Q: Is FraudArmor the same as insurance?
No, FraudArmor provides services to assist you in recovering from
identity fraud, including making claims to financial institutions
and other entities for reimbursement of funds lost due to fraud.
FraudArmor advances funds on qualified losses while we work with
your financial institution to reimburse the lost funds.
Q: Does FraudArmor apply to both personal and business checks?
Yes, benefits are available for those checks for which the program
was purchased at the time of the check order.
Q: How does FraudArmor protect me from the effects of fraud?
FraudArmor will provide a Resolution Specialist to assist you with
the effects of fraudulent transactions that might impact your
account balance due to any type of identity fraud. FraudArmor also
provides proactive daily Internet Monitoring service for no
additional charge. The Internet Monitoring Service must be activated
online, at which point you may provide up to 13 personal credentials
you wish to be monitored. You are required to activate the service
online and to provide up to 13 of your personal credentials to
monitor. If we find suspicious activity relating to your provided
credentials on Black Market sites on the Internet, we will alert you
and you can determine if the information is indeed fraud. If so,
your personal Resolution Specialist will assess the problem and act
quickly. Your disputes will be filed within 24 hours of completion
of required documentation.
In addition, if you need to close your current checking account,
FraudArmor will supply you with replacement checks for your new
checking account free of charge. All checks in your order will
reflect the FraudArmor logo signifying your eligibility and a
warning to thieves.
Q: Who owns FraudArmor?
FraudArmor is fully owned by Harland Clarke Corp., a leading
manufacturer of printed check products. Harland Clarke utilizes
one-or more service providers to provide the services under
FraudArmor, as further described in the Terms and Conditions.
Q: If check fraud occurs on one or more of the checks for which I purchased FraudArmor, what do I do?
Step 1: Call 1-866-923-0452, 24 hours a day, 7 days a week to speak
with a FraudArmor representative. A Resolution Specialist will be
assigned to you and will be available Monday through Friday, 8:00 am
to 8:00 pm Eastern Time.
Step 2: Your Resolution Specialist will provide and help you
complete the paperwork needed to begin your fraud remediation.
For all other inquiries and billing questions, or to discontinue
service, please call the phone number found on your check reorder
form located in the check box. Please note: FraudArmor is billed as
a one-time fee with your order of checks.
Q: What is Fully Managed Recovery and who is eligible?
Fully managed means that in addition to advising customers on the
best procedures to help prevent fraud or to respond to a fraud
event, a Resolution Specialist can also act on behalf of customers
by obtaining an executed limited power of attorney form.
If you suspect you are the victim of identity fraud, you will be
assigned to a professional Resolution Specialist. Your Resolution
Specialist will:
-
Securely deliver, via overnight mail or electronically, the
required documentation to begin the Fully Managed Recovery
process.
-
Work under the authority of your Limited Power of Attorney to deal
directly with the Financial Institution and/or 3 credit bureaus.
-
Perform research and fraud remediation on your behalf, as needed,
until the fraud has been resolved.
-
Provide 12 months of regular follow-up and one-bureau credit
monitoring once the recovery case is completed/closed.
To learn more about the FraudArmor Recovery Services, visit the
Service Description page.
Q: What is Internet Monitoring Service and who is eligible?
FraudArmor's Internet Monitoring service is an optional service that
requires activation. There is no additional charge to you when you
activate the monitoring service. Internet monitoring provides an
early detection and warning system to detect when your personal or
business information is exposed on high risk areas of the Internet,
including black market sites. Easily register up to 16 of your
personal or business credentials to be monitored. The Services are
provided for one accountholder named on the checks to which the
Services are attached, or for business check orders, the Services
are provided for the business named on the check. Internet
monitoring is available for up to 12 months after your order has
shipped. To learn more about the FraudArmor Internet Monitoring
Service, visit the
Service Description page.
Q: What are Lost Document and Lost Wallet Replacement and who is eligible?
The Resolution Specialist will work with you to cancel and replace
credit cards and other documents such as licenses, passports,
personal bank accounts, and government issued documents, if they are
lost or stolen. The Services are provided for all accountholders
named on the checks to which the Services are attached, or for
business check orders, the Services are provided for an Owner or
Officer of the Company. To learn more about the FraudArmor Lost
Document and Lost Wallet Replacement service, visit the
Service Description page.
Q: What is Business Account Fraud Remediation and who is eligible?
Business fraud involves the fraudulent use of the Company's name,
address, tax identification number, bank account number, business
credit cards, business credit information, and other identifying
information. When this information is used, without the knowledge of
the Company's Owners or Officers, to commit fraud with the account
on which the FraudArmor checks were issued, a Resolution Specialist
will research and resolve the fraud on your behalf. The Services are
provided for the Company named on the checks. To learn more about
the FraudArmor Business Account Remediation service, visit the
Service Description page.