Social security and banks

Discussion in 'General' started by Rollin Cr00k3d, Mar 18, 2012.

  1. Can someone access my bank account if they know my social security number?
  2. I'm sure someone can, but I doubt the average Joe. Elaborate on access
  3. Is that all they know/have?
  4. that's all they need...the rest of the shit is easy to get.

  5. Name, but I'm pretty sure you can figure that out anyway by having the number. And to answer the other poster, I can't really elaborate on "access" haha. By "access" I mean be able to enter/use or in other words "access" ha.
  6. they may be able to do something with the number online or over the phone. but I doubt using it somewhere in person would yield the same results, due to the person probably needing another piece of ID.
  7. #7 nascarfan, Mar 19, 2012
    Last edited by a moderator: Mar 19, 2012
    If my bank is anything to go by, technically yes. I can get into my account, her my balance and info over the phone with my SS, I can also move money within my accounts.

    Otherwise, I need other information to move money into another bank's account. I suppose you could get that info. But even requesting account numbers, there are other back ups with my bank. Security questions, phone number recognition (like if you're calling from a number not on file for your account), stuff like that.

    So it's possible, but I'd say you're a lot more likely to have your check card/credit card number stolen. Especially if you buy shit online. The bitch of it is, you don't even need to buy from sketchy sites. These little bugs called keyloggers can fuck you. Advertizers can also run ads and other sorts of scripts on legit websites, containing malicious codes, that the site owner is almost certainly not going to know about. And the one absolute certainty of any online site is advertizing. Processing companies can also have their databases hacked. If the site is processing their own transactions, they can be very easily hacked, unless they can afford the security that the big wigs use.

    It's all a risk. But really you just have to keep an eye on your account for anything suspicious. Most of the time, it's not that hard to prove you didn't make the purchases, and if you report it in a timely manner, most banks (especially credit card companies; credit cards are actually a lot safer to use online than debit cards) offer limited, or zero liability for fraudulent purchases.
  8. The biggest threat you face with a stolen SS is having someone take out credit in your name, not accessing current accounts. Even though it's possible, why go through the trouble when you can open a whole new credit account with very little effort?

  9. Why? Because if they open a credit line in my name where do you think the bill is charged to? My accounts. If they open a credit line in there name, it's out o there funds.
  10. IDK about other banks but at Bank Of America if you go into the branch and you dont have your debit card all they ask for is your name and social to find your account. They never even ask me for any ID.

  11. I know it's probably more likely to get a credit card number stolen, but my social security card was actually stolen. The bullshit Social Security Office told me that even though someone stole my card and knows my number, they won't do anything or even let you change your number until you PROVE that they are somehow using your number and have already started doing identity theft. How fucked up is that!?
  12. #12 nascarfan, Mar 20, 2012
    Last edited by a moderator: Mar 20, 2012
    Your bank account is out 0 funds. But think about it. Who opens a line of credit with a stolen SS number in their own name? No one. A criminal opens a credit line in someone else's name, with someone else's SS number, because that's identity theft/fraud. I'm not taking about anything attached to the accounts you currently have. I'm talking about a whole new account, with a whole new institution. Ever gotten a credit card offer in the mail? Really easy to sign up for, not a lot of security checking. Institutions just assume if you've got the social, you're the right person. They're not going to pay the bill. Your credit score will be, essentially, destroyed, if you don't pay what they ran up, that is.

    Now of course these things can sometimes be resolved with the police, but it can still take years to right; in some cases it can take 7 years or more, because credit score agencies don't like fixing mistakes. They really don't. Meanwhile, you either can't get financed for anything, or can only get financed at an incredibly high interest rate. And you'll probably have debt collectors calling you all day every day (they will track you down). So yes, this sort of thing can definitely cost you, if not money, than the chance to own a nice car, or a home.

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