ID Theft Prevention


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ID Theft Prevention

  1. 1. Identity Theft Prevention Steps you can take to minimize risk
  2. 2. Statistics 10 Million Number of ID Theft victims in the U.S. $1,620 Average fraud amount per victim (out of pocket expense) $49.3 Billion Total one year fraud amount 43% Of victims knew the perpetrator
  3. 3. Statistics Continued  600 Hours Average time spent by victims trying to fix the problems caused by ID theft  22% Increase of ID Theft victims from last year  71% Of fraud happens within one week of information being stolen
  4. 4. Statistics Continued
  5. 5. Statistics Continued  An estimated 19 percent of “those attacked” have clicked on the link in a phishing e-mail. Most, if not all, large financial institutions and electronic bill-paying services (such as PayPal) have been hit with phishing attacks. “Phishing will be defined later in the presentation”
  6. 6. Statistics Continued Because many phishing attacks originate overseas and because the average life span of a phishing web site is 2.25 days, the sites are hard to shut down. Nearly 1/4 of all victims - roughly 2.5 million people in the last year - said their information was lost or stolen, including lost or stolen credit cards, checkbooks or social security cards.
  7. 7. Statistics Continued Stolen mail was the source of information for identity thieves in 4% of all victims - 400,000 in the last year.  ID TheftIS the fastest growing crime in the country and will continue to be unless we educate each other on how to prevent it.
  8. 8. Why do this?
  9. 9. When you can do this and make 100 times the money!
  10. 10. There are no guarantees  Some things are out of our control.  If someone wants to steal your identity, chances are they WILL  However, you can take steps to minimize your exposure to and risk of ID theft and Fraud
  11. 11. Ways to Protect Yourself  Use a Shredder to shred anything with ANY of your personal information on it “Confetti” shredder is preferred  Be wary of “Shoulder Surfers”, people watching you enter your PIN number  Do not put checks in your mailbox, drop them off at a postal mail box, due to check “washing” -Check washing is the process of erasing details from checks to allow them to be rewritten, usually for criminal purposes.
  12. 12. Ways to Protect Yourself Continued  If you were a criminal looking to steal someone’s identity, which mailbox would you choose? PO BOX Mailbox w/mail Locking mailbox
  13. 13. Ways to Protect Yourself Continued  Be aware when you are supposed to be receiving credit cards or checks and check when they don’t come  Cancel all credit cards that you don’t use  Do not write your PIN number down  Do not respond to emails claiming to be from your bank asking for verification of information, contact them instead (This holds true for any financial institution)  Do not carry your birth certificate or SSN card in your wallet, leave it at home (Unless you need it)
  14. 14. Ways to Protect Yourself Continued  Do not print your license number, SSN, phone number, or birth date on your checks  Monitor all of your bank and credit card statements, look for anything on it that you didn’t authorize  Sign your credit cards immediately; try using “See ID” along with your signature Some financial institutions won’t cover fraud when a card is not signed
  15. 15. Ways to Protect Yourself Continued  Don’t answer questions to someone on the phone that you don’t know Once again, if they need it, you can call them back at a phone number that you know belongs to them  If you are going to be out of town, have a trusted neighbor pick up your mail for you or have the post office put a vacation hold on your mail  Lock all of your important documents in a safe or hide them
  16. 16. Ways to Protect Yourself Continued  Be wary of making purchases on the internet, if you do try and use a card with a small limit and verify that the website is secure (https)  When you pay with your credit card, make sure the person you give the card returns yours and not a fake one  When you leave a receipt make sure the account number is x’d out If it isn’t, walk receipt to server and don’t leave it behind
  17. 17. Ways to Protect Yourself Continued  Watch for “Skimmers” A device that copies the information on the magnetic strip on debit and credit cards Above camera is used to record you entering you PIN number.
  18. 18. Ways to Protect Yourself Continued  Never leave any valuables in your car, especially in plain view (Always lock your car, even when it’s parked at home)  Never leave your purse/wallet unattended Especially when shopping and putting things away after shopping  When at restaurants make sure your purse is zipped up and keep it under the table, attached to your foot, if possible
  19. 19. Ways to Protect Yourself Continued  Check with your insurance company to see if they cover for ID theft  Keep a list (Photo copy) of all your card numbers along with customer service phone numbers in case of theft DO NOT keep the above list in your purse or wallet. Keep it in a safe or somewhere safe at home  Get a copy of your credit report every four months and review it for errors
  20. 20. Protect accounts  Place passwords on your credit card, bank, and phone accounts.  Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers.  When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Ask if you can use a password instead.
