As you may or may not know, Friday was my last day of high school. All well and good. I came home at like noon, took a nap, woke up and was on the computer for a little while. Then the phone rings: It’s someone from my bank calling, asking me if I sent a wire. I didn’t even know what a wire WAS, so I said no, and the bank teller said that she must have the wrong member, and we hung up. After about a minute she calls back, and Mom answers. Mom talks to the lady and the bank lady tells her that I supposedly wired my $700 savings to “my cousin” in Eagan, Minnesota.
We hurried to the bank and found that whoever it was has my social security number, my home address, my last name, phone number, everything. They even got my signature because they requested my last check (which was my second to last check really), and it turns out they lifted my signature off the FAX of the check and copied it onto the wire request form. The person apparently used a relay for the hearing impaired (the hearing impaired person types to a person who’s making their phone call for them, who is typing the other person’s responses to the hearing impaired person–hence, relay) to hide their voice or make their call untraceable, leading me to believe they either have practice at this and/or are male. I’m thinking they probably got a hold of my information from an unsecure information transaction from eBay, but I can’t say for sure.
I took all my money out and closed my accounts, except for the $26.40 that my last check was written for. I really lucked out in that the ABA routing number that the person gave the bank was incorrect by only the last digit, and once the wire reached my bank’s main office in Parkersburg and hit the wall between there and Eagan, MN, the wire bounced back and the money came back into my account. The bank called me after the bounce, and I was able to recover all of my money. When we got home I called the SSN fraud hotline, Experian, Equifax, Trans Union, and the Federal Trade Commission. You can do close to nothing on a Friday evening, let me tell you. But luckily the wire form has the name and address of the fraud’s credit union, which I verified online, and a name of this supposed cousin, whom we think is either the thief, an accomplice, or another identity theft victim.
On Saturday Dad took me to the county police department to file a report. Turns out since the crime happened in the mall, it’s under the city department’s jurisdiction. They also couldn’t find any record of this Carole J. Pearson person, but I assume they checked a criminal database specifically, and if they’re still stealing identities I doubt they’re in that database anyway. After that I went to work, and Dad did some research at home. He found the name Carole Pearson, and their address and phone number. So we know that she exists, although not so much her role in this issue. At least for that..
On Sunday at work, I had nothing to do, and so I went to check my e-mail. I had nothing in Gmail, because in the middle of the day I usually don’t. I decided to check my Yahoo account for lack of anything better to do, and I have one new e-mail. It’s a notification about having forgotten my Gmail password from May 15th (Thursday), telling me how to go about resetting my password. I have never forgotten my password for Gmail, so I was a little confused. I went back to Gmail and double-checked that that’s how you get that specific e-mail, by saying that you can’t remember your password. I knew this was too close to the wire incident chronologically to be a coincidence. I vaguely recalled getting another password e-mail elsewhere that I hadn’t asked for, but I didn’t check that one until I got home.
When I got home around 4:00 I checked my Gmail account, and sure enough, there was an e-mail from Paypal from May 12th (Monday) that gave me a link to a password reset page. I remembered not knowing why I had gotten the e-mail when it actually got in my inbox originally, and it also being chronologically too close for comfort I first called Paypal’s 800 number. It was basically a waste of a call, so I went downstairs onto Mom’s computer and printed out both the Paypal e-mail and the Gmail one, and put them in my ever-growing folder of identity theft-related paperwork. Then off we went to the city police department’s office in City Hall. I talked to Officer Bettis for maybe ten to twenty minutes; he said that he was going to go talk to the tellers at the bank for clarification and that he was going to call the local FBI. He gave me his card and wrote the report number on the back of it, and Dad and I left.
Monday morning I woke up to find Dad lingering around the house phone, and Mom talking on it. A bank teller was on the other line, saying that the person had tried to gain access to my bank account again this morning, but they had told them that their computers were down. They asked them tons of security questions, even my mother’s maiden name, and the person knew all of it. The teller couldn’t outright say no to someone who knows so much of the account information.. But they did give the wrong birth year, if not just by typo’ing to the relay operator.
After that phone excursion Dad took me to our local Social Security Administration office in hopes of getting the ball rolling with changing my social security number. We waited for maybe half an hour for the chick at the counter to tell me “No, we don’t change social security numbers for that,” even though the Social Security Administration’s brochure on identity theft says that they do change social security numbers if other means of protection fail. I was livid. Dad and I made a run to the bank so that he could check on his account (and, as he says, to see if the tellers knew who I was; which of course they did, they had just called our house an hour or two earlier), and then we went home to make more phone calls to the credit bureaus and to the social security fraud hotline, none of which were ANY help whatsoever.
Around noon Mom took me back to City Hall so that we could get the written police report, but the people at the desk said that I had to wait for Officer Bettis to come on duty at 4:00, so I went in to work around 12:40 this afternoon. After work, Mom picked me up, and we went back again, waited about twenty minutes, and talked to the cop about what happened this morning. He really couldn’t do much of anything, but we did get a copy of the complaint to show the Social Security Administration office in Winchester, where they said they could get me a new social security number with the right documentation. I have to wait until Saturday at least, though, which really bothers me.
Today after graduation practice Mom took me to the bank to get a typed and signed statement from Suzy at the bank, who told us that the bank in Eagan had called to ask about the wire on behalf of Carole J. Pearson. After that Mom and I went to the FBI office in Martinsburg. We went up to the U.S. Attorney General Office (apparently) on the fourth floor, and eventually got to talk to an FBI agent. He was well over six feet tall and had a Snively Whiplash mustache. This guy knew what we were talking about and actually seemed concerned. He was the first person outside of my family to realize how sophisticated this theft is. He gave me his business card and told me to call him if anything happens, and told me to submit a complaint to IC3, which I did when I got home. After that I put all the paperwork in order by date and by order of receipt, then I put the little papers in a little envelope and now everything is in chronological order for the next time I have to show someone those documents. This way I’ll have plenty to show the SSA in Winchester, and I can get a new social.
After I get my new ssn, then I can get a new bank account, and now I find that this is really all I can do in hopes that this never happens again (see LifeLock article from Yahoo.com). Until then, my identity is still stolen, and they could still ruin my nonexistent credit. I am 18 years old. I just finished high school, literally. I’m going to have to change my social security number, I had to close my bank accounts, I’m honestly surprised that I don’t have to change my name since they have all the information they need to get my new social security number (if they persist.) I really hope the police catch them, or at least they stop using my information. This is an absolute nightmare.
Original Post Date: May 16 (Friday)
Update: May 19 (Monday)