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FBI Reports an Increase in SIM Swap Scams 

Posted on February 17, 2022

The Federal Bureau of Investigation (FBI) is warning of the increasing use of Subscriber Identity Module (SIM) card swapping by hackers to steal money from bank accounts. From January 2018 to December 2020, the FBI Internet Crime Complaint Center (IC3) received 320 complaints related to SIM swapping incidents with adjusted losses of approximately $12 million. In 2021, IC3 received 1,611 SIM swapping complaints with adjusted losses of more than $68 million.

What is a SIM card?

A SIM card is a tiny memory chip inside a mobile device that stores a large amount of data. SIM cards not only contain basic identifying information about a phone that’s unique to the owner, but also personal contact lists and text messages. Without a SIM card, a phone is unable to connect with a cellular network to make a call or send text messages.

How does a SIM swap work?

A SIM swap happens when a hacker pretends to be you and convinces your mobile device carrier to switch your phone number over to a SIM card that they own. Once the SIM is swapped, all of your calls, texts, and other data are diverted to the hacker.

The SIM swap allows the hacker to send ‘Forgot Password’ or ‘Account Recovery’ requests to your email and other online accounts associated with your mobile phone number. Now the hacker has access to complete any text message-based two-factor authentication in which a link or one-time passcode is sent via text to your number, now owned by the hacker, giving them control over your online accounts.

How to tell if you have been targeted

  • Your mobile phone suddenly loses service.
  • You are unable to place calls or send and receive text messages.
  • You receive notifications that your SIM card has been activated on a new device.
  • You cannot log into your online accounts (social media, email, and bank accounts).

How to protect yourself from being targeted

  • Do not store usernames or passwords on your mobile phone.
  • Use a variation of unique passwords to access online accounts.
  • Use strong multi-factor authentication on accounts with sensitive personal or financial information.
  • Limit what you share about yourself (financial assets, phone number, address), including what you post on social media.

What to do if you have been targeted

  • Immediately contact your mobile carrier.
  • Contact your financial institutions to place an alert on your accounts.
  • Access your online accounts and change your passwords.
  • Report the activity to your local law enforcement agency and the FBI’s Internet Crime Complaint Center at ic3.gov.

If you’re a Merrimack customer and are concerned your personal or financial information was compromised, please call us directly at 603.225.2793 so we can assist with protecting your accounts and identity.

Filed Under: Consumer Alerts

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PO Box 2826
Concord, NH 03302-2826
603.225.2793
800.541.0006
Telephone Banking: 888.224.6272
NMLS#433938

Equal Housing Lender | Member FDIC

© 2023 Merrimack County Savings Bank

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PO Box 2826
Concord, NH 03302-2826
603.225.2793
800.541.0006
Telephone Banking: 888.224.6272
NMLS#433938

Equal Housing Lender | Member FDIC

© 2023 Merrimack County Savings Bank

  • Personal
    • Personal Checking
    • Personal Lending
    • Personal Savings, Money Markets, CDs & IRAs
    • Checking & Savings Rates
    • Mutual Benefits Program
    • Branch Leadership Team
    • Home Lending
    • Online, Mobile & Telephone Banking
    • Health Savings Accounts
    • Overdraft Programs
    • Safe Deposit Boxes
  • Business
    • Business Checking & Savings
    • General Lending Services
    • Online, Mobile & Telephone Banking
    • Additional Business Services
    • Business Team
    • Mutual Benefits Business Partner Program
  • Resources
    • Financial Education
    • News
    • Routing Number
    • Banks Never Ask That
    • Calculators
    • Newsletter
    • Member Portal
  • About
    • Careers
    • Community Involvement
    • Directors
    • History
    • Leadership
    • Privacy & Security
    • Annual Report
    • Values
    • Hours & Locations
  • Facebook
  • LinkedIn
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  • Personal
    • Branch Leadership Team
    • Checking & Savings
      • Apply
      • Rates
      • Checking
      • Order Checks
      • Savings, Money Markets, CDs & IRAs
      • Health Savings Accounts
      • Overdraft Programs
      • CheckReserve Line of Credit
      • Courtesy Pay
      • $5 Allowance
    • Home Lending
      • Home Lending Team
      • Apply
      • Rates
      • Home Lending
      • Home Loans for University Professionals
      • Home Loans for Medical Professionals
      • Home Equity Lines & Loans
      • Home Buying Road Map
      • First Time Homebuyers
      • Mortgage Assistance Programs
    • Personal Lending
      • Apply
      • Rates
      • Personal Lending
    • Online, Mobile & Telephone Banking
      • Online, Mobile & Telephone Banking
      • Telephone Banking Guide
      • Video Demos
    • Mutual Benefits Program
      • Mutual Benefits Program
      • Tiers and Benefits
      • Local Partners
      • Mutual Benefits Member Portal
      • Personality Quiz
    • Safe Deposit Boxes
  • Business
    • Business Team
    • General Lending Services
      • General Lending Services
      • Rapid Business Loans
      • Medical & Dental Practice Loans
      • Loan Application Form
    • Checking & Savings
    • Online, Mobile & Telephone Banking
      • Online, Mobile & Telephone Banking
      • Telephone Banking Guide
      • Video Demos
    • Additional Business Services
    • Mutual Benefits Business Partner Program
  • Resources
    • Financial Education
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    • Routing Number
    • Wire Transfer Instructions
    • Banks Never Ask That
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      • Realtor Webinars
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      • Foundation Application
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      • Meredith Village Savings Bank
      • Savings Bank of Walpole
      • New Hampshire Mutual Bancorp
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