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At First Investors, we recognize the sensitive nature of your financial information and take appropriate precautions to
protect your privacy. We are committed to the security of your account and personal information and want to keep your
account safe from unauthorized access. To that end, we maintain an information safeguards program. As part of these programs,
we have implemented a Security Plan to Protect Customer Information that contains our policies, procedures, safeguards and
internal controls designed to:
protect customer information from misuse or unauthorized access,
ensure the proper disposal of customer information, and
allow compliance with applicable local, state and federal laws and regulations pertaining to safeguarding and proper disposal of customer information.
As part of our commitment, we want to help you protect yourself from fraud and identity theft. Please be advised that we promptly investigate any reported suspicious activity.
Therefore, please contact us immediately as indicated below if you suspect fraud or identity theft or if you notice any suspicious activity involving your First Investors account.
Also, please be aware of the following:
Debt Reduction or Loan Modification Companies
First Investors does not maintain relationships with debt reduction or loan modification companies.
These companies often falsely promise financially distressed consumers that that they are able to reduce their loan payments or
interest rate. These companies also often charge up-front fees for their services. If you are experiencing financial difficulties,
please contact First Investors directly to discuss your specific situation to see what options may exist. Never pay a loan
modification company for the purpose of modifying your account with First Investors and never believe them
if they tell you that they have a relationship with us or guarantee results.
Advance Fee Loan Scams
In these scams, the consumer is often told that the loan is “guaranteed” or “no credit
check” is required, but an advance fee is required. Many of the individuals and
companies operating this scam do business over the internet or telephone. Sometimes
the individual or company may claim to be calling from or on behalf of a legitimate
company and may even disguise their caller identification or email to appear to be from
the legitimate company. First Investors does not guarantee loan approval and will never
ask for or require an up-front fee. Any fees charged by us will be disclosed to you and
only paid at the time of funding after the loan application is approved. If someone
contacts you claiming to be from First Investors and requests an upfront fee, do not
make the payment and notify us via telephone at
or email at
Awareness of these fraud scams is the best protection
is a scam to deceive users into providing sensitive information such as
credit/debit card numbers, PINs, account number, User IDs and Passwords for online
banking, and Social Security numbers. These are usually presented to the user via
email with a sense of urgency in order to get the recipient to respond quickly. The
recipient is asked to respond with the requested information or by accessing a link
provided in the email.
is a more specific form of Phishing where the sender may already have
some details such as an account number in order to make the email look more
authentic. Or it may target employees of a particular organization to make it appear
someone else with the organization sent the email. These emails may appear to be
is an even more personalized form of Phishing where individuals collect
extensive information on executives or other key members of a company using various
social engineering techniques. Most of these emails attempt to deceive the recipient into
clicking a link or attachment within the email which would then install malicious
or Voice Phishing termed “vishing” attempts to deceive users into divulging
sensitive information over the phone, typically through automated customer service
lines and Voice over IP services. Recipients may receive an email or text message that
instructs them to call a number regarding a problem with their account. Once the
targeted person (potential victim) calls that number, the automated service or
perpetrators will ask the person to provide sensitive data such as their account number,
social security number, date and dollar amount of their last deposit/withdrawal, etc.
is the act of manipulating people into performing actions or
divulging confidential information usually through telephone or online communication.
The term applies to trickery or deception for the purpose of information gathering, fraud,
or computer access; in most cases the attacker never comes face-to-face with the
is a form of social engineering. It is a scheme associated with identity
theft in which a fraudster, pretending to represent a legitimate person or entity, calls an
unsuspecting party seeking personal identification data, such as social security
numbers, passwords, account information, account activity, last deposit/withdrawal
Remember, sensitive information should NEVER be provided via telephone,
unless you are the party who initiated the contact or know exactly with whom you are
communicating. Remember, legitimate businesses with which you maintain a relationship
already have all the information they need about you.
Do you know the email address, phone number, or short code? Don’t respond to
messages from a sender you don’t recognize.
If you receive an unexpected request to unblock your account, update your information,
or verify your identity, don’t click on any links or respond.
Are there spelling or grammar mistakes in the message? Does it contain unusual
formatting, such as text in call caps, ID numbers, or punctuation like exclamation
points? It may be a scam, so don’t respond.
First Investors may contact you by email, text, or phone regarding your account. When
we contact you, we will not ask for confidential information such as your Social Security
Number, date of birth, or bank account information. If you are uncomfortable about a
request for information, do not respond and instead call us using a telephone number
that you know is ours (e.g., on your servicing statement) prior to responding to it.
We recommend that you take the following precautions to guard against the unauthorized use of your information:
Properly dispose of documents and paperwork containing sensitive information (e.g., financial documents) by shredding them and never place the unshredded documents in your garbage.
Protect your Social Security number by not carrying your Social Security card in your wallet and by disclosing it only if absolutely necessary.
Do not give out sensitive information on the telephone, through the mail, or over the Internet unless you initiated the contact and know exactly with whom you are dealing.
Never click on links sent in unsolicited e-mails and use up-to-date firewalls, anti-spyware, and anti-virus software to protect your home computer.
Do not use an obvious password like your birth date, your mother’s maiden name, or the last four digits of your Social Security number.
Keep your sensitive information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
Detect suspicious activity by routinely monitoring your financial accounts and billing statements.
Report any suspicious activity to the appropriate parties (e.g., your financial institution and law enforcement) immediately.
Also, please read the Identity Theft Brochure
designed to assist consumers in preventing and resolving identity theft.
If you believe that you have been a victim of identity theft, then we recommend that you notify any one of the nationwide consumer reporting companies
to place a fraud alert on your credit report and your local police or the police in the community where the identity theft took place. You may also want
to visit the Federal Trade Commission’s Identity Theft Web Site via the following link:
Contact Us - To report a suspicious e-mail or telephone call that purports to be from First Investors or that uses First Investors’ name, please contact
us toll-free immediately at 1-800-249-6305. Also, please forward any suspicious e-mails to us at
Alert a Consumer Reporting Company with Your Concerns - If you suspect that you might be a victim of identity theft, contact the three major credit bureaus
listed below to place a fraud alert on your credit file: