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Identity theft Happens Predominantly Offline
prostoalex writes "Worried about identity theft online? Relax, say the Feds. You're much more likely to have your identity stolen offline (72% of the cases). In half of all the cases, it's the friendly relatives, neighbors and friends who steal the identity of the victim. Moreover, those watching their financial accounts online lose approximately $551 per incident. The average rockets to $4543 for those relying on paper statements from their banks and credit card companies."
I worked in retail for awhile, I learned a trick for myself. I write "ASK FOR ID" on the back of all my credit/debit cards.
RARELY do i have someone ask to see my identification, no matter where I go. it amazes me how easily it is to get away with small things like this.
But I do urge everyone to do that with their credit cards, it may not always be checked, but it is better than a scribble on the back. But while in london, I almost had a pub owner take my CC because my name was't "ASK FORD ID", arg.
friendly relatives, neighbors and friends who steal the identity of the victim
I suppose that relatives that dumb aren't smart enough to sit down and use those browser-cached passwords to access your PayPal account while you're in the bathroom and send themselves some money anyway.
I'm actually surprised that co-workers aren't a bigger piece of the statistical pie on this one. They often have access to records, PCs, the all important "work number" and so on. I've run across those incidents, and am amazed they're not more common.
Don't disappoint your bird dog. Go to the range.
Consider that an online banking site may *not actually* be an online banking site. A physical bank, on the otherhand, is without fail, a physical bank. However, I don't have to worry about someone rooting through my garbage to find bank statements if all my data is online.
So both systems have their inherent vulnerabilities. The fact is that you are really paranoid, you are ultimately safest doing everything in person and taking proper measures to destroy relevant documents.
All this study says is that there is a higher incidence of paper based identity theft. Which is to be expected: how many low-level criminals do you think know javascript, for example?
When things get complex, multiply by the complex conjugate.
My brother had an incident of identity theft which happened through the mail. A gang drove around and picked up envelopes containing payment for bills and had checks printed using the correct checking account information. They even printed drivers licenses with their own picture and changed the birthdate to about 10 years older than my brother's age.
He caught the unauthorized activity by chance when he deposited a check at the bank and they told him he had a negative balance. Around $480 of unauthorized activity had taken place. They froze the account at that moment, he went and filed a police report, and the bank canceled payment of all of the fraudulent items.
He received calls and letters for months saying he had written bad checks and that he would have a warrent put out for his arrest if he did not pay. He had to mail dozens of copies of the police report and a copy of the notarized statement he made saying he did not write the checks or authorize electronic payment of the items purchased on the internet. The postage totaled about $30. The money from his account was eventually all returned to him, but all of the time spent on the phone with companies trying to get the issue straightened out is a huge hassle, and the money for postage and telephone calls to various out-of-state companies comes out of your own pocket.
I had a friend in college whose dad opened up a credit card account in my friend's name, charged it up, and let it default. My friend talked to legal services on campus (I'm not sure how good our campus legal services is but our law school is pretty good for a public school). They basically told him that he sould either pay it off or claim fraud and let the credit card company haul his dad off to jail. I can't imaging putting my child in that situation. He asked me what he should do but I didn't know what to tell him. That's a pretty sorry situation for a relative to put you in, especially your own father.
It irks me that the agency is still under contract to the government. The privacy policy they had us sign when we applied actually said that our data would be totally safe and secure. (Of course, that's an insane promise, but they shouldn't put it in writing!) And the agency completely bungled the way they told people about the data theft -- even counselling people to do nothing, which conflicted with the government/police recommendations. Thousands of people were affected, but I bet my husband and I were the only ones who knew to check with police, instead of doing nothing.
-- SYS 64738 --
In work in a Court and every ID theft case I've seen in the last five years were committed by co-workers.
If someone says he and his monkey have nothing to hide, they almost certainly do.
I began to get them together (under the counter -- we'd had people grab & dash cartons off the counter the week before). Then the guy handed me a visa card. I read the card, looked at him, and said: His response was something along the lines of "It's because I'm black, isn't it?". Ummm, no, it's because I just saw you talking to those kids outside, and these are the brands they smoke, and this is not your credit card. He insisted that it was his wife's card; I insisted his wife could pick it up from the RCMP then (an RCMP car pulled up coincidentally), and he ran off.
A "wife" I never met put her name on my checking account some years ago. I had to file a police report before the bank would cancel the bad checks. I lived in city #1, my bank was in city #2, and the band checks were passed in city #3. You wouldnt believe how hard it was to get oneof these three police stations to take a report. Forged checks are so commonplace that no one wants to bother.
I'd hate to multiple this by many accounts, if a larger identity was stolen.