What Should I Do If My Identity Is Stolen
Notify all your banks and financial companies as soon as you realize your identity has been stolen or an account is at risk. If you bank with us, . Well work with you to help correct any unauthorized transactions in your Chase accounts, fix any incorrect information weve sent to the credit reporting agencies and help protect you from any future identity theft or account fraud.
We also urge you to take these steps immediately:
You can also check out these resources for more tips and information:
- U.S. Department of JusticeFraud Section site
Requirements for Requesting Credit Card Documentation
We realize you may be a victim of credit card identity theft and would like details from a credit card application or account business records. Before we can send you specific details from any application or business record, were required by the FACT Act of 2003 and our own identity protection policies to obtain the following information from you:
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What Can Someone Do When Your Ssn Has Been Stolen
Theres a reason your Social Security number is so private: when it comes to completing many important activities like opening a bank account, your SSN is treated as proof of your identity. If youre a victim of Social Security scams, then theres really no limit on the amount of financial fraud a thief can commit and youll be the one dealing with the consequences.
Here are a few things identity thieves can do by committing Social Security scams:
Consider An Identity Protection Service
You can register with an identity protection service such as LifeLock, IdentityForce, or Identity Guard. Such companies charge fees that typically start around $10 a month. Banks and credit unions also have packages they sell to customers, as do major agencies such as Experian and TransUnion. Many of the best credit monitoring services also offer identity protection tools and services.
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Beat The Latest Scams To Steal Your Identity And Social Security Benefits
The worlds thieves and scam artists constantly change their methods, and you have to keep up with them to protect yourself.
Not long ago the major scam involved IRS imposters demanding immediate payment over the phone using gift cards. The incidents of that scam are greatly reduced. The main scammers were traced to India, and law enforcement in India arrested many of the perpetrators at call centers.
A caller impersonating a Social Security employee says that the Social Security number of the person being called has been suspended due to fraudulent activity involving the number. The fake Social Security employee says the person being called needs to take immediate action to have the number reinstated.
Sometimes the call is less threatening. The caller says Social Securitys computers are down and the government needs to confirm the persons Social Security number to keep it from being suspended.
An alternative scam uses email to make the same claims. The recipient will be advised to click on a link in the email and follow the instructions on the web page it brings up.
The intent of these scams is to have you provide your Social Security number and other important information to the crooks. The Federal Trade Commission and Social Security Administration both have advised that Social Security wouldnt call or email people under either of these circumstances.
What To Do If You Think Someone Else Might Be Using Your Ssn
If you suspect someone is using your SSN, you should contact the Social Security Administration office in your area immediately. They will revise your earnings to see if someone else has reported earnings under your SSN. You can even view your Social Security Earnings Statement to check for yourself. You can request for the form SSA-7005 to be sent to you by calling: 1-800-772-1213. If it is determined that someone else has been using your SSN, you must inform the Federal Trade Commission at 1-877-IDTHEFT. They will provide you with the information you need about filing a social security theft report. You should also call the IRS Identity Protection Unit at 1-800-908-4490 and ask them to monitor your credit report periodically.
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What To Do If Someone Steals Your Ssn
If you become aware that someone has stolen your Social Security Number or have a suspicion, take these steps immediately. Its essential to act quickly to prevent any further harm.
The first step is to contact one of the credit-reporting agencies, TransUnion, Experian or Equifax. Heres how to contact the Big Three credit bureaus.
When you get someone on the lie, tell them you would like to place a credit freeze and a fraud alert on your credit file.
Putting a credit freeze on your file will block lenders from your credit report without your approval. The good thing is, its easy to unfreeze your account. Better safe than sorry.
The next step is to report the identity theft to the Social Security Administration and other government agencies.
The first you should contact is the Federal Trade Commission via identitytheft.gov. You can also file a police report with your local police department, which can assist you down the road.
The third step is to report your identity theft to the Internet Crime Complaint Center. Doing so will distribute your report to local, state and federal authorities and create an official report. This step is the most important when asking what to do if someone steals your SSN.
