Tag Archives: identity theft

Tax-Related Identity Theft

Brought to you by our friends at the FTC

An identity thief may use your Social Security number (SSN) to get a tax refund or a job. This is tax-related identity theft. You may not know it has happened until:

  • the IRS sends you a letter by mail saying they have gotten a suspicious tax return that uses your SSN, or
  • you try to efile your return but it’s rejected as a duplicate because a return already has been filed using your SSN

If the IRS sends you a letter, follow the instructions in the letter. Then visit IdentityTheft.gov to report the identity theft to both the IRS and the FTC and get a recovery plan.

Uncovering Tax-Related Identity Theft

If someone uses your SSN to file for a tax refund before you do, here’s what happens: When you file your return, IRS records will show that someone else has already filed and gotten a refund. If you file by mail, the IRS will send you a notice or letter in the mail saying that more than one return was filed for you. If you try to efile, the IRS will reject your tax return as a duplicate filing.

If someone uses your SSN to get a job, the employer may report that person’s income to the IRS using your SSN. When you file your tax return, you wouldn’t have included those earnings. IRS records will show you failed to report all your income. The agency will send you a notice saying you had wages that you didn’t report. But the IRS doesn’t know those wages were reported by an employer you don’t know, for work performed by someone else.

IRS notices about tax-related identity theft are sent by mail. The IRS doesn’t initiate contact with a taxpayer by sending an email, text, or social media message that asks for personal or financial information. The IRS also does not call taxpayers with threats of lawsuits or arrests. And, the IRS will never ask you to wire money, pay with a gift card or prepaid debit card, or share your credit card information over the phone.

If you get an email, text, or other electronic message that claims to be from the IRS, do not reply or click on any links. Instead, forward it to phishing@irs.gov. And report IRS imposters to the US Treasury Inspector General for Tax Administration at tigta.gov.

Dealing With Tax-Related Identity Theft

If the IRS sends you a notice or letter saying that someone used your SSN to get a tax refund, or saying there’s another problem, respond quickly and follow the instructions in the letter.

  • Call the IRS using the telephone number given in the letter. You’ll need the letter and a copy of your prior year’s tax return when you call to help verify your identity. Visit the IRS’s guide, IRS Identity Theft Victim Assistance: How It Works, for more information.

If you think someone used your SSN to file for a tax refund, but you haven’t gotten a letter from the IRS, use IdentityTheft.gov to report it to the IRS and FTC and get a recovery plan.

  • Visit IdentityTheft.gov to complete an IRS Identity Theft Affidavit (IRS Form 14039) and submit it to the IRS online so that the IRS can begin resolving your case. You’ll also be reporting the identity theft to the FTC.
  • File your tax return, and pay any taxes you owe. If you can’t efile your tax return, you may need to mail a paper return.

Other Steps to Repair Identity Theft

Next, it’s important to limit the potential damage from identity theft.


Questions? Visit IdentityTheft.gov for help with these important steps. 

Have access to your accounts with USAgencies Credit Union 24/7 with our Online and Mobile Banking. Not enrolled yet? Connect with us today to get started by calling 503-275-0300 Option 3.

5 Steps to Safeguard your Financial Data from Thieves

Most people leave a trail of data nearly everywhere they go.

Some of that data links to critical information, such as bank or credit card accounts. Hackers want access and are constantly deploying new tactics to steal that data from unsuspecting consumers.

You don’t have to make it easy for them. These five simple steps can help you protect your financial information from data thieves.

1 > Use Secured Networks and Websites
The majority of Americans shop online, and data thieves try to exploit that fact. You can help protect your bank and credit card accounts by sticking to secured websites, which typically include “https” in the Web address and display a locked padlock icon near the address. When using a wireless network outside your home or workplace, avoid making financial transactions unless the network is password protected.

2 > Beef Up Your Passwords
Make it harder for hackers to access your data by choosing complex passwords that include a mix of numbers, letters, and symbols. Steer clear of passwords that use personal information, such as your birth date or address, and avoid using the same password across multiple sites or accounts. Tools such as LastPass and PasswordBox will generate a random password for each site, store them securely, and automatically fill them when you log in to a site, so you only need to remember one password.

