To report a lost or stolen debit card:
During banking hours, call 580-323-2345.
After banking hours, call 1-844-202-5333. Opt. 1
Your check being declined by a merchant is not necessarily reason to fret. Here are some things you should know about merchants declining checks.
Possible reasons that your check was declined:
Identity theft occurs when thieves steal your personal information (e.g., your Social Security number (SSN), birth date, credit card numbers, personal identification numbers (PINs, or passwords). With sufficient information, another person can become you and use your identity to commit fraud or other crimes.
For outgoing mail containing a check or personal information: Try to deposit it in a United States (U.S.) Postal Service blue collection box, hand it to a mail carrier, or take it to the post office instead of leaving it in your doorway or home mailbox. A mailbox that holds your outgoing bills is a prime target for thieves who cruise neighborhoods looking for account information. Avoid putting up the flag on a mailbox to indicate that outgoing mail is waiting.
If you do open and respond to a phony email, contact your financial institution immediately and follow the steps listed in the FTC brochures listed at the end of this Participant Guide. For more about avoiding phishing scams, visit http://onguardonline.gov/articles/0003-phishing.
The Inspector General for the Social Security Administration (SSA) is warning the public, and Social Security beneficiaries in particular, to be aware of fraud scams that target personal information.
In the most recent scam, identity thieves obtain the personal information of Social Security beneficiaries and use that information to attempt to open a ‘my Social Security’ account on SSA’s website. If successful, they then use that account to redirect the beneficiary’s direct deposit benefits to an account controlled by the thief.
This should in no way discourage people from using SSA’s ‘my Social Security’ feature, which enables the public to view their earnings history and estimated benefits, and allows beneficiaries to obtain a host of services online; in fact establishing your account eliminates the risk of a new account being opened by an identity thief. This type of crime does, however, serve as a reminder to protect your personal information as you would any other thing of value. Once thieves have your personal information, they can use it to open credit accounts, buy homes, claim tax refunds, and commit other types of fraud.
If you receive information from SSA indicating that you have opened a ‘my Social Security’ account, and you did not open an account, you should contact Social Security so that appropriate action may be taken, and the matter may be referred to the Office of the Inspector General. You can do so by visiting or calling a local SSA office or calling SSA’s toll free customer service at 1-800-772-1213. Deaf or hearing-impaired individuals can call Social Security’s TTY number at 1-800-325-0778.
Get more information on identity theft
Visit the FTC’s Identity Theft website at www.ftc.gov/idtheft for information on how to minimize your risk or call them at 1-877-IDTHEFT (438-4338).
If you believe you are a victim of identity theft, the FTC recommends that you immediately take the following actions:
The FTC has many resources available to help you. Call the FTC’s Identity Theft Hotline at 1-877-IDTHEFT (438-4338) or visit www.ftc.gov/idtheft . Its online toolkit includes:
Sample letters to help you dispute unauthorized charges or the opening of new accounts in your name. Sample letters and forms are available at http://www.consumer.ftc.gov/articles/0281-sample-letters-and-forms-victims-identity-theft
Source: Money Smart for Older Adults, June 2013
If someone is in immediate danger, dial 911 or your local police department.
Adult Protective Services
Telephone numbers vary by location
or call for contact information for your area:
A [state or local] government agency, generally a part of your county or state department of social services, that investigates abuse, neglect or exploitation of older adults, or younger adults who have disabilities.
Federal Trade Commission
The FTC online toolkit includes a detailed guide for protecting your information, with instructions and sample letters to help identity theft victims – Taking Charge: What to Do If Your Identity Is Stolen. An online complaint form is available directly at www.ftccomplaintassistant.gov.
Federally funded legal assistance programs for people 60 and older (known as Title IIIB legal services programs) can provide legal assistance on issues such as income security, health care, long-term care, nutrition, housing, utilities, protective services, defense of guardianship, abuse, neglect, and age discrimination. Legal assistance is targeted towards older individuals in social and economic need. Each program has its own priorities and eligibility guidelines regarding case acceptance and areas of representation.
Your senior legal aid program may be located at your local legal services program. You can also find out about your local legal assistance programs by contacting your area agency on aging or www.eldercarelocator.gov.
If you need a private attorney to assist you with making a power of attorney, trust, will or other advance planning tool, contact the lawyer referral service of your state bar association.
National Domestic Violence Hotline
The Hotline is a nonprofit organization that provides crisis intervention, information and referral to victims of domestic violence, and their friends and families. You can reach the Hotline 24 hours a day.
Senior Medicare Patrol (SMP)
The SMP programs, also known as Senior Medicare Patrol programs, help Medicare and Medicaid beneficiaries avoid, detect, and prevent health care fraud. SMPs nationwide recruit and teach nearly 5,700 volunteers every year to help in this effort. Most SMP volunteers are both retired and Medicare beneficiaries and thus well-positioned to assist you. Visit the website above or call for more information or to get contact information for your state SMP.
Social Security Administration
Toll free customer service at 1-800-772-1213. Deaf or hearing-impaired individuals can call Social Security’s TTY number at 1-800-325-0778.
Source: Money Smart for Older Adults, June 2013