An identity thief stole my phone!

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Identity theft can happen to anyone. I’m a fraud investigator, and I’d like to tell you about my identity theft. Knowing how to respond will help you if you ever have to recover your identity.

My purse was stolen recently. Charges appeared on my credit cards before I even knew it was gone. I knew I had to act quickly to protect my identity, so I went to IdentityTheft.gov. It’s the site where you can file a report and get a personalized recovery plan. My plan involved putting alerts on my credit reports, notifying my bank, canceling all my credit cards, and getting a new driver’s license.

But the thief also got my phone, which had everything on it. Contacts, photos, other valuable (to me) data. The thief turned off my phone, so I couldn’t locate it using the “Find my Phone” feature. Even though I had a strong password to lock my phone, I didn’t want to risk the thief getting into it. I was able to send an erase command that will wipe the device clean, once the phone connects to the internet. If I’d done a backup recently (which you really should – in fact, go do it now), all of my data would have been safe. But I hadn’t, so I lost some photos and files that were important to me. Seriously: go back up your phone.

This led me to realize: there was a lot more I needed to do to protect my digital identity. Whether you’ve lost your device or you want to be prepared, here are some tips you can take to protect your digital identity:

Smart Phone:

  • Lock your phone. Use at least a 6-digit passcode on your device, or use the pattern lock or fingerprint scanner. Set the device to lock when not in use. This is especially important if you use a mobile wallet or money transfer apps.
  • Update it and back it up. Back up your device regularly and make sure automatic updates are turned on. Backing up your phone regularly and automatically makes sure that you’ll still have your stuff – if it disappears.
  • Get help finding your phone. Install and turn on Find My iPhone (iOS) or Find My Device (Android). These apps could help you locate your device if you lose it. If your phone is stolen, these apps also let you remotely issue a command to erase your device – even if a thief turns it off.
  • Alert your wireless provider if your phone is missing. Make the call as soon as you know your device is missing. They can permanently or temporarily disable the SIM card to stop someone from using the device for calls or the internet. It helps, too, if you have a record of your phone’s serial number or IMEI number (a unique identifier for your phone).

Accounts:

  • Turn on two-factor authentication. That means you’ll give your password and a second way to prove that you’re you. This extra layer of security makes it much harder for thieves to get into your accounts and lock you out. Many providers give several options to authenticate your identity, so be sure you have a backup method (like one-time use codes or a backup email address) in case you don’t have access to your device to receive texts or phone calls.
  • Know which devices have access to your accounts. Many social media sites and email providers, and some phone operating systems, let you view the logins for your devices from the settings menu. You can remove devices from the account, and log out of the site remotely using a computer or another device. That’s handy if ever you lose your phone, tablet, or laptop.
  • Check your log-in and account notifications. Many email and social media accounts can notify you if a new device connects to your account, or if someone tried to change your passwords.
  • When in doubt, change your passwords. If you’ve lost your device, change your passwords. Many of us set our devices to remember passwords – which could mean that someone who gets your phone could get access to your accounts and personal information. So: if you lose your phone, change your email, social media, online banking, shopping, and other passwords right away.

For more tips on what to do to protect yourself from identity thieves, check out ftc.gov/idtheft.

Tagged with: identity theft

Comments

Very good article.

So far so good,you leave off the phone ghosting bit where they mimic your phone with just your number, yeah, that is not just not science fiction it is technology today. So you need to be ready to change your phone number to disconnect the two part authentication and you will need to then think of another way to authenticate. Using a Google Voice number may help with this but still we have work to do on authentication this is not over how to prove you are you. So sucks. And the questions chosen are generational made up by mostly post-millennials who knew their 3rd grade teacher's name or a millennial who just got married with a best man or a maid of honor. LOL

