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A new report from the Federal Trade Commission found that tax return fraud actually declined recently, and Social Security scams stepped in to take their place. These scams can manifest in a few different ways, but all of them are intended to steal your money, your identity or both.

Listen to the real scam below:

In one of the Social Security scams circulating, a caller claiming to be from the Social Security Administration informs you that there has been suspicious identity theft activity involving your SSN. You are urged to purchase a prepaid debit card, iTunes gift card or other reloadable funds card and transfer all of your money out of your bank accounts and onto that card. This is supposed to keep those dangerous hackers from getting your money. The agent calls back later to confirm that you have done it, and then tells you the Social Security Administration will record the card’s account number and PIN number in your file, supposedly to protect your money in case something happens to that card. Once you read the card number and the PIN number to the fake agent, they will drain the funds off the card and you will now be completely broke.

The more common of the Social Security scams, is to call a potential victim and claim that their SSN has been suspended. This scam has actually been at work for some time, but there has recently been a renewed number of victim reports. In this Social Security scam, a fake agent tells you that your number has been suspended due to possible identity theft, meaning you will no longer receive benefits, it can no longer be used for health care or other benefits. You are required to confirm your SSN and some other sensitive personal information for the agent in order to reinstate your SSN. After you confirm your personal identifying information, the fake agent steals your identity and uses it for a variety of malicious activities, including opening new lines of credit and claiming your benefits.

In order to protect yourself, you must adopt one ridiculously easy habit: never believe what you hear over the phone. It is far too easy to scam people via phone, and thanks to simple tools that anyone can acquire, the scammer can even change their phone number on your caller ID in order to look legitimate. Therefore, it is vital that you ignore any warning or request from anyone who calls you—and the same is true for emails, social media messages or texts. If there is a genuine problem with your account or your information, you can always contact the organization, agency, or business directly to put the matter to rest.


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

Many professionals view air-travel days as an opportunity to get some extra work done, pay bills online, or distract themselves during their commute by surfing the internet. The convenience and ease of use of modern laptops and iPads have made it easy to stay connected in route. As a result, public Wi-Fi is now commonplace in most major airports and even becoming more common on the airplanes themselves. As with most technological conveniences these days, in addition to the obvious advantages, wifi in airports pose additional risk to consumers who may not be aware that they’re in potentially dangerous ‘hot zones’ for identity theft.

Public wifi is a beacon for those who would seek to harvest your personal information through your internet connection. Free wireless networks are usually not password protected, or have a password that’s publicly available. This means that every time you sign on to a public wifi connection, you’re essentially sharing a connection with any and all strangers in the area. In an airport especially, even more so than in a coffee shop or other place usually associated with public wifi, the number of strangers in your immediate vicinity is usually much higher. Any and all of those have the potential ability to access the same network connection you’re using. All it takes is one malicious user on your network to cause you a lot of trouble.

Anytime you access public connections to the internet, your computer is more exposed to the threats of malware or viruses which may be present on another’s laptop, not to mention the threat of a nefarious fellow traveler snooping through your shared files, shoulder surfing to watch you input your passwords, or otherwise monitoring your internet activity. Most people don’t realize that when sharing a network internet connection with someone, there is no additional firewall or security in place to protect the information stored on your computer. This quite naturally makes places like airports and other areas that offer free public wifi very attractive to would-be identity thieves.

If you can avoid using public wifi altogether, do so…if you just can’t resist checking the scores or the weather while waiting to board your flight or arrive at your intended destination, try to avoid doing potentially dangerous activities like online banking, filing tax returns, or checking any email accounts that might have valuable information stored in it; as this information could be harvested from your machine and used against you. If you know you will be traveling often and find yourself using public wifi normally you may want to look into getting a personal VPN. A personal Virtual Private Network will help protect you against the dangers of public wifi.

If using public wifi unprotected, be wary of any wireless network that shows up with a stronger signal than the network offered by the known provider (in other words, if you’re in the American Airlines terminal, you shouldn’t choose that random linksys server over the one labeled “Americanterminal1access” for example). Often potential hackers will generate their own network signal to have others “hook up” to them, exposing all their information. Other network users will see the stronger signal and connect to it unwittingly, without realizing that they’ve just voluntarily offered up anything that isn’t independently password protected for viewing by the thief.

When using your home wireless connection, ensure that it’s always password protected. Remember, you never know who else may be online.