USPS INFORMED DELIVERY IS YOUR FRIEND. If you area qualifies SIGN UP. Yep, it's spams your inbox each day you have mail with 1 email but it saved my rear today... please at least turn it on when you travel!
if you're after credit card stuff specifically skip this, I'm posting my story due to all the ID Theft discussions we've been having lately (no, I'm not a victim at this point): Been out of town for awhile, went to get the mail at our community mailbox today and the only thing there was a note our boxes had been broken into and mail was being held at the post office. A member of my family had his Barclay Arrival arrive early this week and they tried charging on it today so we think it happened last night meaning they have
everything for the last couple weeks. Thanks to informed delivery I know what personal information the thieves have in their possession. The main things were a couple bank statements, the Barclaycard and... my Chex Report. Dangnabit. (Chex is a report on your bank account inquiries.) It includes my name, date of birth, and last four of my ssn. The last four are listed about 20 times on the report so it's not like they'll miss it if they decide to read the mail. For those wondering what we did:
-Barclaycard (this was my family member's): barclaycard fraud called this morning while traveling, we hung up and said we'd call back. We don't give out any data when someone calls us. We weren't worried as we knew the card hadn't even been activated yet. Called when we found out our mail was stolen and were told small amounts were charged at walmart, a gas station, a donut shop, walmart again and some large charges were attempted but declined. We said it wasn't even activated and Barclaycard said it allowed small charges in a small radius even if you hadn't activated the card. Thankfully they marked all purchases as fraudulent, not like donuts and a coke machine charge are gonna break the bank but still, and are sending us a new card expedited.
-USPS Informed Delivery: while my family member was handling Barclaycard I reviewed every Informed Delivery email I'd gotten since we'd been gone. I googled addresses I wasn't sure of to match them up to the senders (like Barclaycard) and determined what the items were by matching it up with my vague memory of things I know I had coming. We discovered...
---Discover statement, only last 4 of the account and it has like $10 in it, not worried there.
---Chase savings account statement- with the full account number. Chase has fraud protection on the savings account (we just opened for the bonus) so that's good. We enrolled in paperless in branch but that didn't get entered into the system somehow so paper statements were still being issued. While those idiots put the entire account number on the statement (I went online to see what the statement contained) it's protected if we notify them of fraudulent activity on the account. Alerts set.
---Chex Report. As I said "dangnabit!" this was mine and it hurt but it could have been so much worse. I reviewed my last Chex report to see what data they might have and found my name, address, date of birth, last four of my ssn and like 20 bank inquiries because I'm a bank bonus chaser. I'm very unnerved about the DOB and last four of SSN because I know banks commonly use those for id verification on the phone. Alerts on all bank accounts double checked (and I'd missed a couple!). I also bit the bullet and froze Chex and all 3 credit bureaus. Maybe extreme but I'm too unnerved not to take these precautions.
All in all, very glad I signed up for USPS Informed Delivery or else I would have been fretting about what was in there and eventually probably decided nothing problematic and moved on. Chex is shockingly slow, it never would have occurred to me that would have been in there but when I saw it in Informed Delivery then I remembered I'd ordered it.