I've been trying to create an account for my disabled brother to get a Benefit Verification Letter. Today I attempted to create an account and all these wrong questions appeared for me to answer about mortgage loans, monthly payment amounts, credit card lenders, etc. The problem with this is that he has no credit history whatsoever so this has stumped me. Possibly his social security number is being used under a stolen identity.
And the rude lady on the phone said to get a credit report from 1 of the 3 leading credit report sites to double-check the info. I attempted to create an account with one of those and I hit the same roadblock. This time it asked multiple choice questions on a car loan, pet insurance, the pets name, and a bunch of crap. Yep, I am trying to help my mom update her benefits now that my dad has passed. We assumed that she had not previously signed up for My Social Security. After learning that she already had an account, we had to go through the "forgot username." No problem.
But when it came to the forgotten password, big problem. We couldn't get past the five questions ("three questions, sire!"). So we tried the "don't know the answers to the questions" path to have a temporary password mailed to us. But alas, the verification failed.
My mom has only had two phone numbers in the last 20 years, a cell and landline. I can only assume that the address is also being used as a verification, but since she has recently moved we don't want the temporary password mailed to her previous house. And to make matters worse, we can't go to the local office because of this stinking virus. If you no longer have access to your cell phone number, you may request a reset code online. We will mail a reset code letter to your verified address.
When you receive the letter in 5 to 10 business days, you enter the reset code online to change the cell phone number associated with your account. My wife and I will be driving to the local social security office later today, because their website will not allow her to access her already established online account. We verified her username first, because we had forgotten that. They told us her username, so we entered it.
Then we clicked on "forgot password" and it asked us to enter her username on yet another page. Then we entered the SS number, D.O.B. etc, and got a pop-up message that said her account could not be verified. I suspect it was because our email address had changed and they dropped her from the system because they failed to contact us when using our old email address. Yet, that same system disallowed her from opening a new account, since an account had already been established. There is no way to change her email address unless we log in. I got a series of questions, answered "none of the above" and was locked out.
I called the "help desk" and was told that Equifax gave the questions from my account history. I contacted Equifax and got my credit report. It is what I expected as I have lived in my own house almost 30 years, owe no one, have not had a credit card since the mid-80s and apparently, from their own file, not had my identity stolen. I contacted Equifax who explained that the questions were computer-generated and "random" … as they don't have much information on old dull me, they apparently had to make them up.
And it is not a question of being hard but being wrong. I do know every name I have ever used, including my grandparents' nickname for me. I know I have not had a mortgage in 50 years, nor have I ever leased a car, therefore I have no idea the monthly payment. By the time I fire off letters to everyone listed as a name associated with Social Security, it will hopefully keep someone else from the frustration.
My social security account online has been futile for the last few years that I have it. In fact I have never been able to access it since I opened it. I have call the SS office and all they can do is send me a code to enter which was expired by the time I got it.
There are no instructions on where to enter a reset code. I still work and have limited time to deal with this. I have worked computers and portals for years but this system is ridiculous and the SS Office will not send me my annual report since I have an online ss account. Creating a "my Social Security" account is pretty much impossible.
The security questions are a joke. Many questions do not seem to apply to me at all, but "none of the above" fails for me. The system seems designed more to keep people out than to be a convenience for the rightful applicant. Whatever the 3rd party entity that the govt. While I'm confident that the SSA would never admit it, if the statistics were revealed on how many people legitimately attempting to create the account failed, the number would be staggering. I'm sure far, far more fail than gain legitimate access.
As with many, many others, the online system was a time-wasting complete fail for me. I guess that's asking too much from our govt. I was told the SSA uses Equifax for their security question resource. Equifax denied online access to my free annual credit report using similar obscure/irrelevant questions. Consumer protection agencies and regulations have been gutted, so I presume we must all simply accept this as normal, as frustrating and inefficient as it may be.
My wife unbeknownst to me requested an activation code that had to be mailed to her so she could sign up for SS. When I tried to log into my account I was told I need an activation code so I requested one but it said I have already done so and it will arrive in the mail. I never remembered requesting one. A week later it came addressed to me. That was the code my wife requested but again it came in my name and it worked for opening my version of my SS.
Every time she entered her username and password and pressed enter her username would change to mine and she couldn't get on. After waiting nearly 2 hours on hold with phone support we couldn't get logged on two of our computers and were about to give up when we tried on my cell phone. I wholeheartedly agree with you regarding Social Security virtually locking everyone out of the ability to access their account online. I have been trying for the past two weeks to get that elusive security code text on my phone so that I can login. Even after two weeks I have NEVER received any text of any type from Social Security. Without the code, you cannot login.
