In recent months, there has been an alarming increase in long con scams targeting Social Security Numbers (SSNs). These scams are designed to steal sensitive personal information and exploit individuals through highly orchestrated and deceitful tactics. According to the Social Security Administration Office of the Inspector General (SSA OIG), scammers are evolving their methods, and many of these cons are becoming harder to detect.
Last month the Inspector’s General Office released that scammers are compounding tactics by using fake Amazon or PayPal tech support emails and text messages who will try to convince you that your SSN or record is compromised. Considering the enormous size of nationalpublicdata.com’s breach this spring and summer (to the tune of 2.9 billion records), we understand that this topic can be very confusing to navigate. Learn More
Knowledge is power. Here’s what you need to know about the growing trend and how you can protect yourself.
What is a Long-Con Scam?
A long-con scam is a method of deception that unfolds over a long period of time. Unlike quick-hit frauds, where scammers make a direct attempt to steal your information or money in one go, long-con scams involve establishing a sense of trust with the victim. Scammers often impersonate official entities—like the SSA—over weeks or months to gradually build credibility, making their eventual fraudulent activities more convincing. Scams often end with an in-person meeting with an individual either who is part of the scheme or an unsuspecting participant, such as an Uber driver, during which the target turns over gold, cash, a crypto wallet or some other currency for “safe keeping” at the direction of the imposter SSA OIG federal agent.
How Are Scammers Exploiting SSNs?
SSNs are one of the most valuable pieces of personal information for identity theft. Once scammers have your SSN, they can open new credit lines, file false tax returns, and even gain access to your financial accounts. Here’s how these long-con scammers operate:
1. Impersonation of Government Officials: One common tactic is to pose as representatives from the Social Security Administration (SSA) or even the SSA OIG. Scammers contact victims via phone, email or mail, claiming that there is an issue with their SSN, such as fraudulent activity or that their benefits are being suspended.
2. Phony Documentation and Fake Websites: Scammers often direct victims to fake websites or send fabricated official documents that look legitimate. These documents might appear as “official” notifications, containing seals or logos of government agencies. Over time, the victim may be asked to “verify” their SSN or other personal information.
3. Threats and Intimidation: Scammers may claim that if the victim does not act immediately, their benefits will be suspended, or they will face legal consequences. The urgency creates pressure and confusion, making victims more likely to comply without questioning the legitimacy of the request.
4. Financial Manipulation: In some cases, the scammer will slowly gain access to the victim’s financial accounts by claiming they need to “safeguard” their funds or by having them pay fees to avoid legal trouble. Since this happens over time, it can be difficult for the victim to recognize they are being defrauded.
Red Flags to Watch Out For
While these scams can be highly sophisticated, there are several warning signs to be aware of:
1. Unexpected Calls or Emails from the SSA: The SSA typically communicates by mail and rarely makes unsolicited phone calls, especially about sensitive information like your SSN or benefits. Be suspicious if someone contacts you out of the blue claiming to be from the SSA or the SSA OIG.
2. Pressure to Act Immediately: Scammers often use scare tactics, telling you that you need to act fast to prevent legal action or benefit suspension. Government agencies do not operate this way; they give ample time for recipients to respond to any issues.
3. Requests for Personal Information: No government agency will ask you for your SSN or banking information over the phone or via email. If someone asks for this information, hang up or ignore the email.
4. Financial Requests: Be wary of anyone asking you to transfer money, pay a fine, or safeguard your assets through unusual means, such as wire transfers or gift cards. This is a hallmark of scam operations.
5. Unfamiliar Websites or Emails: Always double-check the URL and authenticity of websites claiming to be official. Scammers will create sites that look very similar to legitimate government sites, but subtle differences in the URL or design can give them away.
How to Protect Yourself
– Verify the Source: If you receive a suspicious call, letter, or email, do not respond immediately. Contact the SSA directly through their official channels to verify whether the communication is legitimate.
– Monitor Your Accounts: Regularly check your financial accounts and credit reports for any signs of unauthorized activity. If you spot something suspicious, report it immediately.
– Report Activity: If you suspect that you have been contacted by a scammer and fallen victim by accidentally clicking on a link or giving out personal identifying information (PII), contact us immediately so we can decide on what steps should be taken. In addition to placing an immediate fraud alert on your credit file, a credit freeze may be merited.
– Be Educated and Spread Awareness: Staying informed about these scams is key to protecting you. The more people who are aware of these tactics, the harder it becomes for scammers to operate. Share this information with your family and friends, especially those who may be more vulnerable to these kinds of attacks, like the elderly.
As long-con scams targeting SSNs continue to rise, it’s crucial to stay vigilant. Always be cautious of unsolicited communications, double-check the legitimacy of claims, and never share sensitive information without verifying the source. The SSA and its Office of the Inspector General are actively working to combat these scams, but your personal awareness is the first line of defense.
Guard Well Identity Theft Solutions exists to provide you, your family and your employees from the damages of identity theft. Please don’t hesitate to reach out if you need help or have any questions or concerns. We are available for you 24/7/365 at 888.966.4827 (GUARD) and [email protected].
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