Article Posted By User
By: Ben 2018-06-06 11:42:47 Comment: Rating:

A New Threat to Your Finances: Cell-Phone Account Fraud

Cell-phone account fraud, means that scammers open up a phony cell-phone account in your name and use it to access your bank account, sign up for credit cards, or sell the phone number for other criminals to use. It can have a devastating impact on your finances—and your reputation.

Cell-phone account fraud can become a huge mess that, unlike credit card fraud, doesn't have infrastructure in place to resolve.

Unlike other types of fraud, there are fewer consumer protections. It’s also harder to detect, so it can go unnoticed for months. By then, your bank account may be drained, credit card companies may be after you for unpaid bills, and the police may be investigating you for crimes committed in your name.

Consumers usually don’t realize this is happening for months, or until they are contacted by the authorities or a debt collector seeking payment.

How to Protect Yourself

There are a number of things you can do to keep criminals from opening or using a cell-phone account in your name.

1) Get a PIN for Your Account

2) Freeze Your Credit Information

3) If you stop receiving calls or texts, contact your wireless provider immediately. Regularly check for provider and account alerts, even if you don’t use your phone often.

4) Never disclose your banking or other online passwords or personal identification numbers to anyone.

5) Be on the lookout for “phishing” attempts. Contact your provider directly if you receive a call, email, or text message asking you personal information like your Social Security number, your bank account number, your driver’s license number, or other financial details.

6) Guard personal details—such as your phone number, date of birth, or your first car and maiden name—and keep them off social media.

7) Request that your bank or financial institution give you notice of every financial transaction through two different channels—for example, through text and email.

8) Try using separate emails, one for your online banking account and financial transactions, and one for your social media accounts.

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Recent Comments

  • PB
    2018-06-25 11:33:09
    Call type: scam
    Rating: -5

    recorded robotic call - will be arrested if do not return call and make arrangements. Left voicemail message when I did not answer.

  • Rick in STL
    2018-06-25 11:32:19
    Call type: scam
    Rating: -5

    important to talk to you... some computer female voice.... clearly not normal english. Hopefully they get shut down

  • Eric
    2018-06-25 11:32:12
    Call type: scam
    Rating: -5

    It's an absolute IRS scam when I asked them about it they use terrible language and then hang up on me. I called back seven times and apparently my number's been taken off so maybe that's what has to be done.

  • Eric
    2018-06-25 11:32:08
    Call type: scam
    Rating: -5

    It's an absolute IRS scam when I asked them about it they use terrible language and then hang up on me. I called back seven times and apparently my number's been taken off so maybe that's what has to be done.

  • Teresa
    2018-06-25 11:31:26
    Call type: scam
    Rating: -5

    Didn't leave a message.

  • Anonymous
    2018-06-25 11:28:40
    Call type: scam
    Rating: -5

    Received a very expensive knee brace in the mail from a Matawan HME Inc that my "senior" parents didn't order. Turns out that Matawan sends the product and bills medicare. They are taking advantage of seniors. Additionally, they are impossible to get in touch with. Very angry!

  • N/A
    2018-06-25 11:28:18
    Call type: scam
    Rating: 0

    left a recorded message on vm in a robotic voice that there are 4 allegations against my name and to call them back before they take legal action.

  • Frank
    2018-06-25 11:25:36
    Call type: scam
    Rating: -5

    IRS scam, left a threatening message. Don't call them back.

  • JD
    2018-06-25 11:25:14
    Call type: scam
    Rating: -5

    Received a call today stating miscalculation on W2-W4 forms and that I will have to go to DC to file a lawsuit against IRS or pay/settle out of court. The person could not provide me any years when the miscalculation took place or educate me on why I would owe the IRS. As I continued to question the representative disconnected the call. Now I can no longer get through the TFN.

  • BC
    2018-06-25 11:24:53
    Call type: scam
    Rating: -5

    left voicemail (obv female comp generated) and started before my voicemail picked up so mid sentence. Seemed like the same as above. all i got was the call us back before your arrested part but probably claimed they were irs too.

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