3 > Protect Your Phone
A stolen smartphone could be as risky to your finances as a stolen wallet, especially if you use mobile apps to manage your finances. So, while you’re strengthening the passwords you use online, consider doing the same on your phone. Some newer handsets are now equipped with fingerprint scanners, which could give you an added level of security if your phone is swiped.

4 > Be Smart at the ATM
Getting cash from an ATM is a fairly routine transaction. Many people insert their card, enter their personal identification number, or PIN, and take their money without giving it much thought. Doing so could put you and your money at risk, though. Before using a cash machine, check your surroundings, and the ATM’s card reader and PIN pad, for anything suspicious or unusual. If something seems amiss, it might be wise to find another machine.

5 > Upgrade to an EMV Card
Many card issuers are upping their security game by adding microprocessors to newly issued cards. Know as EMV chips, the devices create a unique code for each transaction with a given account, making it harder for hackers to steal your data or skim it from a card reader. Even if a hacker does get your account information, it’s virtually impossible to copy your card and its chip. EMV cards also require users to enter a PIN or give their signature to complete the purchase, adding a layer of security. (Note about EMV cards: USAgencies will be making the swith to EMV technology. Details coming soon!)

Despite taking every precaution, it’s possible your data could still be compromised. Use caution when doling out your account information, especially online or over the phone, and keep a close eye on your account and credit card statements. If you spot signs of a breach, alert your financial institution as soon as possible to help stop the fraud in its tracks.

Copyright 2015, NerdWallet

The Other Sarah & Why You Should Review Your Credit Report Annually

From My Seat : A Blog Series from USAgencies’ Employees

Through my experience working at a credit union for most of my 20s, I’ve had the opportunity to learn financial lessons first hand, via member experiences and my own. I’ve had lessons in everything from building credit, to starting over from a bankruptcy. The biggest lesson I learned was my very first – how important it is to take advantage of checking your credit report annually.

I’ll set the stage: I was 24 years old, a year and half into my job at USAgencies as a teller, and I was still learning banking basics. At that time in my life I had never had a loan and had just one credit card with a small limit. The thought of checking my credit report had never even crossed my mind, seeing I had just the one credit card and I was aware of my limit and balance, which I paid off every month.

One afternoon I received a phone call from Kathy in human resources letting me know that Social Security called to verify my employment status, as they had received an application for a disability claim matching my social security number and name. They had called twice within the last few weeks, and HR told them each time, “No, Sarah is working and currently employed with us at this time.” Kathy suggested I contact Social Security myself to ensure it was cleared up as someone had clearly made a mistake along the way.

When I got off the phone with Kathy I told my co-worker about what as happening, and having been in banking a few years more than me, she suggested I view my credit report just to be safe.

I went to annualcreditreport.com and pulled my credit. There it was….  A collections!!…. an item in collections reporting in my name.  How could this be? I had ONE credit card. I had never been contacted by any agencies asking me for money, and I couldn’t even think of any situation I could have been in that would have resulted in a collection. I started to get nervous, and my mind begin to fill with all the possibilities of what was happening, and the road I had in front of me if this was in fact a case of identity theft.

On the credit report was the contact information for the collection agency so I called them right away. I stated who I was and what I was calling about. They informed me that the collection item was a medical bill from an ER visit up in Spokane, Washington. Not only had I never been in the ER as an adult, I had NEVER been to Spokane. They gave me the hospital’s contact information, I contacted them, and explained the situation. I asked for all the records they had regarding this ER visit. All the hospital needed from me was a faxed request with a copy of my ID and they would send the records to me in the mail in 3-5 business days.

When the packet of information came in the mail I was stunned. There is was in black and white – someone using my FULL name, social security number, and birth date had in fact been admitted to the ER in Spokane, Washington. There was a physical description of this “Sarah Buck” and we couldn’t be more opposite. This was definitely NOT me.