What Is An Identity Theft
Identity theft, also known as identity fraud, is a crime in which an imposter obtains key pieces of personally identifiable information to impersonate someone else.
There are a lot of ways identity theft can happen to you. Hackers may get your information from a data security breach. Or, you may unknowingly provide it on social media, during conversions others can hear or by leaving financial documents in unsafe places. That information may include:
- Social Security number
- Full name, address, and birthdate
- Car insurance or medical insurance account numbers
- Details that can tip off people to your account-recovery questions, such as your mother’s maiden name or your home town
With this information, criminals could imitate you, max out your credit cards, rent an apartment, steal your frequent-flyer miles, or act out several other bad-guy fantasies.
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How Much Can Identity Theft Impact Your Life
Given the pace the online world operates at, the sensitivities of users are continuously being exploited rapidly by cybercriminals. Identity theft has emerged as one of the most severe and familiar patterns of cybercrime.
Imagine the terrifying experience of having your identity stolen. The identity thief could wreck your life in several ways – from applying for a personal loan under your name to poaching your tax refunds or hacked Facebook account. Worryingly, in a digitally-connected world, the risk of identity theft is higher than ever. Anyone can become a victim of identity theft – from digitally-savvy professionals to kids that arent even of school-age yet to experienced retirees.
What Can Someone Do With My Social Security Number
Once your personal details have been discovered, thieves can either sell your identity to others or take advantage of services in your name. They can access medical care, file fraudulent tax returns, steal benefits, commit crimes, and open accounts in your name, all with your social security number.
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Report Identity Theft To Other Organizations
You can also report the theft to other organizations, such as:
Credit Reporting Agencies – Contact one of the three major credit reporting agencies to place a fraud alert or freeze on your credit report. Also get copies of your credit reports, to be sure that no one has already tried to get unauthorized credit accounts with your personal information. Confirm that the credit reporting agency will alert the other two credit reporting agencies.
National Long-Term Care Ombudsman Resource Center – Report cases of identity theft due to a stay in a nursing home or long-term care facility.
Financial Institutions – Contact the fraud department at your bank, credit card issuers and any other places where you have accounts.
Retailers and Other Companies – Report the crime to companies where the identity thief opened credit accounts or even applied for jobs.
State Attorney General Offices – Your state’s attorney general might offer tips, checklists, or an advocate to help you recover from identity theft. These resources don’t replace filing an ID theft report with the FTC.
You may need to get new personal records or identification cards if you’re the victim of ID theft. Learn how to replace your vital identification documents after identity theft.
Should You Contact Local Law Enforcement Directly
Although the IC3 will direct your complaint to the appropriate regulatory agencies, they encourage you to contact local law enforcement directly if you have a complaint that’s time-sensitive.
Some credit card companies won’t dismiss fraudulent charges until you’ve filed a police report. Therefore, taking the time to contact your local police department, in addition to the IC3, may be in your best interest.
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How Can Someone Steal Your Identity
Identity theft occurs when someone uses your personal information such as your name, social security number, or other identifying information, without your permission, to commit fraud or other crimes.
Be alert to possible identity theft if the notice or letter states that:
- more than one tax return for you was filed, or IRS records indicate you received wages from an employer unknown to you.
- If you receive a notice, contact the IRS either by phone or in writing as directed in that notice. IRS tax examiners will work with you and other agencies, such as the Social Security Administration, to help resolve the problem.
The IRS does not initiate taxpayer communications through e-mail.
- The IRS does not request detailed personal information through e-mail.
- The IRS does not send e-mails requesting your PIN numbers, passwords or similar access information for credit cards, banks or other financial accounts.
If you receive an e-mail from someone claiming to be the IRS or directing you to an IRS site,
- Do not reply.
Your Social Security Card
Whether youve lost your social security card or someone an acquaintance used the number, this is another common way that someone has obtained this information. Keeping your social security card safe, not keeping it in your wallet, and making sure that no one can get to it is another way to protect your identity.
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Leave Your Card At Home
Dont carry your Social Security card around with you in your wallet or purse. Dont enter your SSN into your phone, laptop, or other devices. It would be rare for you to need your card. Typically, reciting the number is all thats required. Keep the number in your head and the card locked up at home.
