Know the approach
Six recurring threats to veterans and families.
The story may change. The pressure, secrecy, impersonation and requests for money or account access are the warning signs.
01Claims predators
Unaccredited companies promise a guaranteed disability rating, faster processing or “special access.” They may demand large fees, a percentage of future benefits or a signature on blank forms.
Safe responseFile directly through VA.gov or use a VA-accredited VSO, attorney or claims agent. No one should charge to file an initial claim.
02Benefit-payment redirection
A criminal obtains personal information, takes over an account and changes the bank destination for VA benefits. A missing deposit or unexpected direct-deposit notice may be the first warning.
Safe responseCall VA immediately at 1-800-827-1000. Secure email and banking accounts, then review recent changes.
03Phishing and VA impersonation
Emails, texts or calls claim benefits will be suspended, a claim needs immediate action, or personal information must be confirmed through a link. Caller ID and official-looking messages can be faked.
Safe responseDo not click, reply or share passwords, bank information or one-time codes. Contact VA through a number you find independently.
04Pension poaching and advances
Someone offers to hide or rearrange assets, sell an annuity or take control of pension deposits to qualify for benefits. Others trade quick cash for future VA or DoD pension payments.
Safe responseDo not give anyone control of the account receiving benefits. Military and VA pension advances may violate federal law.
05VA home-loan solicitations
A caller or mailer claims VA affiliation, demands an upfront fee, guarantees foreclosure relief, redirects mortgage payments or tells the homeowner to stop paying the current servicer.
Safe responseCall the servicer on the mortgage statement or VA Loan Guaranty at 877-827-3702.
06Affinity, charity and investment pitches
Patriotic names, military imagery or a shared service story can be used to create false trust in a job, business, charity, romance or investment opportunity.
Safe responseVerify the person and organization independently. Guaranteed returns, unusual payment methods and secrecy are reasons to stop.