They say they’re from the government and that, using the Affordable Care Act as a hook, they need to verify some information. They might have the routing number from your bank, and then use that information to get you to reveal the entire account number. Or, they’ll ask for your credit card or Social Security number, Medicare ID, or other personal information.
The Federal Trade Commission, the nation’s consumer protection agency, advises consumers not to give out personal or financial information in response to unsolicited phone calls, emails, or knocks on your door. Scam artists want your information to commit identity theft, charge your existing credit cards, debit your checking account, open new credit card, checking, or savings accounts, write fraudulent checks, or take out loans in your name.
The government and legitimate organizations you do business with already have the information they need and will not ask you for it. Then, file a complaint at ftc.gov or call 1-877-FTC-HELP. If you think your identity’s been stolen, visit ftc.gov/idtheft or call 1-877-ID-THEFT. You also can file a complaint with your state Attorney General.