By Seena Gressin
Attorney, Division of Consumer & Business Education, FTC
June 3, 2020
Is a scammer getting unemployment benefits in your name?
Editor’s note: This summer, Butler County has experienced a rise in unemployment fraud. Here are some resources should you run across someone who experiences unemployment fraud.
In a large-scale scam erupting in the midst of the Coronavirus pandemic, imposters are filing claims for unemployment benefits, using the names and personal information of people who have not filed claims. People learn about the fraud when they get a notice from their state unemployment benefits office or their employer about their supposed application for benefits.
If this happens to you, it means someone is misusing your personal information, including your Social Security number and date of birth. Act fast. Here are steps that can help you protect your finances and your credit:
- Report the fraud to your employer. Keep a record of who you spoke with and when.
- Report the fraud to your state unemployment benefits agency.
- If possible, report the fraud online. An online report will save you time and be easier for the agency to process.
- Keep any confirmation or case number you get. If you speak with anyone, keep a record of who you spoke with and when.
- Visit IdentityTheft.gov to report the fraud to the FTC and get help with the next important recovery steps. These include placing a free, one-year fraud alert on your credit, getting your free credit reports, and closing any fraudulent accounts opened in your name. IdentityTheft.gov also will help you add a free extended fraud alert or credit freeze to your credit report. These make it more difficult for an identity thief to open new accounts in your name.
- Review your credit reports often. For the next year, you can check your reports every week for free through AnnualCreditReport.com. This can help you spot any new fraud quickly.
Beware payments sent directly to you
The fraudulent unemployment payments usually are deposited to accounts the imposters control. But sometimes payments get sent to the real person’s account, instead. If this happens to you, the imposters may call, text, or email to try to get you to send some or all of the money to them. They may pretend to be your state unemployment agency and say the money was sent by mistake. This is a money mule scam and participating in one could cause you more difficulties.
If you get benefits you never applied for, report it immediately.
- Report fraud to PA Fraud Hotline 1-800-692-7469
- File a police report with the municipality you resided in at the time the unemployment benefits in question were paid. A copy of the police report must be provided to the Office of Unemployment Compensation.
Don’t respond to any calls, emails, or text messages telling you to wire money, send cash, or put money on gift cards. Your state agency will never tell you to repay money that way. Anyone who tells you to do those things is a scammer. Every time.
How to report someone filing for benefits using your identity
Report Online: To report someone who has filed for UC benefits using your personal information such as your name, Social Security Number, and date of birth without your knowledge or consent, please visit the UC Benefits Website and click “Report Fraud” at the bottom of the page to complete and submit the Identity Theft Form. Do not log in.
Note: You will not receive an auto-response/confirmation when you report fraud online. This does not mean your report was not received. If the department needs additional information, a representative will contact you.