What is an identity theft incident?

An identity theft incident occurs when an unauthorized person uses your personal information to commit fraud. Your personal information includes your name in combination with your Social Security number, account numbers, date of birth, address, email address and state or federal issued ID such as a driver's license or passport. Types of identity theft may include account fraud, credit/debit card fraud, tax fraud, employment fraud, government documents and benefits fraud, medical fraud, and more.

How do I know if I have been a victim of identity theft?

If you see unfamiliar transactions on your credit card or bank account, you receive statements in the mail from a creditor you don't recognize, or you find notations on your credit file for debts you did not incur, you may be a victim of identity theft. If you suspect that someone might be using your identity information it's always wise to check it out. If it's a false alarm it will give you peace of mind knowing that your identity is secure. As a covered account holder you can take advantage of our team of professional fraud investigators standing by to help. You should also make sure to register to activate the included entitlement to monitoring services to be alerted to suspicious activity.

Do I need to be able to prove I am a victim of identity theft to be eligible for Recovery services?

No, if you are a covered account holder and you suspect identity theft for any reason, a professional Privacy Advocate is available to you by calling 1-800-357-6392 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central. The Privacy Advocate can help to determine if you are a victim of identity theft and if you are not, they can put your mind at ease.

How do I contact a Privacy Advocate if I suspect identity theft?

A professional Privacy Advocate is available by calling 1-800-357-6392 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central.

What services are available only to me?

You are eligible for all of the nxg|PROTECT services, both identity recovery services and monitoring services. As a reminder the monitoring services include one bureau credit monitoring, monthly credit score, an annual credit report, and dark web monitoring. You may activate your entitlement at any time by using your unique Member ID.

What services extend to family members?

The Fully Managed Identity Theft Recovery and the Identity Theft Expense Reimbursement Insurance extend to each account holder’s qualified family members if they suspect identity theft. This includes your spouse or domestic partner, dependents with the same permanent address, and any other IRS dependents and parents living in the household or in elder care.

How do my qualified family members get access to Fully Managed Identity Theft Recovery services?

You should call a Privacy Advocate at 800-357-6392 and have your qualified family member on the phone with you or standing by. Explain that you have a family member needing the recovery services. The Privacy Advocate will need to verify your primary membership before beginning the recovery process with your family member.

Does the Identity Theft Expense Reimbursement Insurance pay for funds stolen in an identity theft event?

No, the Identity Theft Insurance reimburses for expenses incurred in recovering from identity theft, but not the losses from the theft itself. However, the Privacy Advocate will assist in documenting fraudulent transactions and obtaining refunds for funds stolen.

How do I file an identity theft expense reimbursement insurance claim?

Your Privacy Advocate will work on your behalf to file your claim. To access the Fully Managed Identity Theft Recovery and Identity Theft Expense Reimbursement Insurance you can call 1-800-357-6392.

When do my benefits begin? When do they end?

Your benefits begin when you open your eligible account, and they end when you close your account. As a named account holder, you may choose to activate your entitlement to the nxg|PROTECT Monitoring Services at any time.

Why do I need to register to activate the Entitlement to nxg|PROTECT Monitoring Services?

These services are not activated ahead of time to protect your privacy. There is no requirement for you to use this entitlement however, we encourage you to register for these monitoring services to best protect your identity. Whether you choose to register for the monitoring services or not, the other services included with your covered account - including Fully Managed Identity Theft Recovery and Identity Theft Expense Reimbursement Insurance - will still continue to be available to you.

How do I register to activate the Entitlement to nxg|PROTECT Monitoring Services?

You will receive activation instructions from your Program Sponsor that will provide you with a unique special-use “Member ID” number and further instructions to activate your nxg|PROTECT Monitoring Services online.

How long does the activation process take?

The activation process takes about 5 minutes or less, and if you need any help you can call 1-800-357-6392. Following the registration process, you will have the opportunity to complete an identity authentication step to fully activate all of your services. Authentication of your identity is required in order for you to view credit alert details and provide access to your credit report and score. You can complete identity authentication at any time following the registration process.

What information will I need to enter in order to activate the Entitlement to nxg|PROTECT Monitoring Services?

You will need to confirm your name and address and provide your Social Security number and date of birth. You will also need to either confirm or provide either an email address or a mobile phone number to receive alerts. Your monitoring will begin based on this small amount of information and will extend to other personal information and credentials that you choose to add. In order to access your credit services, including activating credit monitoring, you will need to complete identity authentication by answering questions taken from your credit report data to validate your identity.

If I can't get online can I still activate my Entitlement to nxg|PROTECT Monitoring Services?

