Questions tagged [identity-theft]

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5
votes
3answers
962 views

Stolen Check honored by bank (maybe after being cancelled). What should I do?

My daughter's checkbook was stolen last Saturday, she reported it to the bank Monday morning 10am and told them to cancel all the checks. She told the police earlier. We're in the USA. Her account ...
4
votes
2answers
119 views

What should I include on a security checklist for choosing a Tax Preparer

I am considering an in-person Tax Preparer vs doing it myself online. I feel a little safer doing it online, but an in-person Preparer can offer advice for complex Tax situations. My concern is that ...
0
votes
1answer
187 views

how can I see what money is coming in in my name

I think that I someone is pretending to be me an is collecting money that should go to me ( disability insurance claims game winnings etc.) but none of these things are reported due to lack of proof ...
-4
votes
2answers
133 views

So what if I lose my SSN?

Let's say my social security number is "stolen", but I never need to take out new debt and don't use my credit score, have no intention of collecting social security as part of my retirement plan, and ...
-1
votes
1answer
680 views

I called and verified my identification but the gentleman never gave me a IP PIN so I can't file without it. Can't use the online tool to get it

Can someone help me out here. I called and verified my identification but the gentleman never gave me a IP PIN so I can't file without it. He said my return for 2018 should come in May but I still ...
11
votes
4answers
6k views

How can I protect myself from a scammer who has my information?

I was scammed by someone who had stolen another sugar daddy’s identity and pretended to be him and offered to spoil me. Long story short, they were able to have my name, school ID, phone number, ...
0
votes
0answers
50 views

Gave a scammer my full name, address, and email [duplicate]

I am usually very good about realizing a scam but this one got me. I had put a listing on poshmark and received a message back about someone wanting to buy it to please email them to their personnal ...
3
votes
0answers
103 views

Life insurance documents sent to wrong e-mail address. What are my options?

Some time ago I applied for life insurance online, and to my utmost incredulity (it never happened since I started using the Internet) apparently I misspelled my own e-mail address. A host of ...
15
votes
3answers
3k views

Are there any dangers in publicly sharing my personal finance data?

I wanted to blog about my financial status and was curious if somebody ever did that and couldn't find anything on google. So the idea is to share on a monthly basis what I have on my bank account ...
2
votes
2answers
88 views

Credit bureau - Credit freeze vs Fraud Alert

I suspect my passport information along with other personal information was leaked on a website. I have already setup Credit Freeze, would Fraud Alert be also necessary? What are the benefits and ...
5
votes
3answers
1k views

Do I need multiple credit monitoring services?

I currently have credit monitoring through Experian and I pay extra for it to monitor all three credit bureaus. In light of the recent Equifax breach and Equifax offering credit monitoring for those ...
7
votes
2answers
287 views

Credit Freeze for Minor Child

I was told that identity theft of a minor's credit is a very sought after goal for thieves. Is it true that credit agencies will offer lines of credit to individuals who are not yet 18? Is there any ...
2
votes
1answer
88 views

Domestic US wire - do they get my account details

If I send a domestic US wire from my bank to another US bank, does the person on the other end get my account number details? I understand that the receiving bank may get my account number details. ...
30
votes
7answers
17k views

Private Bank requesting user name and password to verify identity before sending money to acct

I have been asked to provide my user name and password, so my fiance' can have his bank, Macoto, verify my identity, before they will send the funds. Does this sound right? I figure if he gives the ok,...
0
votes
2answers
84 views

paperwork application to open new financial accounts - identity theft security risk?

I opened a bank account and a brokerage account using traditional paperwork forms I was provided with at the financial institution where I opened these accounts. That got me a bit worried as the ...
1
vote
1answer
182 views

What do I do if someone forges my check

Someone recently forged my signature and used that to withdraw money from my account. I already called the bank (Chase) and they put a restriction on that account and open a new account for me. They ...
23
votes
4answers
7k views

Do businesses save their customers' credit card information until the payment is finalized?