  21. 21. Protect information  Secure personal information in your home, especially if you have roommates, employ outside help, or are having work done in your home.  Ask about information security procedures in your workplace or at businesses, doctor's offices or other institutions that collect your personally identifying information.
  22. 22. Ways to Protect Yourself Continued  If you were a criminal looking to steal someone’s identity, which house would you choose? A home with an open garage is an easy target for thieves.
  23. 23. Protect information  Don't give out personal information on the phone, through the mail, or on the Internet unless you've initiated the contact or are sure you know who you're dealing with.  Be wary of filling out surveys, entering contests, etc. Many marketing services contract with state prisons to use inmate labor to process these forms. Some inmates are employed as telemarketers
  24. 24. Protect your mail  Deposit your outgoing mail in post office collection boxes or at your local post office, rather than in an unsecured mailbox  Whenever possible, deposit outgoing mail before the last pickup of the day, not where it will be left in the collection box over a weekend or holiday
  25. 25. Protect your trash  Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you're discarding, and credit offers you get in the mail.  Basically, shred anything that you wouldn’t want a criminal to have.
  26. 26. Protect your trash  To opt out of receiving offers of credit in the mail, call: 1-888-5-OPTOUT (1-888-567-8688). The three nationwide consumer reporting companies use the same toll-free number to let consumers choose not to receive credit offers based on their lists. Note: You will be asked to provide your SSN which the consumer reporting companies need to match you with your file.
  27. 27. Protect your SSN  Don't carry your Social Security card; leave it in a secure place.  Give your SSN only when absolutely necessary, and ask to use other types of identifiers. If your state uses your SSN as your driver's license number, ask to substitute another number. Do the same if your health insurance company uses your SSN as your policy number.
  28. 28. Maintain vigilance  Carry only the identification information and the credit and debit cards that you'll actually need when you go out.  Be cautious when responding to promotions. Identity thieves may create phony promotional offers to get you to give them your personal information.
  29. 29. Maintain vigilance  Keep your purse or wallet in a safe place at work; do the same with copies of administrative forms that have your sensitive personal information  When ordering new checks, pick them up from the bank instead of having them mailed to your home mailbox  Recently, cell phone numbers were released to telemarketers. To opt out of receiving these calls, dial 1- 888-382-1222 from the cell phone you want blocked. This will take your number off for 5 years.
  30. 30. Scams: Phishing The act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The e-mail directs the user to visit a Web site where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers, that the legitimate organization already has. The Web site, however, is bogus and set up only to steal the user’s information.
  31. 31. Phishing emails will have you click on a link that redirects you to their website.
  32. 32. Here is an example of another link on a phishing email.
  33. 33. And another
  34. 34. And another
  35. 35. Vhishing Similar to “Phishing” except it uses both email and the telephone How Vhishing works ? First, you get an email message saying the security of your bank account is compromised and you have to dial a 1- 800 number to verify the account information. Once you fall in the trap and dial the number mentioned in the e-mail, you are asked, using automated messages, to type your 16-digit card number. The call can then be used to harvest additional details such as security PIN, expiry date, date of birth, bank account number, etc. Please advise clients not to call the 1-800 number listed in the email. Clients should always call the number listed in the back of their card or the number listed on the legitimate Citicards site.
  36. 36. ATM Scam
  37. 37. Nigerian Scams
  38. 38. Notice the grammar and spelling errors. Also, notice the handwritten name at the top. This is done so that Mass-Producing the letter is quicker.
  39. 39. This is the check you get in the mail with the letter. If they are going to send you the money to pay for your “Processing Fee” why not just send you your winnings?
  40. 40. The Western Union “Nigerian” Scam  First off, you receive a letter in the mail claiming, you have won a prize via Western Union  All you have to do to claim your prize is send in a small “Processing Fee”  You call the phone number given and speak to a Western Union “Detective” (The phone number usually shows up as a local call due to call spoofing)  The “Detective” asks you to send in the small fee to an address in Jamaica
  41. 41. When this scam came out I googled it and this is what I got.
