(A) Shortly following the notice of a change of address for a covered account, the municipality receives a request for new, additional, or replacement goods or services, or for the addition of authorized users on the account.
(B) A new revolving credit account is used in a manner commonly associated with known patterns of fraud patterns. For example, the customer fails to make the first payment or makes an initial payment but no subsequent payments.
(C) A covered account is used in a manner that is not consistent with established patterns of activity on the account. There is, for example:
(1) Nonpayment when there is no history of late or missed payments; and
(2) A material change in purchasing or usage patterns.
(D) A covered account that has been inactive for a reasonably lengthy period of time is used (taking into consideration the type of account, the expected pattern of usage and other relevant factors).
(E) Mail sent to the customer is returned repeatedly as undeliverable although transactions continue to be conducted in connection with the customer’s covered account.
(F) The municipality is notified that the customer is not receiving paper account statements.
(G) The municipality is notified of unauthorized charges or transactions in connection with a customer’s covered account.
(H) The municipality receives notice from customers, victims of identity theft, law enforcement authorities, or other persons regarding possible identity theft in connection with covered accounts held by the municipality.
(I) The municipality is notified by a customer, a victim of identity theft, a law enforcement authority, or any other person that it has opened a fraudulent account for a person engaged in identity theft.
(Res. 2009-041, passed 11-16-2009)