?

Please provide me with your name, the agency you are with, and your contact information, and I will have someone reach out to you directly.


16.  I lost my letter. Can you provide me my activation code?

 Please provide your name and address, and we will confirm your individual monitoring code and enrollment information.


17.  I have received a mailing that is not addressed to me. / The person this is addressed to no longer lives at this address.

If you did not open the letter, please write “NO LONGER AT THIS ADDRESS, RETURN TO SENDER” on the outside of the front of the envelope without covering the return address; then put it back in the mail. If you opened the letter, please send the letter to the return address located on the letter.

 
18.  The letter was sent to a deceased individual. Do I need to do anything?

 

We encourage you to remain vigilant, to review your loved one’s account statements regularly, and to monitor your loved one’s credit reports for suspicious activity. In addition, there are steps you can take to protect your loved one’s credit file. Under U.S. law you are entitled to one free credit report annually from each of the three major credit reporting bureaus so long as you verify your authorization to make such a request on behalf of your loved one. To order this free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. You may also contact the three major credit bureaus directly to request a free copy of this credit report. We recommend contacting the three credit reporting agencies listed below to discuss your particular situation and obtain specific guidance. Once you establish a relationship with the credit reporting agency and verify your authorization to make a request on behalf of your loved one, you can request a copy of your loved one’s credit report. A review of the credit report will let you know of any active credit accounts that still need to be closed or any pending collection notices. Be sure to ask for all contact information on accounts currently open in your loved one’s name (credit granters, collection agencies, etc.) so that you can follow through with these entities.


You may also request, in writing, that the report list the following alert:


“Deceased. Do not issue credit. If an application is made for credit, notify the following person(s) immediately: (list yourself, and/or another authorized relative, and/or executor/trustee of the estate—noting the relationship of any individual listed to your family member—and/or a law enforcement agency).”

 In most cases, this flag will prevent the opening of new credit accounts in your loved one’s name.  Contact for the three major credit bureaus is as follows:


Experian
TransUnion Equifax

P.O. Box 9554

Allen, TX 75013

1-888-397-3742

www.experian.com

P.O. Box 2000

Chester, PA 19016

1-800-916-8800

P.O. Box 105069

Atlanta, GA 30348-5069

1-888-298-0045

www.equifax.com

You can further educate yourself regarding identity theft, fraud alerts, security freezes, and the steps you can take to protect your loved one’s identity, by contacting the Federal Trade Commission or your state Attorney General. The Federal Trade Commission (FTC) encourages those who discover that personal information has been misused to file a complaint with them. To file a complaint with the FTC, or to obtain additional information on identity theft and the steps that can be taken to avoid identity theft, the FTC can be reached at: 600 Pennsylvania Avenue NW, Washington, D.C. 20580, or at www.ftc.gov/idtheft, or (877) ID-THEFT (877-438-4338); TTY: (866) 653-4261.

 

19.  Is this a scam?

 No. If your information was identified as potentially affected during the investigation into this incident, Artisans’ Bank mailed a letter to you. The letter is legitimate and contains background information on the incident and the resources and services available to you. If you did not receive a letter, but believe you may be impacted, please contact us with your name and address and we will confirm whether you were impacted by this incident.




For more information, contact us at
302-658-6881 or stop by any of our Branch Locations.
 
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