The final statement I heard from the person I was dealing with was, "It's not my problem. You need to call the 800 number and your cell carrier." Calling the '800 number' has resulted in nothing but disconnects after sometimes hours of waiting on hold. I have tried to log in to the SSA account for the last 2 weeks without any luck. I know the answers to all 3 security questions and I know my answers are right but I keep getting blocked. I was trying to sign up for Medicare and called SSA .
The lady told me I could sign up under another web site area in SSA and I did . But I still can't log in to the SSA account. There is an option to receive a paper statement of SSA benefits, which I have done, but I would still like to be able to log in to the site . I also was told I would get a new password in the mail, but it hasn't come yet. So I will have to go physically to a local SSA office, which I am, of course, dreading.
I feel there must be something wrong with the website with so many people having problems. Yes, a very frustrating and troubling experience for all. This really needs to be looked into by someone, who??? I have realized that these questions are totally bogus. It asks everyone relatively the same questions. I have never had a driver's license so I don't have a car loan and I have never had a home loan so that didn't apply.
I phoned and the agent could not help me. She said that those questions are sent from the credit reporting agency Equifax and that they have no control over the questions they ask. I told her that it is impossible because I just checked my credit accounts. Like Equifax, Experian and those things are not even listed on my account.
She seemed all ready with a response to my questions and a little defensive. She proceeded to tell me that I would have to go into my local office to verify my identity, then try to log in online after my visit and obtain the information I need that way. What a crazy way of doing business. I cant believe that they let the credit bureaus handle access rights to information of people's work history and benefit information. If you currently have a non-U.S.
This process will replace your previous security questions and answers. I do not recognize the various mortgage companies I may have taken a loan out from in 2013 — how could I? Mortgage companies change their names every couple of months! They wanted to know which bank I have a car lease with. I do not have a car lease but if I say this, I cannot answer the next question which wants to know the cost of my car lease and only gives monetary choices.
Forgot my password to my social security account. Forgot the answers to the barrage of security questions I have to get right, so I have to be mailed a reset pin. It takes almost 10 days to get this reset pin and it doesn't specify exactly how to use it so I just assume it's a temporary password. Put it in twice and get locked out of my account for 24 hours for putting in the incorrect password. I really don't want to order another temporary pin, guess I have to call them.
I also tried to create an online account and was blocked after I was unable to answer their questions. Not that I did not know them; I just could not remember telephone numbers, mortgage company names, and other credit questions from 30 years ago. I called to get my account unlocked but was told I had to go in person. I have tried going in person several times only to walk away because the wait is several hours. I signed up online for Medicare alone earlier this year and fortunately did not need a SS account for that transaction. At the time I did try to set one up and got those strange questions for a car loan I never had, a credit card I never had and phone numbers that don't look familiar.
Of course I was locked out of creating the account but didn't follow up. Now that I am applying for retirement and actually need it I'm still locked out. The local SS office will help me apply but appointments are 6 weeks out.
Ridiculous that this is a long term problem especially now that doing business online is essential. Trying to set up an account to get a social security report is a nightmare! I had the answers to all the security questions and it still booted me off. This is our government alright … jacked up and a worthless waste of time. Booted out for 24 hours, can't wait to see what happens when I try this again in 23 hours.
From there, select "Next" and you will be prompted to enter answers to your Password Reset Questions. If you remember your Password Reset Questions, provide the answers in each text box. Confirm your cell phone or email address where you should receive a one-time security code. Please enter the security code you receive, and select the "Submit Security Code," and you'll have the chance to update your password. You will automatically see the Terms of Service and after accepting the terms, you will be signed in to your account. Fast forward to July 2020, in the middle of the pandemic, and this is still relevant.
I was trying to set up an account and I "failed" the questions . I waited 18 min once for them to disconnect. I called the Spanish line and the English line .
The person I talked to unlocked my account. I tried to open the account and answer my questions with her on the phone and it didn't work again so the account is locked and she said she could not unlock it for me. I am supposed to wait for 24 hours.
She told me to check my credit score with one of the companies (So now I´m freaking out! Did someone steal my identity? Is that what she is implying?). Why do they have to do it so complicated? I just want a benefit statement for my financial advisor. Hopefully I´ll be allowed to use the call a friend card or perhaps the 50% one.
I am suffering the same pain, right now, as I just had to have it unlocked and yes, I failed the first attempt of my next set of three attempts before I'm locked out for 30 days. The SSA Help Desk rep was very nice and directed me to refer to my credit reports. You know, the Free Annual Credit Reports that use similar security questions about your identity that are taken from your credit report and guess what?
I've been getting them yearly for years now and never failed to get access. Plus, I got access to them after my call to Social Security this morning but failed to get access to my Social Security. Time to go to the Social Security office for the PIN as I'm apparently not going to get this right. Thank you for this insightful article!
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