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Published: Feb 10, 2010 8:02 ET
CHICAGO - - Identity theft and fraud have ruined Dave Crouses life.
In less than six months, some 900, 000 in merchandise, gambling and telephone-services charges were siphoned from his debit card. His tries to salvage his finances have cost him nearly 100, 000 and have absolutely bled dry his savings and retirement accounts. His credit rating, each strong 780, is decimated. And his identity - - Social Security number, address, cell phone numbers, even historical information - - continues to be used in efforts to open cards and accounts.
I have zero identity, said Crouse, 56. I have zero legacy. My identity is public knowledge and although its ruined, theyre still utilizing it.
It really ruined me, he stated. It ruined me financially and emotionally.
Crouse is one of the 11.one million adults - - one in each and every 20 adults - - this past year who have the dubious distinction of smashing the record with the number of identity-fraud victims inside the, based on a recent study by Javelin Strategy and Research. That figure expires 12% over 2008 and is also 37% prior to 2007. The cost to your victims: a collective 54 billion.
The odds never been higher for to become fraud victim, said James Van Dyke, Javelin president and founder. Its a straightforward crime to perpetrate, against the law thats very difficult to catch when completed in a sophisticated manner and a criminal offence in which enforcement is extremely limited.
Crouse can confirm that. Once an enthusiastic fan of internet shopping and banking, the Bowie, Md., resident would auction on, download songs from and rehearse his ATM card just like a credit card.
He first noticed suspicious activity as part of his account in February of 2009 for small charges of 37 or 17.98. He had an entire-time job then and was spending beyond an account that generally held 30, 000.
All of your sudden it got bad, he explained. In August the fees hit hugely - - 600, 500, 100, 200 - all accumulated from 2, 800 to a few, 200 a single day.
He called his bank immediately and started what began a tiresome technique of filling out what he explained finally amounted to about 20 affidavits swearing that she was not responsible for the fees. He said at some point he filled in an affidavit in regards to a charge and also the next day the financial institution had accepted similar charges approaching 4, 000.
At the period I was going for the bank daily and looking at everything, he explained. He had enough time then. Five months before that she had been fired his 180, 000 12 months construction-industry job.
Now he is at a double bind: His 2, 300 per week net income had dwindled to 780 in unemployment checks every 2 weeks and his accounts were getting drained daily - - despite if he closed his debit account.
He opened a whole new account at a different bank plus the next day both accounts got hit that has a 1, 100 charge. The new bank told him that it was keystroke malware which have likely done him in. Someone had hacked into one on the sites he visited regularly, his computer got infected and acquired all his private information by tracking every key he struck.
While much in the fraud originated online purchases and also at gambling sites, there was clearly new accounts opened in numerous names but connected to his bank-account. There was one purchase of an plasma TV from the Best Buy in Florida that has been shipped to your Brooklyn., address. In another case a female in North Carolina was writing out checks stuck just using his account.
It was nasty, he stated, admitting he even contemplated suicide. I just couldnt get it. I didnt feel being a man anymore. I was violated and I didnt can deal.
Identity thieves steal mostly through two means, in accordance with Michael Stanfield, us president of Intersections Inc., a risk-management firm. They take a recognised address and phone quantity of an identity which has some value, he stated, as being a doctor or maybe a lawyer. In many instances, they're able to go to your Internet and obtain the matching Social Security number as little as 50. They then plenty of information to obtain an address changed with your banking accounts or a debit card account. They make application for new accounts since you.
Others control existing accounts, Stanfield said, through keystroke malware which you - - and doubtless hundreds and even thousands simultaneously - - have acquired through the Internet.
Listening software then sits using your laptop, perking up when you go to some bank site. It copies your complete key strokes - - your user name, password, challenge question, account numbers, everything.
You leave as well as the bad guy goes right last behind you, Stanfield said. Weve seen examples where that's occurred and it is gets fixed and also a month later the pc gets cleansed again and hubby becomes a whole new victim, even with a whole new account.
