Skip to main content

Every year, thousands of servicemembers report to us about their consumer experiences. Those reports are the focus of the FTC’s Data Spotlight, Identity theft causing outsized harm to our troops. From an analysis of the data, we can see that servicemembers often face consumer challenges that differ from those faced by their civilian counterparts – especially when it comes to identity theft. For instance, active duty servicemembers are 76% more likely than other adults to report that an identity thief misused one of their existing accounts, such as a bank account or credit card. Most notably, they are nearly three times as likely to report that someone used a debit card or some other electronic means to take money directly from their bank account. The Spotlight goes on to discuss other associated issues that servicemembers face, including identity theft-related debt collection and problems with credit bureaus.

Here are some steps that can help servicemembers reduce the risk of identity theft.

  • Check your bank account regularly. Report a lost or stolen debit card or unauthorized transactions immediately.
  • To prevent someone from misusing your debit or credit cards, many banks will let you temporarily lock or freeze your card online or through their mobile app. You can quickly and easily unlock the card at any time the same way.
  • Don’t give out authentication information – including PIN numbers or verification codes – to anyone who calls, emails, or texts you. If you didn’t initiate the contact, you can bet it’s a scam.
  • Sign up for free credit monitoring, available to active duty servicemembers, to get notifications of activity on your credit reports.
  • Put an active duty alert on your credit reports if you’re deploying. Alerts require creditors to take steps to verify your identity before granting credit in your name.

If you suspect identity theft, go to to report it and start the recovery process. And servicemembers: check out to get tips and tools for your financial readiness.

It is your choice whether to submit a comment. If you do, you must create a user name, or we will not post your comment. The Federal Trade Commission Act authorizes this information collection for purposes of managing online comments. Comments and user names are part of the Federal Trade Commission’s (FTC) public records system, and user names also are part of the FTC’s computer user records system. We may routinely use these records as described in the FTC’s Privacy Act system notices. For more information on how the FTC handles information that we collect, please read our privacy policy.

The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

  • We won’t post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions.
  • We won’t post comments that include vulgar messages, personal attacks by name, or offensive terms that target specific people or groups.
  • We won’t post threats, defamatory statements, or suggestions or encouragement of illegal activity.
  • We won’t post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses. To file a detailed report about a scam, go to

We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. The comments posted on this blog become part of the public domain. To protect your privacy and the privacy of other people, please do not include personal information. Opinions in comments that appear in this blog belong to the individuals who expressed them. They do not belong to or represent views of the Federal Trade Commission.

Joe D.
May 21, 2020
Yes, this has been a problem for so many service members and I'm glad to see that it has finally been addressed. This Memorial Day, let's remember our men and women in uniform !!!
May 21, 2020
How does this data compare with Veterans?