My original, bought on payment plan through ATT, iPhone, developed issues where on or another portion of its screen would simply fade out. I asked for, and received, a no charge replacement iphone (same make and model) very quickly. This was my first experience making a claim for an iPhone that for no known reason, does certainly develop a problem. The outcome was swift; the outcome results seemed fine...at first. But, 2 weeks into using this refurbishing iPhone (you never get a brand new one as a replacement), this new iPhone begin having a different set of problems. I called ATT’s iPhone tech support group again, and while one tech support guy was working on my iPhone with silence between us, he suddenly, as if out of the blue, stated: “This is a fraudulent iPhone!” I’d never heard iPhones could ever be fraudulent, but I asked him “what now?” and he said I needdd to call ATT management and tell them. I was laughed at; evidently this manager didn’t believe iPhones could be fraudulent either, or didn’t want me to know he did. That still left me at a loss... another “Now What?” Moment. Since this iPhone came from ATT, should I take it to the Apple Store directly, I could just hear ATT blaming Apple store personnel, APPLE store personal blaming ATT tech personnel, and me stuck, phoneless, in the middle. No resolution here! I went back to ATT Tech Support. This time, a Tech staff employee showed me that 1). This particular iPhone was loaded with both iPhone 5S software, AND iPhone 6 S PLUS software. 2 different versions of software BOTH loaded on THE SAME IPHONE.! Not good. Further, all iphone 6’s have their uniquely identifying software EMIE number printed on the rear, or camera lense side of the iPhone. Apple had NEVER before, during a device’s manufacturing, printed that iphone’s solely identifying EMIE number on the outside of any of their previous iPhones. Prior to iPhone 6 models, ALL EMIE numbers were either found in the iphone’s Settings Menu, or even on the protective sales box the iphone and its accessories (cord, earphones, etc.) were initially sold in, but never...not until Iphone 6’s could an iphone’s Personally identifyining EMIE number be found on the OUTSIDE rear of the phone’s iPhone-designed and identifying back case side, where the phone’s camera also exists, as most photos, one expects they will take not of themselves, as selfies, but of outwardly seen objects, as at a zoo or of ones kids. But that is the side where iPhone 6 EMIE numbers specific to you each iPhone, like a personality, can be found, as printed there not on some add-on sticker, but directly into the back of the iPhone. It’s chosen phone color, having the black text of the EMIE number displayed right on the back as if part of the manufacturing work done just before another iPhone 6 leaves the original factory, or is ever used a first time.

*Another Oddity*

I began to find that my login password kept having to be re-added. Just to check, since used passwords cannot be reused for usually 12 months once first used, I could re-enter my same password again and again. My first thought was that this refurbished iPhone 6S Plus, had some sort of internal software problem that caused it to innocently “forget” the existing password. It hadn’t been changed, no it was just “absent” for no reason. But the problem grew worse after a couple months. Soon enough, indeed, I did have to reset the password. It grew worse still, when my forever used login ID no longer worked. So I had to reset both. Not long after that, my refurbished iPhone 6S Plus no longer recognized EITHER the login ID or password I had given it. I contacted customer support over this, and at that time, also explained the initial smaller oddities I’d taken note of. Somewhere along in here, I also noticed, it seemed, that the last four digits of my banks routing number were not was I thought I’d recognized. But since it seemed I could still get into my account, and since it seemed all the charges listed on my account register page on my bank account I all recognized, I didn’t give that much more thought.

This past Friday, I began on chat session with my bank’s chat-type customer service staff, I would get so far into telling the story of my problems with the phone, and the chat session would disconnect. Later on, one of the bank’s chat staff told me my account had been placed on “HIGH ALERT,” but they would say no more about it. This continued on with others I chatted with online, until at one time, a department supervisor took my chat call and need the end began telling me what being on thisHIGH ALERT status meant for me: it was, she said, in not so many words, because even though I had been with ATT for a good ten years at this point without every having an issue, now, it was aluded, I couldn’t be trusted. When I pressed for further information, this supervisory abruptly ended our chat session. So now, extremely frustrated and downright angry, it going on past 9:30 PM, when I had been at this since 10:30 AM, I called back for another chat session. This time, I got someone more sympathetic who don’t me as to this HIGH ALERT business, it was not my fault. Something, he said, is going on that makes ATT concerned about your account. One thing is that if the account has chargebacks, or if there are duplicate payments, ATT has no choice but to close the account due to some kind of shannanigans with my account going on, but ATT did not know what. I thanked this person for all the useful information and he told me to contact ATT’s Fraud Department first thing Monday. I got off the chat session, and then my phone wrang. The caller ID, one I had seen repeatedly throughout the evening sympathetic said “caller unknown.” This last time, I took the call. A woman with a thick oriental accent asked me if I was trying to resolve issues with my phone; adding “I can help you.” I did not trust her, or what she had to say, or the fact that she had called me after 11 PM that Friday night. I told her I was satisfied with those I did have working on the problems, and hung up on her. She never called back. BUT another very exuberant American female then called me, and at the time seemed very sympathetic and concerned. I SHOULD have asked her he she was and what part of the bank she worked for, but the way she sounded, and the feelings of newfound ease caused these questions not to occur to me at the time. For the past week, I had been battling the worst cold I’d had in decades. From she called, close to midnight that Friday night, we called more about my health issues than anything else. She told me to get some rest and she would start in contacting the fraud department first thing Saturday, and let me know what she found. I asked her not to call me before 11:30 AM on Saturday as I really needed to sleep in and get over this cold. I don’t recall sharing much in the way of details about this issue; and retrospectively, I now find it curious how she knew so much about what I found troubling without my having told her. I’m a way, she was a cheerleader personality type, and that was just what I needed right then. Somebody to please take this thing on so I could rest. It seemed she was like someone I knew for years. I was so I’ll, so bear down, I hung up the phone and immediately went to sleep.