I now was in a panic. Someone had stolen my identity and I had no clue what to do. I needed to dispute this charge, but I also needed to find out what else they were doing with my name! That night, I gathered ALL of the identifying information I had – my social security card, my driver’s license, my passport, my birth certificate – EVERYTHING.

The next morning, I went into the Social Security office, took a number, and waited my turn. When my number was called I went up to the window and explained to the representative my situation, and I needed to know what to do next. She took all of my ID I had brought, and pulled something up on her computer. She then asked me if I had ever been married and changed my name. I said no, never. She explained that there was record of a name change due to “me” getting married. She said given all of the ID I was able to provide, it seems as if I was correct and I may have a case of ID theft on my hands. She went over a few additional items with me, took copies of all my documents, and let me know she opened a case and would be in contact with me within a day or two with next steps.

The very next day I received a call. She said she had good news and bad news. The good news – it WASN’T ID theft. The bad news, it was something much more complicated.

When I was born, on the VERY SAME DAY another girl, in Washington State, was ALSO born. Our parents gave us the same exact name, and we already happened to have parents with the same last name of Buck. When our papers were submitted to Social Security someone assigned us the SAME number. That’s right.  I had shared not only an entire full name with someone else, the very same birthday, and we were assigned the very same SSN. We weren’t even born in the SAME state so how this happened, they had NO Idea. Clearly someone had made a HUGE mistake along the way. What baffled me is how it was able to go on for so long without anyone noticing. I had been working since I was 18, I had filed my taxes every year, I had been enrolled in college, and had a credit card – and nothing!

The SS office informed me that a new number would have to be issued to me to move forward from this very rare situation. A New number?! My parents made me memorize my SSN when I was 10 years old. How was I going to memorize a new one?!

After a few long months of lots of paper work and phone calls, I had a new SSN and all my pertinent contacts had been informed. I even had to speak with the police in Washington because the other Sarah Buck had gone the same path as me, suspected ID theft and filed a police report.

Today I do in fact know my new SSN by heart, and can still even recall the old one. I run into a few issues here and there when needing to verify myself, but I have accepted this will be a lifelong thing and I am ok with it, as long as it is protecting my name.

I now check my credit report every single year to ensure that all the information is mine and accurate.  If this had never happened, I am sure I wouldn’t have started doing this so early in my life, but I now know it’s crucial. Credit is used for many different things from employment and housing to car insurance rates. Check your credit report annually (annualcreditreport.com)! Start early on building your credit on a positive path, and take responsibility for your financial life. It will pay off in the end, trust me!

Sarah, Lending Services

About Sarah:
Without Sarah’s support, the lending department would be smoking, if not in flames. She helps prepare loan for processing, updates materials in the database, handles DMV titling — and that’s all before lunch. This woman does not like leaving the office with anything still in her inbox. As a master of details, Sarah handles her lists like a magical bow and arrow, slaying deadlines preemptively and triumphing over red tape. One of her most gratifying moments came when she worked in Member Service – her radar picked up strange transactions on a member’s account. She was able to initiate processes to protect an elderly member from financial abuse. All this good work can be tiring, leading Sarah to occasionally pause from her labors to spend time with her niece and nephew. They’re pretty cute.

From My Seat is a series of posts written by USAgencies’ employees on a variety of topics. We hope this gives members insight into what we do, why we do it, and provide some financial education along the way. Stay tuned for additional posts in the series in the future.

Notice: Home Depot Data Breach

Dear Members,

In light of the recent data breach at The Home Depot, USAgencies wants to make members aware of what’s happening, how you can protect yourself, and what we are doing to help affected members.

Please read this notice carefully and connect with us with any questions:

(503) 275-0300
toll-free (800) 452-0915
info@usacu.org

Thank you,
USAgencies Credit Union


  • What merchant did the breach happen to?
    The Home Depot stores in the US & Canada.
  • Who may be affected by the breach?
    Anyone who used their Debit or Credit Card at The Home Depot Stores between April 11th, 2014 and September 8th, 2014. Self-service checkout stations are the most likely to have been compromised. People who shopped online and did not use their cards in the store are not affected. PIN Numbers were not compromised.

Continue reading Notice: Home Depot Data Breach