Identity theft that leaves traces

Identity theft ; which leaves traces

In the current context where identity theft is on the increase, Desjardins reminds us to always be wary of someone who contacts us claiming to work for our financial institution.

Defrauded in 2019 after the data leak at Desjardins, Pierre-Luc Lupien is still suffering the consequences three years later.

His tangles with the institutions are now over. Despite everything, the sociology teacher at Cégep de la Gaspésie et des Îles on the Carleton-sur-Mer campus is now on his guard.

His banking and credit data and his interactions with governments are under close surveillance. He has become what he himself describes as hypervigilant. He says he experiences a lot of anxiety because of this fraud.

It was through an email alert from the Ministry of Revenue that he learned that his application for the Canadian Emergency Response Benefit (CERB) program had been accepted. The problem is that he had never applied.

His spouse, a digital development officer, advised him to immediately contact the local police station. We do not have this reflex, but to have an event number, it is the first, first step, explains Mr. Lupien.

Pierre-Luc Lupien explains that his life has changed since the identity theft.

The next two weeks were filled with the necessary steps to restore his file.

He quickly noticed that several service requests had been made in his name. He then discovered that a bank account, to which he had no access, had been opened in his name. I had to close an account in a financial institution with which I had never done business, he says.

He also says he is very lucky to have seen this email and to have acted promptly. Many people discover that they are victims of identity theft several months after the fact.

Pierre-Luc Lupien also encourages victims of identity theft. #x27;identity to use the various psychological and legal support services.

He himself was able to benefit from the support service that Desjardins has put in place to support potential victims.

He admits that this support, often provided by specialized and experienced lawyers, has been very useful to him. When that happens, he says, we are not in the best of moods. There is a nervousness that sets in, a bit like when you are stressed. Having someone with a social status, who imposes as a lawyer, it seems that our rights will be better taken into account. It made the difference.

Despite this help, Pierre-Luc Lupien points out that the procedures are cumbersome and that the consequences can have repercussions for several months or even years for the victims.

In his case, once the fake bank account was closed, the money from the CERB program fraud was eventually deposited into his account. He then rushed to refund the money.

He was not, however, at the end of his troubles. I refunded them, but I sent the money to the wrong place. They told me to send this money to an online account, but I don't know why, they got the wrong account. It's as if I hadn't paid. I had sent it to the wrong account, says the teacher.

This error and the administrative delays in correcting it meant that this money was added to his annual income, which changed his tax rate. This is another added stress. You have to come back with another agency to have your T-4 changed, explains Mr. Lupien.

He advises people to keep all the information on the steps taken: dates, names of people contacted, case numbers, etc. You have to raise your hand and the red flag every time you see something that could harm you, and that's if you can see it.

Desjardins has set up a support service for victims of identity theft following a major personal data breach that occurred in 2019.

< p class="e-p">In the current context where identity theft is on the increase, the main spokesperson at Desjardins, Chantal Corbeil, stresses that we must always be suspicious if someone contacts us claiming to work for our financial institution. Never give out your personal information over the phone, by mail or over the internet unless you know the person or company. It must be you who made contact with this person, explains the spokesperson.

It reminds that no financial institution, police officer or merchant is authorized to ask for a PIN, or a password to access a bank account.

Tips to remember to prevent fraud or identity theft:

  • Shred papers that contain confidential information before throwing them away ;
  • Remember your PINs and passwords;
  • Minimize the number of people who have access to your passwords and PINs;
  • Check your monthly bills;
  • Report any discrepancies to its financial institutions, creditors and credit bureaus.

With the information of Louis Pelchat-Labelle

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