SNAP Benefits – How To Recover Stolen Funds

SNAP benefits are a vital lifeline for millions of households, providing essential support for groceries and other basic needs. However, these benefits can sometimes fall victim to theft through card cloning or cyberattacks targeting the Electronic Benefits Transfer (EBT) system. Fraudulent activity can leave recipients struggling, but there are steps you can take to recover your stolen funds.

Here’s everything you need to know about stolen SNAP benefits, from reporting the theft to protecting your EBT card.

Benefits

SNAP benefits may be stolen when criminals access EBT card information and make unauthorized transactions. This often occurs through methods like:

• Card Cloning: Using skimming devices to copy card data at retail points.
• Cyberattacks: Hacking the EBT system to access card details.

The theft usually goes unnoticed until recipients find unusually low balances or see transactions from distant locations.

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Since October 1, 2022, states can now process claims for stolen benefits under USDA regulations, provided the theft occurred after that date.

Reporting the Theft

If the fraud occurred after August 21, 2023, you must file your claim within 30 days of observing the theft. If you’re unsure of the exact date, leaving this field blank on the claim form will not disqualify your request.

Maximum Reimbursement

States will reimburse either:

• Up to two months’ worth of benefits, or
• Double the amount issued the month before the theft, whichever is greater.

Steps to Recover

To reclaim stolen benefits, follow these steps:

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1. Report the Theft Immediately

• Call EBT Customer Service at 1-888-328-6399 or use the ConnectEBT mobile app.
• Once the theft is reported, your card will be suspended to prevent further unauthorized transactions.

2. Request a New EBT Card

• A replacement card will be issued, usually within seven days of reporting the theft.

3. Gather Proof of the Theft

• Access your transaction history to identify unauthorized activities. Use one of these methods:
  • ConnectEBT mobile app
  • Official website (connectebt.com)
  • EBT customer service phone inquiry

4. Submit a Claim Form

• Fill out the claim form with details of the fraud and the amount stolen.
• Attach proof of unauthorized transactions.
• Submit the claim within 30 days of observing the theft.

Protecting Your EBT Card

While no system is entirely foolproof, these tips can reduce the risk of fraud:

• Change Your PIN Regularly: Avoid using easily guessed numbers like birthdays or repeated digits.
• Monitor Transactions Frequently: Check your balance and transaction history regularly to spot any suspicious activity.
• Shop at Trusted Retailers: Use your card only at well-known, reputable stores.
• Report Lost Cards Immediately: If your card is lost or stolen, notify EBT customer service right away.

Quick Action

The theft of SNAP benefits can leave families struggling to afford basic necessities. Acting promptly to report fraud increases the chances of recovering stolen funds and minimizes financial strain.

Remember, the SNAP program is there to help during tough times. By following the steps above and staying vigilant, you can protect your benefits and ensure continued access to this critical assistance.

FAQs