Things That Happen When Your Social Security Card Gets Stolen
Your Social Security card is an important document and if you need to get one, you will have to prove your identity using a few different documents. Your Social Security is very useful and it entitles you to certain benefits like Social Security and disability payments. You also need your card to apply for Medicare when you are ready to retire. This card is one of the most important cards that you can have if you are a citizen of the United States and you have to protect it from getting stolen. Read on to learn what to do if someone steals your Social Security card.
If you need to get a Social Security card, the first thing you have to do is prove your identity. Social Security fraud is rampant and there are lots of scammers around that will try to rip you off so you have to make sure that you follow all the rules so you dont have any problems. You dont want your identity to get stolen because if it gets stolen you could end up losing a lot of money because when thieves get your Social Security card they are going to take out loans in your name.
It is hard to catch Social Security theft early and before you know it you are getting calls from angry creditors that all want their money. Your credit score is going to go down which can cause you a lot of problems. If your credit score is bad you cant get a loan and you wont be able to buy a house or get a good rate on a car.
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The Statistics Behind Identity Thefts
Last year alone, over 14 billion identities were stolen from over 15 million consumers in the U.S. What is even more disquieting is that identity theft can have a grievous impact on other aspects of your life beyond the money in your bank account. As a consequence, it can damage your credit score, permanently affect your criminal history and even your medical records. The following list reveals the significant impact of identity thefts:
- Over the past six years, identity thieves have stolen over 96 billion
- 1 out of 4 never fully recover a stolen identity
- Social networkers have a 46% higher risk of account takeover fraud
- The global average cost per data breach incident rose to 3.5 million
- 28% of organizations say customer information or customer passwords are the information of the most significant value to cybercriminals
- 55% of businesses worldwide report an increase in online fraud-related losses between 2017 and 2018
- The 30-39 age group experiences the highest number of identity thefts
- E-commerce fraud increased by more than 30% in H1 2017 compared to H1 2016
- 60% of people consider public WiFi safe
- 52% of small businesses dont invest anything in cyber theft security
- Only 27% of identity theft victims contacted law enforcement about the theft
- Computer crime statistics show that 1 in 5 consumers believe that stealing information online is not as bad as taking a property in real life
Contact The Ftc About Your Social Security Number Theft
If you suspect that you’ve given your social security number to the wrong person – or if you have proof that someone else is using your social security number to open financial accounts without your permission – you should report it to the Federal Trade Commission at .
The FTC will ask you what kind of account the identity thieves have applied for in your name, then walk you everything that you need to do in order to regain control of them.
This process may involve:
- Getting in touch with the companies that hold fake accounts in your name, and asking them to close or freeze them
- Changing the login/PIN information for your accounts
- Putting a one-year fraud alert on your credit report
- Fighting bogus charges on your credit cards or debit card
- Obtaining a new credit report, so you can make sure that identity thieves haven’t opened any additional credit cards in your name
- Rehabilitating your credit score by letting all three major credit bureaus know about your social security number theft
If you don’t have access to a computer or prefer to use the phone, you can report social security number theft by calling the FTC at 1-877-IDTHEFT .
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They Can Use Your Ssn To Claim Your Social Security Check
Although you are regularly asked to use your SSN for identification, its primary purpose is linked to your Social Security benefits. The government keeps track of your earnings and your Social Security tax payments with your SSN, and you need it in order to claim Social Security retirement or disability benefits.
For example, if you are eligible for Social Security retirement benefits but have opted to wait until you reach full retirement age, a hacker with your SSN could apply for those benefits in your name. Because Social Security benefits are usually deposited directly into a bank account, you might not even discover this until you try to apply for benefits years down the road.
Pro tip: Its a good idea to check your Social Security account once or twice a year to make sure everything looks as it should. If you believe that a scammer is using your SSN to collect your Social Security benefits, call the Social Security Fraud Hotline at 800-269-0271.
Monitoring Your Social Security Number
Apart from protecting your Social Security number, there are two things you can do to monitor its use:
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