I was up before 11:30 AM, expecting her to call with updates anytime thereafter. No call ever came. I called the bank’s fraud department ph number, as this woman had pointed me to within the many bank’s web pages, and attempted to call the bank’s fraud department. I learned the fraud department was only in operation from 8 AM to 8 PM, Monday through Friday. Hmmm. I went back and looked at my online bank register. Something new had been added. The name of who had taken a withdrawal from my account was not one I recognized; made all the more peculiar because: 1) I had deliberately NOT been anything withindrawals over the past two weeks; having founded concerns as I saw them, that just maybe weird things were happening in my account, and 2) the name of whoever took this withdrawal of $80.14 was neither a name or a purchase amount i recognized. Finally, the stated name of who took this withdrawal was clearly of far eastern origin. At this point, I need to rest an recooperate. I have no resources left to deal with this mess. Still, I do have concerns if my bank should close my account. The BIGGEST of those is that I receive my main source of living income just once per month; and from past experiences, I KNOW this entity’s “threat” to allow it 3 months to change who or rather where I have my electonic deposit sent to. Swell. How am I to eat, pay bills, feed my kitties before the local shelter comes looking for me regarding my animal neglect ways;?even have a roof over MY head, if this company cannot provide changes to its employees? Go stay with relatives you say? I. DONT. HAVE. ANY. RELATIVES. LEFT. Is the only response I can
honestly. live. FEW people have no relatives. Well I’m one of those few, and that’s my unfortunate reality; with it fits YOUR idea of life in America or not. It’s MY life. It’s MY reality. Maybe it’s time you and the rest of the majority begin thinking outside that comforting little box who come to see all life fits inside of. It ain’t always;?in fact, it’s rarely the world we’ve fantasized as “the real Ione,” that if it does not fit our preconceived ideals of “the way life is, and how the world works,” we tend to become unglued. And you can bet that ungluing will occur in our lives at the worst of all times.

The Boy Scout Motto is the ONLY montra making any realistic sense:

“Be Prepared.”

It's all getting too complicated. Pretty soon we'll all be back to using smoke signals.

Going back to a phone that was just a phone is looking more and more appealing.

SIM cards are generally pretty easy to switch out. I have a flip phone for when I camp, travel, or go to concerts. That way I don't ruin, lose, or have my smartphone stolen.

I love this article. Even though I know this stuff (as a retired computer geek), we all have our weak points.

I spend a lot of time on the computer every day. I keep a list of all accounts and sign-ons/passwords on a passworded file on my PC, which is 3 pages long. The most active accounts like email, bills, banks accounts, etc are on page one.

For the in case of death part (I'm 60+), I have a list of all my financial accounts in one area, next to all my credit card accounts. This article reminds me that I should add the CC contact phone numbers though.

I choose not to keep any financial data on my smart phone. I just feel safer that way. The most personal thing on my phone is my safe combination hidden as a phone number under a normal sounding name, ha ha ha. My $200 is not worth stealing.

One of my friend's attorney recently drew up a digital power of attorney for her giving a designee authorization over her accounts if disable or deceased.

I, too, am 60+. I have a hard copy (non-digital) record of all my important personal information, including passwords, bank account numbers, safe combination, and the like together in something I call "my death folder." I keep it in a particular place and have told my children for years to go to that folder when I die— that they'll find everything they need there to handle the business side of dealing with the death of a parent.

There's still value in paper and pencil, so to speak.

I have the same setup, and I gave a copy to one of my kids. Spreadsheet from my mind, that I don't have to remember, and I'm 70+. I need to get with the phone locks it seems, don't use it for finances, but!

Yesterday I received a phone call at 5:54 pm, caller ID said Social Security Systems with a 9192874599 phone number. Did not answer, no message was left.
Googled the above name, only the Philippines uses the word Social Security Systems for their program. Reported this information to Social Security as I do not want someone to get scammed by this caller.