If you are not able to go online to activate your monitoring services, we are able to take you through the account activation process by telephone to initiate monitoring on your behalf. However, to receive alerts you will need to provide either an email address or you can provide a mobile phone number that can accept SMS text alerts. To activate your entitlement through this method, please call 1-800-357-6392 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central.

How do I request my credit report?

From the Credit Monitoring tab in your account you can request your TransUnion^® credit report once every 12 months. You will be asked authentication questions to verify your identity before the report can be viewed.

Why should I request a credit freeze?

Placing a credit freeze makes it impossible for lenders and other creditors to access your credit reports and can be an excellent tool to combat identity theft. It’s free to do and the most effective way to prevent fraudulent accounts from being opened in your name. If you are going to freeze your credit, doing so with all three bureaus is a must, because certain lenders only check one or two of your three credit reports. Please call our Privacy Advocates at 1-800-357-6392 for assistance.

Can I cancel the nxg|PROTECT Monitoring Services?

Yes - since these services are included with your checking account, contact your Program Sponsor to discuss your options.

I received an alert, what do I do?

If you receive a monitoring alert you can go online and login to your nxg|PROTECT account to see additional details about the alert on your dashboard, or call one of our Privacy Advocates at 1-800-357-6392.

I lost my wallet/debit card, what do I do?

If you have registered your credentials for Dark Web Monitoring, you can use the information to quickly notify issuers of lost credentials, or just simply call a Privacy Advocate directly to get personalized help to replace the credential documents that may have been in your wallet. The Privacy Advocate can advise you on steps you can take to protect your identity based on the information that is lost.

What do I do if I forgot my special-use Member ID and/or password?

To retrieve your Member ID used for registering for the nxg|PROTECT services call 1-800-357-6392. To recover your password go to the nxg|PROTECT account login page and follow the Forgot Password process.

Do I need to be a U.S. Resident to utilize the nxg|PROTECT Monitoring Services?

If you are not a resident of the United States some services may not be available or may be limited.

If you are a U.S. citizen living in the U.S. and owning a Social Security number you may take full advantage of the Recovery and Monitoring Services. A U.S. citizen who is visiting outside of the U.S. or living outside of the U.S. may utilize the Recovery Services; however, the Recovery Services are performed only with agencies and institutions in the United States, or territories where U.S. law applies.

If you are not a U.S. citizen living in the U.S. you may utilize the Recovery Services; however, without a Social Security number you will not be able to activate the credit services, specifically Credit Report, Credit Score and Credit Monitoring.

Why did I receive more than one notice of these services?

If you have more than one covered account you should have received more than one entitlement notification, each with a unique special-use "MemberID". You may allow another trusted family member to register for the proactive monitoring services using the additional Member ID.

Here’s how it works in three easy steps:

1. Create a second nxg|PROTECT account using YOUR information. Access the nxg|PROTECT website and enter your second Member ID. Follow the prompts to enter your Social Security number and Date of Birth. You will also be asked to enter your address, establish a username and password, and enter your email address during this account verification process. Once this step is complete and your account is active, you will click “Log In” to go directly to your Dashboard.

2. Next, convert the nxg|PROTECT account to your FAMILY MEMBER. On the dashboard, click on your name in the upper right corner and select “Account Settings”. There you will edit/change all YOUR personal information shown to the personal information of your family member including their name, address, email, phone, Social Security number and date of birth. Don’t forget to SAVE your changes. The family member may also change the username and password to their own on this page.

3. Your Family Member will only see their information, and not yours. That’s it! ONCE THE ACCOUNT IS IN THE FAMILY MEMBER’S NAME then the family member should go to the Monitoring tab and complete Authentication to gain access to their credit report and score.

I'm receiving emails from Allstate Identity Protection (customercare@aip.com). Why are they emailing me and why is this Member ID different from my Credit Union Member Number?

NXG Strategies has partnered with your financial institution to provide access to multiple monitoring services through nxg|PROTECT. Many times you will receive important communications about the benefits such as your identity health status and monitoring alerts. These emails will come from customercare@aip.com. AIP is Allstate Identity Protection, the provider of your credit services. The Member ID referenced on these emails is not the Member Number associated with your credit union membership. It is a unique Member ID provided to you by your financial institution to activate the services and to be used as a reference number in the event you need to contact a Privacy Advocate.

Who is NXG?

Your group sponsor has teamed up with nxg|PROTECT, one of the nation's leading identity theft services that provides benefits for hundreds of financial institutions across the country and covers millions of consumers. NXG has a 16-year track record of exceptional customer service and always puts security first in the protection of customer information. If you would like more information about nxg|PROTECT, please contact your group sponsor to provide additional background on the company and their services.