Its a terrible event and its particular happening every minute with the day to someone, Stanfield said.
According to Javelin, the variety of fraudulent new credit-card accounts increased to 39% of most identity-fraud victims during the past year from 33% the year before. Fraud from existing credit-card accounts rose to 75%. New username and password opened falsely over doubled from 2008. The study also learned that 29% of victims said new cell-phone accounts were opened deceptively.
Identity theft is indiscriminate, cutting across all age and income levels. But those most vulnerable are those that spend one of the most and that is usually middle-income families. Those possibly to miss fraud are generally 18 years of age to 24 years of age, since they dont pay enough focus on their accounts and - - though nearly all are technologically savvy - - theyre not protecting themselves from the worst of technology through malware, viruses and Trojan horses.
The more you transact, a lot more youre at an increased risk because you leave a trail behind, Van Dyke said.
Criminals utilize in-store and on the internet purchases to steal usually, making up four in 10 cases of fraud, in line with Javelin. Some 20% of victims also have their information familiar with make phone or mail-order catalog purchases.
A lots of these crimes can be extremely a battle of who is able to get their hands on by far the most information, Van Dyke said. Remember too that all identity fraud is committed by strangers. Last year no less than 13% of ID crimes were committed by someone the victim knew, just like a family member or friend.
As for Crouse, the effort extended into other locations of his life. He fell behind on paying debts - - although mortgage about the house his ex-wife and 2 sons have a home in was kept current - - and tallied up myriad additional fees, higher interest costs and penalties. One son dropped away from college and another is reconsidering where hell go as a consequence of costs.
In the meantime, he was having problems finding work. With a doctorate degree in organizational psychology plus a longtime veteran of contracting have federal facilities just like the FBI as well as the Secret Service, Crouse was getting high acclaim in interviews but no calls back. Finally one recruiter told him that companies were turning him away because his credit history were so poor with his fantastic debt was mounting. As a result, his security clearance to figure on government buildings was yanked.
It affected me. It affected my livelihood. It affected my whole family, he stated.
He finally found work, though he took an important pay cut as they lost his clearance. He figures hell be 61 by enough time he crawls outside of the debt the fraud caused and is particularly able to rebuild almost any nest egg. Hes sold the majority of his prize possessions, including a 1993 Corvette and assorted bits of gold and silver. He uses coupons now, shops food sales, even eating things he doesnt like for instance macaroni and cheese because theyre cheaper.
Its much like Im way back in college, he explained.
His advice to others: Dont touch Web sites that include free things or 30-day trials; never give out personal data; and also keep your receipts.
Javelin has tips for what it calls prevention, detection and resolution of identity fraud:
Keep sensitive information from prying eyes. Request electronic statements, use direct deposit, dont put checks in unlocked mailboxes. Dont offer your Social Security number and secure all personal and financial records in locked storage devices or behind your password strength. Shred all sensitive documents.
Prevent high-tech criminal access. Install antivirus software on your pc and keep it updated. Never answer requests form of hosting or account information online or older the phone. Watch out for convincing imitations of banks, card companies, charities and government departments. Dont divulge birthday, mothers maiden name, pets name and other identifying and information that is personal on social websites sites like Facebook, Twitter, LinkedIn, etc. Be creative with passwords and dont access secure Web sites using public Wi-Fi.
Keep close watch over activity in existing accounts. Monitor bank and credit-card accounts weekly, even daily. Sign up for alerts for your phone or e-mail accounts. Javelin learned that 43% of reported identity-fraud cases are spotted through self-monitoring.
Keep close watch on new accounts. Monitor your credit and public information to distinguish unauthorized activity. Get those free credit files and consider fee-based services that monitor those actions for you.
Resolve identity fraud quickly. Report problems for you bank, lending institution, protection services as well as the police immediately. Make sure your financial provider offers zero-liability protection for debit and plastic cards.
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Jennifer Waters is usually a MarketWatch columnist headquartered in Chicago. Follow her on Twitter JenWatersMKW.
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