- 1 What is a social security scam?
- 2 3 basic types of social security scam, phone calls, letters and emails
- 3 How to recognize a scam
- 4 How to deal with these situations
- 5 What to do if you receive social security scam phone call and letters.
- 6 Any information you can obtain will be helpful when you report this to the authorities.
There are different types of social security fraud and scams. But today I will talk about the scams against the retired folks receiving social security. In today’s world, the scammers are everywhere. We find them in our phones and our emails and snail mail.
A social security scam is when an impersonator of the federal government social security department attempts to get information about your social security. The information is used for identity theft, to steal your social security income or to get credit card information from you.
No matter how they accomplish the process, the end result is a nightmare for the elderly and retired population.
1. Phone calls
- the person calling you will impersonate a social security government employee. They may say you are entitled to an increase in your monthly social security and they need to verify your information or you to receive your first increase. They will request you to confirm your name, date of birth, social security number and bank account information. You just had your identity stolen, and they can access all of your data or use your information to change their identity.
- A person calls again impersonating a government employee and tells you there is a discrepancy in the information you have submitted to the social security office and they need to verify your name, birth date, social security number, and bank account information. Or they may tell you that the computers messed up and the information was not transmitted e the properly. They say you will not get your next check until you completed the process and it will expedite the process if you do it over the phone. You have the have this money, and because you are scared, it won’t come you give them the information.
Scammers can use many different ways to convince you on the phone to give them your information. Scamming you is what they do best and how they make their money. They steal your money.
2. Letters in the mail.
- You may receive a letter in the mail with the US social security government seal at the top. It looks legitimate with the seal. It may state that the government is suspending your social security due to misinformation. You need to follow the link on the letter to go online to give the correct information. Again, your social security is your, so you hurry to the computer, follow the link and fill in the report. You have been scammed, and the dishonest thieves now have your identity information.
- You may have received a letter with all the right logos that said you are going to get a cost of living increase. You are excited and without thinking you go directly to the computer and fill our all of the information.
- You receive an email with all of the right logos and symbols just like the social security office of the government. It has a link to click on to give the correct information for you to resume your social security. You click on the link and fill in your bank information, name, birth date, and social security, and you are well on your way to a nightmare. A living nightmare on retrieving your identity and recovering your money that stolen from your bank account.
We refer to emails requesting this type of information as a phishing scam. It is just like it sounds, the scammers are fishing for information.
It is not just a phone call and letters. Scammers will devise any way possible to deceive you to obtain your identity information.
How to recognize a scam
- Social security will not call you on the phone and ask for personal information
- Social security will not send you an email and ask for personal information
- Social security may send you a letter. (how to handle this further down)
- If you are pressured to give information now, it is a scam
- If it feels wrong, then it is wrong
How to deal with these situations
- Never ever, I mean NEVER EVER give out any personal information on the phone or in an email link.
- If you are asked for information on the phone hang up and go directly to the social security web site to see if it is legit. Social Administration [US]
- If you are asked in an email to click on a link, don’t do it. Go directly to the Social Administration [US] to your account to see if there are any messages and take care of it through that site.
- If you receive a letter that looks official, do not use the link in that letter. Always go to your account to log in.
- Set up a social security account online that you can go to to check out the validity of the claim.
- Gather all of the information you can about the call.
- The name if they give you one
- The phone number on your caller ID
- What kind of information did the caller ask for
- The time of day and the date
- Any other information such as background noise and the nationality of the caller
Report all scam attempts to the Inspector General’s Office online or phone, fax, or mail
- Inspector General’s Office online , if you are not comfortable clicking on this link go directly to the Inspector Generals Office on google.
- Telephone: 1-800-269-0271 from 10 a.m. to 4 p.m. Eastern Standard Time
- FAX: 410-597-0118
- U.S. Mail: Social Security Fraud Hotline
P.O. Box 17785
Baltimore, Maryland 21235
Remember the saying, “If it doesn’t feel right then it isn’t right. Be safe and never ever give information over the phone or click a link in an email. Go directly to the social security government office to check out the situation.
Your identity and your social security income belong to you and no one else. Hang onto it.
Please share this information with your parents and grandparents. Make them aware of the dangers that lurk in the world today. Help them be safe.
If you have questions, please leave them in the comments, and I will be back with you shortly. I am here to assist you in any way I can.