  42. 42. Western Union Scam  Things to watch out for with Scams Money being sent from somewhere outside the U.S. Call coming from a local number (Spoofed number) Caller has a heavy accent One thing is always a dead giveaway Scammers WILL ALWAYS ask you to send them money before you get anything……
  43. 43. Western Union Scam Continued  Caller was only asking for $160.00 dollars Per victim, this amount is very little Let’s say, that these scammers call 100 people a day and only 20 fall for the scam (Low guess) That’s 600 victims a month 600 X $160.00 = $96,000 dollars a month What other jobs pay $1,152,000 a year? Where do I sign up?
  44. 44. Craigslist and KSL “Nigerian” Scam  You list an item for sale on Craigslist. The asking price is $500.00 dollars You get an email from a “Buyer” Tanx for your prompt response. I am interested in purchasing your items. Please provide your name and address for payment. I am paying by Cashier check. You should receive payment this week. As per pick-up, I will make arrangement with the manager of my shipping.moving company to come forpick-up after payment has been received by you. I would appreciate if you take the posting off craigslist today and consider it sold to me. Do have a nice time…. This is what you get in the mail Notice the spelling and grammar errors. *KSl and Craigslist are very reliable websites and they do everything in their power to curb these scams. Their sites are only used as examples.
  45. 45.  If you question the buyer about the check here’s what you get Sorry for getting back o you late. I and my husband had a little misunderstanding immediately I read your mail. I was waiting for him to get back so that I can know what is really wrong and why you havnt gotten the payment yet. Well Micheal did swear with his life that he send out payment to you via regular mail and that he even made a mistake with the amount he wrote on it. I’m very sure you will get our payment any times from now….Kindly be on the look out for there any Grocery store around you. Let me know when you read this. Happy weekends to you. You question the check again and now you get Don’t tell me you didn’t get my previous e-mail huh? This is a error that was made by my husband and he is laying down there at the hospital. Well what you got is our payment for the items and you need to take it to the grocery store they will help you to cash it out. You can then deduct the amount and send the rest to the details I send to you via Western union and Moneygram. To John Smith, Keyport, NJ.
  46. 46.  The person you send the money to is a real person that believes he has a legitimate job and has W-2’s and email applications to prove it. They too have been victimized  They believed that they were working from home acting as a “Distributor” for a company overseas. When he gets the money from “You”, he takes his cut and ships the rest off overseas to his “Boss” Things to watch for Getting over paid for an item Only correspondence with buyer is through email Buyer wanting to ship an inexpensive item across the country Buyer wanting money sent back to them
  47. 47. Reverse Craigslist and KSL “Nigerian” Scam Works just like the previous scam, only in reverse  This time, you’re trying to buy something off of KSL or Craigslist
  48. 48. Notice how cheap this is and when you call the number listed, it’s disconnected so you email that seller and this is what you get.
  49. 49.  Hello, My name is James Noorlander and I'm glad to see your interest in purchasing my RZR. What can I tell you in a few words is that I am an individual seller, I am not a dealer and this is my first type of posting on KSL. The vehicle is personal property and I am going to sell it because I was promoted to my work and I had to move with my family in another location (we must do sacrifices all the time) and now I live in Quebec Canada. In conclusion, I don't need it anymore and I decided, after a discussion with my wife (sometimes is very difficult to be persuasive, you know what I mean) to sell my rzr. The vehicle is in mint condition and it has only 235 miles on it. If we reach an agreement, I am willing to take care of the shipping to your address. Shipping will take 7 days maximum. I have managed to obtain a low cost shipping, only $400 and I presume it would be fair to split the shipping cost so, we'll pay $200 each. Meaning, that the rzr and the shipping/handling will cost you $5,800. I think this is reasonable. As I know that my current situation is pretty special I want the deal closed only through eBay's Vehicle Protection Program in order for you to be 100% protected. You will make the payment to eBay and they will hold the money until you receive the rzr. Only after you receive it and you inspect it(for 5 days from the moment you receive it) eBay will release the payment to me, in this way we are both protected. Please get back to me asap if you decide to buy, and include in your e-mail your full name and address where you want it shipped so I can start the deal with eBay. You will receive all the transaction payment and shipping details from them. Best Regards, James *This is an actual email from a scammer.