Paying by credit card is sometimes a multi-step process. In some of those cases, only the initial authorization is made at the point of sale; the finalized transactions are usually entered as a batch ...
7
votes
2answers
365 views

Equifax class action settlement—opt-in or opt-out?

I'm trying to figure out whether it's better to include or exclude oneself from the Equifax class action settlement. I've been torn on the issue, for reasons I'll explain below. Note to readers: ...
2
votes
1answer
174 views

Equifax data breach and correct credit monitoring service for $125

for the Equifax Data Breach , there is $125 being paid for people affected , previously one only needed to choose and the cash portion or the credit monitoring by Equifax. As most of the people has ...
0
votes
1answer
613 views

I accidentally gave out my name, home address, email address, phone number, and my DOB [duplicate]

Will anything go wrong??? I'm so scared... I can't even sleep anymore.. It was a phone call telling me about some kind of benefit I gave out my name, address, phone number, DOB, and email address and ...
28
votes
4answers
12k views

My credit card was unexpectedly charged 1$, the merchant wants my SSN and personal data to tell me why, do I risk identity theft?

I received a phone message from my credit union's fraud detection department about a transaction for $1 that raised a flag. I called them back and was given the information recorded with the ...
6
votes
1answer
531 views

Strange withdrawal from checking account

I got a notice that there was an ACH withdrawal yesterday from my checking account of $225.38 by OPENSKY PHONE PMT. I'd never heard of OpenSky before and I'm not sure what a "phone pmt" is. I called ...
20
votes
2answers
92k views

I gave a scammer my telephone number, address, and name. How bad is it?

Updated question because old one was embarassing: I saw a spam email from "PayPal" and I didn't realize that it was a phishing attempt. I gave the phishing site my name, telephone number, and email. ...
1
vote
1answer
74 views

Are there negative consequences to having multiple credit monitoring services?

I already have one credit monitoring service that I am not paying for due to a security breach somewhere many years ago. I am not 100% sure but I think it expires/ends in a few years. My data was ...
0
votes
3answers
160 views

Why are free credit reports available only once per year?

Consumers have access to a free annual credit report from each of Equifax, Transunion, and Experian thanks to the Fair and Accurate Credit Transactions Act passed in 2003. However, this may be too ...
7
votes
2answers
218 views

How to monitor for identity theft of minor child

It's important to monitor your own credit for signs of identity theft and for errors, because recovery can be time consuming and expensive. What steps should parents take to monitor their minor ...
36
votes
20answers
16k views

How to safely destroy (a large quantity of) valid checks?

A while ago I had my bank issue me new checks due to a change of name (I got married). However I still have many hundreds of checks with the out of date info (they're an online bank and issue about ...
4
votes
1answer
249 views

Vehicle has been broken into. Missing registration, insurance cards

My parents are currently out of town and they have left their vehicle parked on my block. We just discovered that the vehicle has been broken into. Aside from a few personal items, thieves have also ...
19
votes
5answers
716 views

What strategies could be employed so as to avoid identity theft and credit card frauds?

Other than getting a credit card with a minimal limit and using it exclusively for online purchases, what other strategies could be employed so as to avoid identity theft and credit card frauds?
3
votes
1answer
1k views

How to get access to US credit report while living outside USA?

I lived in United States for over eight years late 2000/early 2010s. For some reasons I think my identity has been stolen in the US, so I would like to check my credit report. However, I have moved ...
19
votes
4answers
6k views

If I have given my bank details to someone by email what should I do now? [duplicate]

I have given someone my bank account details including my home address and phone number by email, supposedly so that money can be transferred into my account. I am now quite sure this is a scam. ...
5
votes
1answer
998 views

How are brokerage accounts protected from theft, computer glitches and fraud?

I'm thinking about investing in stocks, but I'm worried about losing my investments for reasons unrelated to changes in the market. I know that brokerage accounts are not FDIC-insured. What if a ...
1
vote
3answers
421 views

Checks stolen and rewritten, how?

This situation happened with my grandmother a few days ago. Even though older people are forgetful I do not believe my grandmother has misremembered this situation or confused herself. She wrote a $...
2
votes
2answers
4k views

How could identity thieves open accounts or get loans in my name?

