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Q: Considering that we moved back to Brazil, our bank account was changed to an additional bank since we do not have Citibank here where I live. I’m receiving Social Safety benefits directly with the bank HSBC, here in Brazil. My question is: I simply received a letter informing me that my Social Security repayment for May 2013 was sent out to my previous Citibank branch. In order to alter back to HSBC, they’re asking me for my old routing number and my account number for Citi. I don’t have them anymore, because 2008. How can I get them?
– Helena T.
A: Helena, remember to be suspicious whenever you get any unwanted mail, e-mail or telephone call that requests individual or monetary details. When it come to a rerouted Social Security payment, it can be an effort to steal your identity or a legitimate mistake.
It’s odd that the letter claims that your Social Safety repayment went to a certain branch of a bank when check repayments are sent to your address and direct deposits go straight into an account. It’s more doubtable that the repayment was allegedly sent to a former savings account when repayments have actually been showing up in your brand-new bank account until now. Lastly, why’d you be asked to provide details for an old account when you should be required to provide your HSBC account details?
All the signs point to a scam.
First, you ought to validate the authenticity of the letter that you allegedly received from the Social Protection Administration. Call, email or write to the SSA to clarify the scenario on your Could payment.
In the event of fraud, you’ll have to a file a scams report with the SSA and offer the right address or savings account info to start receiving your benefits as usual. It might take some time for the SSA to change the missing repayment. It’s better to choose direct deposit due to the fact that there are no payment checks in the mail to be stolen.
If you’ve a UNITED STATE mailing address, you can establish an online account with the SSA. The online account permits you to check your advantage and repayment info, change your contact details and handle direct deposit of your benefit payment.
If the rerouted repayment was an error by the SSA, it could indicate that your Citibank account is still active (and possibly incurring charges while you are left in the dark). You should call Citibank to reclaim your account and move the money to your HSBC account. After clearing up the scenario with the SSA and guaranteeing that future benefit repayments will be sent out to the right destination, you can proceed to close the Citibank account (ask for written confirmation that the account has actually been closed).
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