  50. 50. Email “Takeover”  You get an email from your email provider wanting you to update your information by clicking on a link.  You click on the link and update your email by providing your email address and password. Guess what happens next
  51. 51.  Everyone in your address book gets this Hello, How are you doing?hope all is well with you and family,i am sorry that i didn't inform you about my traveling to England for a program called Empowering youth to fight racism,Hiv/Aids,and lack of education. I need a favor from you as soon as you receive this e-mail, I misplaced my wallet on my way to the hotel where my money,and other valuable things were kept. Urgently assist me with a soft loan of $2,500 to sort-out my hotel bills and get myself back home. I will appreciate whatever you can afford and i'll pay you back as soon as i return,Kindly let me know if you can be of help? so that i can send you the details to use when sending the money through western union. Best Regards, Katie  And Yes, people fall for this on a daily basis
  52. 52. SMS Scam (Text) Thousands of people have gotten a text message warning of unusual activity on their U.S. Bank accounts, but U.S. Bank said the message is a scam to try and get people to give up personal information. Erich Schroeder called WCCO-TV after he got a text message on his work cell phone. Schroeder said, "It says you need to verify your U.S. Bank account unusual activity call at 866-XXX- XXXX.“ For Schroeder the tip off was easy, he doesn't have a U.S. Bank account. "I'm figuring there's a lot of people who would have a U.S. Bank account and probably would go through and potentially get into trouble," said Schroeder. When WCCO called the number the text message said to call, a recording asked for personal information. The recording says: "Welcome to U.S. Bank. Please follow the next step to verify your account. You will be asked to provide three additional pieces of information which are linked to your account, including your credit card number.“ U.S. Bank said as far as it knows, no one has lost any money in the scam. The bank has turned over the information to the FBI and the Federal Trade Commission has shut down at least one of the phone numbers. U.S. Bank issued a statement saying, "We would never ask a customer to place their personal information in jeopardy by contacting them and asking them to divulge it over the phone, via email or text messages.“ Scams via text message are becoming so widespread there is actually a new name for it -- "smishing" -- a takeoff of SMS text messaging and phishing. Smishing has another form that is also dangerous. You get a text message that urges you to download an item on your phone and it turns out to be a virus. If you do get a text message like this experts say don't respond, but call your bank's customers service number.
  53. 53. Grandma and Grandpa Scam  You get a phone call from your “Grandson”  The caller knows the name of your grandson and sometimes even sounds like him (Info can be bought)  He claims to have been arrested in Canada and he needs money to get out of jail and to fix his car  He asks you to send money via Western Union to Canada  If you send money to him in Canada, there is little to no chance of getting your money back or of someone being arrested
  54. 54. Jury Duty Scam The caller claims to be a jury coordinator. If you protest that you never received a summons for jury duty, the scammer asks you for your Social Security number and date of birth so he or she can verify the information and cancel the arrest warrant. Give out any of this information and bingo, your identity was just stolen. The fraud has been reported so far in 11 states, including Oklahoma , Illinois , and Colorado . This (swindle) is particularly insidious because they use intimidation over the phone to try to bully people into giving information by pretending they are with the court system. The FBI and the Federal Court System have issued nationwide alerts on their web sites, warning consumers about the fraud. Snopes site: says this is real fraud. FBI site: warns about the fraud.
  55. 55. What To Do If You Become a Victim  Cancel all of your credit/debit cards and alert your bank if checks are missing  Contact your local police department The investigating agency can be any agency that falls into the following: 1. Where you live 2. Where the crime occurred (Ie. Where checks or credit cards were used) 3. Where your information was taken from
  56. 56. What To Do If You Become a Victim Continued  Put a fraud alert on your credit by calling the three credit reporting agencies Experian 888-397-3742 Equifax 800-525-6285 Trans Union 800-680-7289  Make a toll-free call to the Federal Trade Commission’s Identity Theft Hotline at 1-877-IDTHEFT  Start a report with the Utah Attorney General’s Office (IRIS) Identity Theft Reporting Information System at
  57. 57. Conclusion  Following these guidelines will help to minimize potential losses from ID theft. Remember, nothing is full proof  If you don’t think it’s worth it, think about all you will have to do to clean up your credit after you’ve been victimized by an ID thief
  58. 58. Contact Information Sergeant Martinez Orem Department of Public Safety Support Services Division (801) 229-7080 Follow the Orem Department of Public Safety at
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