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Social Security Announces Halt on Accepting Bank Changes via Phone


As of March 12, the U.S. Social Security Administration has announced that it will no longer allow individuals to change their bank account details during phone calls with the agency.

According to the Social Security Administration (SSA), all other phone services will remain available, countering inaccurate reports suggesting otherwise.

“In an effort to enhance protection for seniors and beneficiaries, SSA is removing the possibility of fraud linked to changing bank information over the phone,” the agency stated.

The SSA’s investigation into fraud concerning direct deposits found that approximately 40 percent of such cases stemmed from individuals calling to modify their bank account information.

“The current method of simply asking identifying questions over the phone is inadequate for preventing fraud,” the SSA indicated.

Moving forward, individuals seeking to update their bank account information with the SSA have two alternatives. They may utilize the SSA’s online portal or visit a local Social Security office in person to verify their identity and make the change.

“These measures are consistent with those used by most major banking institutions. All other services provided via telephone by the SSA will remain unaffected,” the agency emphasized.

The Department of Government Efficiency (DOGE), which assists government bodies in combating fraud, announced on X that these changes will take effect starting March 29.

“Social Security is safeguarding seniors by ensuring bank accounts are not modified with minimal authentication,” DOGE added.

Services still available by phone include the ability to change one’s address and phone number or to request updates on benefit application statuses.

The SSA has previously urged individuals to make use of the agency’s website instead of calling.

Social Security benefits are provided to retired individuals, their family members, people with disabilities, and survivors of deceased individuals who had paid Social Security taxes.

The SSA has also faced challenges with fraud through its online portal. From January 2013 to May 2018, the SSA Office of Inspector General reported that around $33.5 million in benefits for approximately 20,900 individuals was misappropriated due to changes in direct deposit bank information made via the “my Social Security” portal.
Criminals have been utilizing stolen Social Security numbers to claim benefits designated for other individuals, as noted by Jeffrey Brown, an official of the office, during a 2023 congressional testimony. One audit revealed that the Social Security numbers of 37 individuals were exploited to illegally secure $4.6 million over a span of five years.
The SSA regularly issues alerts regarding scams and emphasizes that the SSA typically conducts communications through mail.



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