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ID Theft & ACCOUNT FRAUD

a. Welcome to. ID Theft & ACCOUNT FRAUD. Prevention & Cleanup. Money WI$E. A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP. What will you learn?. During this presentation you will learn: How ID theft and account fraud happen The effects of ID theft and account fraud

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ID Theft & ACCOUNT FRAUD

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  1. a Welcome to ID Theft & ACCOUNT FRAUD Prevention & Cleanup MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  2. What will you learn? • During this presentation you will learn: • How ID theft and account fraud happen • The effects of ID theft and account fraud • How to avoid becoming a victim MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  3. The changing face of ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  4. What is ID theft and account fraud? • When someone steals another person’s personal information to commit fraud MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  5. So Medical ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  6. Criminal ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  7. Child ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  8. Theft of a deceased person’s identity MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  9. How do thieves get your information? MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  10. It could be an inside job! MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  11. Data Breach MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  12. The costs of identity theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  13. ID theft prevention MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  14. Specialty reports • Medical Information Bureau (MIB) • IntelliScript and MedPoint (prescription drug purchase histories) MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  15. Specialty reports • Residential tenant reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  16. Check-writing history reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  17. Employment data reports • The Work Number maintains information on approximately 25 million employees: • 800-996-7566 • www.theworknumber.com MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  18. Insurance claims reports • Informs insurers about claims you have made against your homeowners or automobile insurance policies • LexisNexis C.L.U.E.: 866-312-8076 • Insurance Services Office (ISO) A-Plus: 800-627-3487 MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  19. Employment background checks • LexisNexis Employment History Report • 866-312-8075 • personalreports.lexisnexis.com/employment_history_report.jsp MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  20. Utility & telecommunications records MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  21. Internet safety MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  22. Active duty alert MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  23. Already an ID theft victim? MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  24. ID theft cleanup • File a police report • Contact appropriate state and federal law enforcement agencies • Complete a free ID theft affidavit from the FTC: www.ftc.gov/idtheft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  25. Fraud alerts • What is a fraud alert? • Credit bureaus will work with you to verify information and delete fraudulent data in reports • Place a “minor” alert if you suspect your child’s identity has been stolen MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  26. Freeze your credit MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  27. Shopping for ID theft services MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  28. Dealing with collection agencies MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  29. Government resources • FTC: www.ftc.gov/idtheft • OnguardOnline.gov: www.onguardonline.gov • StopFraud.gov: www.stopfraud.gov • IDTheft.gov: www.idtheft.gov • United States Postal Inspection Service: https://postalinspectors.uspis.gov • Social Security Administration: www.ssa.gov • FBI: www.fbi.gov MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  30. Non-profit resources • Consumer Action: www.consumer-action.org • Identity Theft Resource Center: www.idtheftcenter.org • National Fraud Information Center: www.fraud.org • Privacy Rights Clearinghouse: www.privacyrights.org • AARP: www.aarp.org/money/scams-fraud/ • National Association of Attorneys General (NAAG): www.naag.org MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  31. Other resources • Identity Theft Assistance Center: www.identitytheftassistance.org • 2013 Identity Fraud report: Javelin Strategy & Research: www.javelinstrategy.com • Fact Sheet 115: When You Personally Know the Identity Thief Identity Theft Resource Center: www.idtheftcenter.org • Fact Sheet 17a: Identity theft: What to Do if It Happens to You Privacy Rights Clearinghouse: www.privacyrights.org • Synthetic Identity Theft: Identity Theft Resource Center: idtheftcenter.blogspot.com/2012/06/synthetic-identity-theft.html MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  32. Visit money-wise.orgfor additional information and to access free financial education materials MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

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