The City identifies the following red flags, in each of the listed categories:
A. Suspicious Documents:
1. Identification document or card that appears to be forged, altered or inauthentic;
2. Identification document or card on which a person's photograph or physical description is not consistent with the person presenting the document;
3. Other document with information that is not consistent with existing customer information (such as is a person's signature on a check appears forged); and
4. Application for service that appears to have been altered or forged.
B. Suspicious Personal Identifying Information:
1. Identifying information presented that is inconsistent with other information the customer provides (example: inconsistent birth dates);
2. Identifying information presented that is inconsistent with other sources of information (for instance, an address not matching an address on a credit report);
3. Identifying information presented that is the same information shown on other applications that were found to be fraudulent;
4. Identifying information presented that is consistent with fraudulent activity (such as an invalid phone number or fictitious billing address);
5. Social security number presented that is the same one given by another customer;
6. An address or phone number presented that is the same as that of another person;
7. A person fails to provide complete personal identifying information on an application when reminded to do so (however, by law social security numbers must not be required); and
8. A person's identifying information is not consistent with the information that is on file for the customer.
C. Suspicious Account Activity Or Unusual Use Of Account:
1. Change of address for an account followed by a request to change the account holder's name;
2. Payment stop on an otherwise consistently up to date account;
3. Account used in a way that is not consistent with prior use (example: very high activity);
4. Mail sent to the account holder is repeatedly returned as undeliverable;
5. Notice to the City that a customer is not receiving mail sent by the City;
6. Notice to the City that an account has unauthorized activity;
7. Breach in the City's computer system security; and
8. Unauthorized access to or use of customer's account information.
D. Alerts From Others: Notice to the City from a customer, identity theft victim, law enforcement or other person that is, has opened or is maintaining a fraudulent account for a person engaged in identity theft. (2019 Compilation)