What to do: Set up an account at SSA.gov/myaccount before a scammer sets up a bogus account in your name—the sooner, the better.
You can set up an account even if you have not yet reached retirement age and/or do not yet wish to start receiving your benefits (accounts may be set up only for people who are at least 18 years old).
It works like this: The scammer contacts a victim, claims to work for the Social Security Administration and says that its computers have been breached.
The scammer says that in order to find out which accounts have been hacked and altered, he/she must check whether he has the correct bank and account number for the beneficiary.
In reality, victims who provide the requested information might have their bank accounts robbed and their benefits and/or identity stolen as well.