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Hoax Targets Elderly African Americans

"Apply for Newly Approved Slave Reparations!"

"Claim $5,000 in Social Security Reimbursements!"

Flyers with these instructions, circulating in many Southern and Midwestern African-American communities, are attempting to trick people into revealing personal identifying information that could, in turn, cost them money or damage their credit ratings.

The flyers, distributed in churches or placed on the windshields of parked cars or bulletin boards in senior centers and nursing homes, claim that African Americans born before 1928 may be eligible for slave reparations under a so-called "Slave Reparation Act" and that those born between 1917 and 1926 can apply for Social Security funds they are due because of a "fix" in the Social Security system.

According to law enforcement officials, the claims are false. They are being made by skilled identity thieves, who are asking people to reveal their name, address, phone number, birth date and Social Security number in order to access their credit cards or open accounts under their names without their permission or knowledge.

If you receive a flyer promoting slave reparations or Social Security reimbursements, the Federal Trade Commission encourages you to report it to your local law enforcement agency or state Attorney General, the Social Security Administration or the FTC at its toll-free Identity Theft Hotline,1-877-IDTHEFT (1-877-438-4338).

Can you minimize your risk of identity theft? The FTC says by managing your personal information wisely, cautiously and with increased sensitivity, you may be able to thwart an identity thief. The federal agency recommends that you:

  • Never reveal your personal identifying information unless you know exactly whom you're dealing with and how it will be used.
  • Verify the details with any government agency that's involved in an offer. You can find the phone number for every government agency in the blue pages of your telephone book.
  • Read all your bills carefully. Call your creditors to dispute any charge you didn't make or authorize.
  • Order a copy of your credit report every year from each of the three major credit-reporting agencies to verify that your credit information is accurate. (You can reach Equifax at 1-800-685-1111, Experian at 1-888-397-3742, and Trans Union at 1-800-916-8800.)

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling and debt reduction services for consumers with credit problems who want to know how to pay off credit cards and how to get out of debt. Our certified credit counselors have helped thousands of individuals and families nationwide pay off credit card balances and unsecured debt through credit card relief programs and credit card debt solutions. Our debt management plans provide a kind of personal debt consolidation strategy for help getting out of credit card debt, and we offer a wide variety of financial education services to consumers who need help getting out of debt and managing their finances more effectively.

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