Good article. Will use with Seniors !!

Good info but I wish to add another dimension. My phone has a removable micro SD card. I no longer keep anything sensitive on it after a scare when I thought I had lost my phone. I could have encrypted the card but I didn't want to go through the trouble, a mistake in retrospect.

I would add to pin protect your sim card . Yes , once in a while , when you'll reboot your phone, you will have to enter your pin but you might also avoid getting a very expensive bill if someone use your otherwise locked phone sim card in another phone/tablet to watch Netflix , call relatives oversee or use any other scheme to extort money from your account .

thank you! this was helpful to me

A lot of the phones are actually used for two factor authentication (2FA). If your phone is stolen, the recommended action would also be to contact the companies where you have to set up two factor authentication and disable the 2FA associate it with your old stolen phone and reassociate 2FA with your new replacement phone.

I am in Thailand when it happening to me by " I get slap by retire police slap my face taking my phone from my hand happening about 3 year ago, police report I still not getting my phone back, the police do noting, this is happening in Bangkok Thailand I am US Citizen and 73 year old I am now 75 it very bad but it happen lucky I am still alive.

Good reason to never go to Thailand. Our sorry government could help but won't. If they had no tourist you would see a change. They chance the dollar like all politicians.

Thank you. This is excellent information. I shared it with family and friends.

I'm very disappointed that this article says nothing about enabling encryption on your Android phones. At least Apple iPhones by default encrypt your data at rest (depending on where it's stored) when you enable a pin code. This is very disappointing considering I got a link to this article from the Department of Homeland Security.

The email I got had a link to this article and one to another article, which does mention encryption: .us-cert.gov / ncas / tips / ST05-017 I do agree that this article also should mention encryption. BlackBerry and Blackberry/Android also encrypt by default when passwords are set.

I'm trying to tell my boyfriend about all the stuff I've read on your websites about identity theft,all he does is get mad at me for being paranoid he tells me he read this stuff but if he did he wouldn't be so sloppy about his personal information. It's putting a huge wall between us. I believe he's more concerned that someone was sneaky thieving,jerk got one over on him and that makes the thief smarter than him. Could you send some lititure to him make hell read it or listen if it's coming from someone other than me? We've been robbed continues stuff her and there to be honest I think they tract where we are with are phones to be able to no when we will be at home somehow street view ended up in our phones and a lot of times we will pull our phones out to use and they will be on??? Or SVOICE will be on screen

I'd also suggest not doing things like updating your location on things like Facebook. If a thief knows you're not at home, and where that home is, your inviting them to rob you.

Your comment on June 12 was helpful and an eye opener. I'm more aware now. Thanks.

Had my iPhone stolen and have done all these recommended steps. So thankful I backed everything up to the cloud!

Verizon only gives you so much on their plan to up load to the cloud. Best advice, put everything on a USB, until they come up with another way to stores and save information.

Hello, I really like to help, but I know how to use computer skills. I'm just a high school teacher who teaches philosophy and enjoys advanced math. I am asperger I do not understand computing technically. I would love to learn. How to understand the alphabet of binary codes is a philosophical analysis that I propose lately. I ended up being a Harckers victim. Anyway I am a good student if any colleague proposes to teach me this wonderful language I would like to cooperate in what I can.

How to back iup info to iCloud

Very informative but scary to think this has become so common. These are all good tips--because of this article TODAY I'll take all of the banking monile apps out.

The Deaf community in Haiti will take action to have their smart-phones and their accounts protected.

CAPPA-Sourds-Haiti

protect my p.c. and phone

All the more reason to go back to old school ways- landline.

Great info. Thanks!

Just a note on the security in Two Factor Authentication: If your cell phone is missing or stolen and the thief figured out your password (otherwise he wouldn't be at the point of getting the second factory) and second of the two factors is to send a text to your cell phone with a code, a phone which the thief now has... do you see the issue? Or am I misunderstanding the process

Security should never be an additional duty rather dedicated and work closely with IT to secure and keep secure networks updated software and anti-virus. The problem is way too dangerous on-line and everything keeps migrating to it or required!

Be cautious of a scam going on where SIM cards are being mailed from Eastern Europe (Latvia) don't install a SIM card you didn't get from your phone company.

what will i do now

I recently lost my phone at home so I had my ex husband who was standing by me call my phone. He did than as it was Ringing a lady had answered. He hung up with a weird look on his face . So I had asked him what , he answered some lady answered you’re phone. So when we finally found my phone inside the house we called my phone and eat it si

Thanks u sai.

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