Let's say someone has a hold of all the information Equifax had about me. I'm trying to understand how some of the things people say could go wrong could actually happen: They could supposedly open ...
1
vote
1answer
128 views

Free Credit Report — Checking for identity theft

I'm about to request my free annual credit report. I've never requested one before, but I noticed something suspicious with my FICO score lately in my Discover Card app and want to look into my credit ...
1
vote
0answers
80 views

Photocopies of vital records

How concerned should I be about private companies maintaining photocopies of vital records like birth certificates and social security cards? While he is not applying for subsidized housing, my son ...
12
votes
1answer
304 views

Should I dispute fraudulent hard inquiries on my credit report?

A store credit card was opened fraudulently in my name, and I am going through the process of disputing and having it removed from credit reports. Within a few days of that account being opened, ...
0
votes
1answer
274 views

Credit card cloned and money taken (UK)

My mum recently learned she had been charged for a use of her card to pay £28 at a pub in Nottinghamshire. Since she has never been to Nottinghamshire, it must have been her card details were stolen. ...
2
votes
2answers
4k views

Please help: Is it safe to give this personal and banking information to someone? [closed]

Is it safe to give this information to someone? Name of Account Holder: Name of Bank: Bank Account Number: Address of the Bank Branch: Bank Swift Code: Phone Number of ...
1
vote
0answers
207 views

Gave my full name, age, office address and mobile number to a probable scammer [duplicate]

What's the worst that can happen if I have given my name, office address, age and mobile number to a person who was most probably a scammer? I'm still not sure, it was scam, because emails were very ...
0
votes
1answer
223 views

What's the likelihood of identity theft? Why doesn't it happen more often?

The recent Equifax breach causes me to think about how easy identity theft seems to be. A lot of my information is already (semi-)public: Name Date of birth (friends know, also available on Facebook ...
1
vote
2answers
182 views

How can I check if any accounts were recently opened in my name

Someone just tried to open a Paypal credit account in my name. I was able to get the account closed and the charges revoked, but now I need to make sure there is nothing else out there. How can I ...
6
votes
2answers
6k views

Credit freeze in UK

I've read a lot that in US people can protect themselves from identity theft by applying credit freeze on their credit history, is there similar option in UK?
1
vote
0answers
50 views

Credit Freeze - optimal option for a person on student visa in US?

I am an international student who recently moved to the US for studies. I have been reading up on identity theft and credit freezes/fraud alerts. After getting a primary credit card (to build up some ...
12
votes
4answers
833 views

How should I protect myself from the Equifax breach without making my own life much harder?

The FTC recommends those who may be impacted by the Equifax data breach do the following: Check credit reports at annualcreditreport.com. Enroll in the 1 year of free credit monitoring provided by ...
13
votes
1answer
2k views

What happens if an identity thief files a fraudulent return for you, but you owe taxes?

For taxes this year I'm going to owe the IRS, not get a refund, and I won't have any W-2 (although my wife will). So I'm curious what would happen if someone used this Equifax breach to file my tax ...
32
votes
3answers
5k views

How do you file taxes earlier than an identity thief?

One of the recommendations to avoid tax return fraud/identity theft is to file your taxes as early as possible: FTC Smart Money Identity Theft Resource Center USA Today Notably, the IRS does not ...
9
votes
2answers
413 views

What can a customer do to reduce damage from a data breach?

A larger retailer admitted recently that hackers were able to steal credit and debit card data for about 40 million customers. Reports say that names, payment card numbers, expiration dates and ...
12
votes
5answers
531 views

What should I be doing to protect myself from identity theft?

You see ads all over the place for services that purport to protect you from identity theft, but my gut tells me that most of these are at best marginally effective and at worst outright scams. Are ...
6
votes
3answers
193 views

Is there a surefire way to prevent anyone from opening a line of credit in my name?

With this Equifax thing going down, I wonder: What steps can I take to prevent anyone from opening a line of credit in my name? Is there any surefire way to stop this?