Electronic Benefit Transfer (EBT) cards provide a convenient way for recipients of SNAP (Supplemental Nutrition Assistance Program) to access their benefits. However, like any financial system, EBT cards are vulnerable to fraud and theft. In recent years, scams such as card cloning and electronic hacking have become more common. Fortunately, beneficiaries who experience theft of their SNAP benefits now have a process in place to request refunds. Here’s what you need to know if you find yourself in this unfortunate situation.
How EBT Card Resources Are Stolen
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EBT card fraud can happen in two primary ways: physical card cloning (also known as “skimming”) and electronic hacking.
Card Cloning (Skimming)
Skimming occurs when scammers secretly install devices on card readers to capture both your EBT card information and your PIN. These hidden devices copy your card’s details, allowing fraudsters to make unauthorized transactions.
Electronic Hacking
Hacking is another common method of EBT fraud. In this case, hackers gain access to your card information by tricking you into visiting a fraudulent website or by stealing your login credentials through phishing attacks. Once they have your card number and PIN, they can make electronic purchases, often without your knowledge.
In both cases, victims typically notice the theft when their account balance drops unexpectedly or they see transactions in locations they didn’t visit.
What to Do if Your EBT Benefits Are Stolen
Report the Theft Immediately
Each state has a helpline dedicated to assisting EBT beneficiaries. These helplines can help you report theft, hacking, or any other issues with your EBT account. If you believe your EBT card has been cloned, phished, or hacked, you should report it as soon as possible.
In addition to contacting the state helpline, you should also report the theft to your EBT provider. This will freeze your account and prevent further unauthorized access.
Request a Refund for Stolen Benefits
Since October 2022, individuals whose EBT benefits are stolen through card cloning, phishing, or hacking can request a refund for their stolen benefits. It’s important to note that this policy only applies to fraud that occurs after October 1, 2022. If your benefits were stolen before that date, the refund process does not apply.
The process for requesting a refund involves the following steps:
1. Provide Evidence of Fraud
You’ll need to submit proof that the fraudulent transactions were not made by you. This includes submitting an EBT transaction history that identifies the unauthorized transactions.
2. Submit Your Transaction History
To get a detailed transaction history, visit the ConnectEBT website or use the mobile app. Alternatively, you can contact EBT customer service to request a printout of your last 10 transactions.
3. Report Your Card as Stolen
Once you’ve identified fraudulent activity, report your card as stolen through the EBT website or customer service number. Your card will be suspended, and you will receive a replacement card in about seven days.
4. File a Claim for a Refund
Once your card is reported as stolen, you can file a claim for the stolen benefits. You will need to provide your customer ID number, case number, and transaction history showing the fraudulent charges. Claims can be submitted online, by mail, or at your local service center.
Deadlines and Eligibility for Refunds
There are strict deadlines in place for requesting refunds. If your benefits were stolen on or after August 21, 2023, you have 30 days from the date of discovery to file your claim. If you’re unsure of the exact date you discovered the fraud, leave that field blank—it won’t invalidate your claim.
Refunds are also available for those who stopped receiving their benefits unjustifiably after January 1, 2022, even if they are no longer actively receiving SNAP benefits.
How Much Will You Be Reimbursed?
The amount you can be refunded depends on the length of time the fraud occurred:
- Fraud for Two Months or Less: If the theft occurred over a two-month period or less, you can request a refund for the full amount of stolen benefits.
- Fraud for More Than Two Months: If the theft extended over a longer period, you may receive two months’ worth of benefits as reimbursement.
Final Thoughts
EBT card fraud can be distressing, but beneficiaries have the right to request a refund for stolen benefits. By reporting the theft quickly and following the correct procedures, you can get your benefits back. Stay vigilant and protect your EBT card from fraud to ensure your benefits remain secure.
If you suspect any unauthorized activity, don’t hesitate to report it to the relevant authorities and start the claim process as soon as possible. Taking these steps ensures that you’re protecting your resources and getting the support you need.