FRAUD RESOURCE CENTER
It's a lesson fraudsters have learned well. Social Security scams are a common form of government impostor scam, in which crooks pose as government officials to get you to send money or give up personal and financial data for use in identity theft. Nearly half of Americans were targeted by a Social Security scam in the three months prior to November 2020, according to a survey by SimplyWise, a company that provides tech tools for retirement planning.
One common tactic involves fake Social Security Administration (SSA) employees calling people with warnings that their Social Security numbers have been linked to criminal activity and suspended. The scammers ask you to confirm your number so they can reactivate it or issue you a new one, for a fee. This is no emergency but a ploy to get money and personal data: Social Security does not block or suspend numbers, ever.
This con is sometimes executed via robocall — the recording provides a number for you to call to remedy the problem. In another version, the caller says your bank account is at risk due to the illicit activity and offers to help you keep it safe.
Listen to an actual scam call about a supposedly compromised Social Security number. The caller's warning is 100 percent fake: The real Social Security Administration does not suspend numbers.
Audio courtesy of the Federal Trade Commission
On the other hand, you might get a call from a supposed SSA representative bearing good news — say, a cost-of-living increase in your benefits. To get the extra money, you just have to verify your name, date of birth and Social Security number. Armed with those identifiers, scammers can effectively hijack your account, asking SSA to change the address, phone number and direct deposit information on your record and thus diverting your benefits.
Consumer Reports warns of another trick with an ironic twist: Fraudsters send out emails that appear to be from SSA and instruct you to click a link to register for a free service that protects you from Social Security fraud. It’s actually a garden-variety phishing scam, designed to guide you to a fake government website that will steal your information.
With a little vigilance, Social Security scams are not difficult to identify and avoid.
- You get an unsolicited call from someone claiming to work for SSA. Except in rare circumstances, you will not get a call from Social Security unless you have already been in contact with the agency.
- The caller asks for your Social Security number — again, something an actual SSA employee wouldn’t do.
- A call or email threatens consequences, such as arrest, loss of benefits or suspension of your Social Security number, if you do not provide a payment or personal information.
- Do hang up if someone calls you out of the blue and claims to be from SSA.
- Do be skeptical if a caller claims to be from Social Security's Office of the Inspector General. Scammers appropriate official-sounding and often actual government titles to make a ruse seem authentic.
- Do set up a My Social Security account online and check it on a monthly basis for signs of anything unusual, even if you have not yet started collecting benefits.
- Do install a robocall-blocking app on your smartphone, or sign up for a robocall-blocking service from your mobile network provider.
- Don’t call a phone number left on your voice mail by a robocaller. If you want to contact SSA, call the customer-service line at 800-772-1213.
- Don’t assume a call is legitimate because it appears to come from 800-772-1213. Scammers use “spoofing” technology to trick caller ID.
- Don’t give your Social Security number or other personal information to someone who contacts you by email. SSA never requests information that way.
- Don’t click links in purported SSA emails without checking them. Mouse over the link to reveal the actual destination address. The main part of the address should end with “.gov/” — including the forward slash. If there’s anything between .gov and the slash, it’s fake.
- You can call Social Security’s customer service line at 800-772-1213 to confirm whether a communication purporting to be from SSA is real.
- If you get an impostor call or email, report it to SSA using their detailed online form. You can also call Social Security's Fraud Hotline at 800-269-0271.
- If your Social Security number has been stolen, file an identify theft report with the Federal Trade Commission, which can help you develop a recovery plan.
Updated November 24, 2020
About the Fraud Watch Network
Whether you have been personally affected by scams or fraud or are interested in learning more, the AARP Fraud Watch Network advocates on your behalf and equips you with the knowledge you need to feel more informed and confidently spot and avoid scams.
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