This could be a much bigger problem than even the $1200 stimulus payment. Her identity may have been stolen — which could cause lots of problems.
So first thing go to www.AnnualCreditReport.com and get her FREE credit report from each of the three bureaus. Make sure there are no unexplained credit accounts. THEN, put a FREEZE on her credit report, which means no one can open NEW credit in her name.
Remember to do it at each of the three bureaus — there are links at the site. All of this is FREE.
Then contact her bank to get her a new debit card — just in case. She should also set up double verification, such as a text to confirm withdrawals over say 200.
Now, it is entirely possible that someone used her SS number only — such as an illegal alien who had to provide a “number”. So go to the SocialSecurity.gov website and check her history of earnings. If you see something unexpected there, you’ll know this is the likely case.
Now, the next step would be to contact the IRS to report “identity theft” if you can’t find any other usage of her info for credit or earning purposes. BUT, the IRS is impossible to reach — and that will be the case for many months. Ultimately, next year she can try to file for a credit for the un-received stimulus — which will force them to investigate, but I know that’s not a great solution.
If you need more help because you discover that indeed her entire identity has been stolen, go to https://www.idtheftcenter.org/ that is he best place to seek help.
And I’ll always be wondering, so please write back and let me know what happens.