Existen estafadores que están aprovechándose de la pandemia para introducir de forma fraudulenta, reclamos de beneficios por desempleo, utilizando información personal de identidad robada. Si le llegó una planilla de impuestos 1099-G por beneficios por desempleo que no ha solicitado o recibido, usted podría ser víctima de un robo de identidad. Le mostramos cuatro pasos que puede dar para protegerse del fraude con seguro por desempleo: - Repórtelo a la oficina contra el desempleo del estado donde haya ocurrido: https://go.usa.gov/xHYRM - Declare sus impuestos usando solamente los ingresos por desempleo que haya recibido y considere utilizar un “Identity Protection PIN”, IP por sus siglas en inglés, o PIN de Protección de Identidad, de forma tal que nadie pueda hacer una declaración de impuestos federales con su número de Seguro Social: https://go.usa.gov/xHYRe - Monitoree que no haya ningún otro fraude en su crédito revisando regularmente sus informes de crédito y colocando un “freeze” o congelamiento o una alerta de fraude sobre su crédito por un año: https://www.annualcreditreport.com (en inglés) - Envíe una queja al Centro Nacional contra el Fraude durante Desastres del Departamento de Justicia: https://www.justice.gov/disaster-fraud (en inglés). Sepa cómo protegerse usted y a otros del fraude y las estafas durante la pandemia del coronavirus: http://www.consumerfinance.gov/es/coronavirus _________ La Oficina para la Protección Financiera del Consumidor (CFPB, por sus siglas en inglés), es una agencia del gobierno Federal que se asegura de que bancos, prestamistas y otras compañías financieras, le traten de forma justa. Para saber cómo podemos ayudarle, visite: https://www.consumerfinance.gov/es/quienes-somos/ Conéctese con nosotros: https://www.consumerfinance.gov/es Twitter: https://twitter.com/CFPBespanol Facebook: https://facebook.com/CFPBespanol

Scammers are taking advantage of the pandemic and fraudulently filing unemployment claims using stolen personal identity information. If you received a 1099-G tax form for unemployment benefits that you didn’t apply for or receive, you may be a victim of identity theft. Here are four steps to protect yourself from unemployment benefits fraud: Report this fraud to the state unemployment office where it occurred: https://www.dol.gov/fraud File your federal taxes and include only the unemployment income you did receive and consider using an Identity Protection (IP) PIN so nobody can file a federal tax return using your Social Security Number: https://www.irs.gov/identity-theft-fraud-scams/identity-theft-and-unemployment-benefits Monitor your credit for any other fraud by regularly checking your credit reports and placing a credit freeze or a one-year fraud alert on your file: https://www.annualcreditreport.com File a federal fraud complaint with the Department of Justice’s National Center for Disaster Fraud: https://www.justice.gov/disaster-fraud/ Learn how to protect yourself and others from fraud and scams during the coronavirus pandemic: https://www.consumerfinance.gov/coronavirus __________ The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with CFPB: https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

Over the last year, every single American has felt the tremendous impact of the coronavirus pandemic and the resulting economic crisis. You aren’t in this alone. The CFPB is using every tool at our disposal to help consumers struggling with their housing due to the coronavirus pandemic. We have: - Launched consumerfinance.gov/housing to provide homeowners and renters information about their rights and how to protect their housing needs during the pandemic. - Developed guides and videos explaining how people can talk to their landlord or mortgage servicer about their options, protect themselves from scams, and prepare to repay when the time comes. We are: - Focusing our regulatory authority on aiding consumers during this difficult time to make sure they can get the flexibility and relief they need to weather this storm. - Using our supervision and enforcement authority to make sure that the financial companies we regulate are treating consumers fairly and equitably. Check out our housing resources or learn more, visit https://consumerfinance.gov/housing. _________ The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://consumerfinance.gov/about-us/ Connect with CFPB: https://consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

If you’re struggling to pay your rent due to the coronavirus pandemic, you may be able to temporarily delay your eviction under the CDC’s eviction order. Learn more at www.consumerfinance.gov/renters. The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://consumerfinance.gov/about-us/ Connect with CFPB: https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

Hear about economic challenges, including credit discrimination, that Black Americans encounter. Over time, these have led to today’s Black wealth gap. Through this historical research, you can gain insight into the people you currently serve. The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about... Connect with CFPB https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

CFPB Symposium - Evolutions in Consumer Debt Relief Sessions 1 & 2: Debt Relief Options Through Creditors & Third-Party Debt Relief Offerings Creditors share debt relief options that they offer consumers who are struggling to manage their debts, including deferments, forbearances, repayment plans, settlements, consolidation loans, and refinancing. Third-party debt relief parties describe the programs that they offer including debt management plans through credit counselors, debt settlement plans, bankruptcy services, and legal aid. Additional CFPB resources on consumer debt relief: - Dealing with debt during the coronavirus pandemic https://go.usa.gov/xskxn - What's the difference between a credit counselor and a debt relief company? https://go.usa.gov/xskxZ For more information about this symposium, including the session agenda and panelist bios, visit https://www.consumerfinance.gov/about-us/events/archive-past-events/evolutions-in-consumer-debt-relief-event/ _____________ Master of Ceremonies: VANESSA MEGAW, Analyst, Office of Consumer Credit, Payments, and Deposits, CFPB Program welcome by TOM PAHL, Policy Assistant Director, Research, Markets, and Regulations, CFPB Session 1 - Moderated by EMMA HAAS, Financial Analyst, CFPB Panelists: DIANA C. BANKS, Senior Counsel, American Bankers Association NAT HOOPES, Executive Director, Marketplace Lending Association DANIELLE FAGRE ARLOWE, Senior Vice President, American Financial Services Association Session 2 - Moderated by LaSHAUN WARREN, Deputy Assistant Director, Consumer Engagement, CFPB Panelists: CHRISTOPHER VIALE, President and CEO, Cambridge Credit Counseling; and Co-Chairman of Board of Directors, Financial Counseling Association of America DAN FRAZIER, CEO, Century Support Services EDWARD BOLTZ, Managing Partner, Law Offices of John T. Orcutt, P.C.; and Legislative Committee Co-Chairman, National Association of Consumer Bankruptcy Attorneys MARCIE KOBAK, Director of Litigation, Legal Services of the Hudson Valley Program introduction (00:00) Program welcome/opening remarks (04:45) Session 1 (14:30) Session 2 (48:10) _____________ The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with CFPB https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

CFPB Symposium - Evolutions in Consumer Debt Relief Session 3: Debt Relief Innovation/FinTech Discussion FinTech providers discuss debt relief options available to consumers and opportunities to disrupt the market through smarter fintech solutions, as well as expanding the debt management, settlement, and refinancing solutions available to consumers struggling to pay their debts. Additional CFPB resources on consumer debt relief: - Dealing with debt during the coronavirus pandemic https://go.usa.gov/xskxn - What's the difference between a credit counselor and a debt relief company?https://go.usa.gov/xskxZ For more information about this symposium, including the session agenda and panelist bios, visit https://www.consumerfinance.gov/about-us/events/archive-past-events/evolutions-in-consumer-debt-relief-event/ _____________ Master of Ceremonies: VANESSA MEGAW, Analyst, Office of Consumer Credit, Payments, and Deposits, CFPB Moderated by JOHN McNAMARA, Assistant Director, Consumer Credit, Payments, and Deposits Markets, CFPB Panelists: ITZIK COHEN, CEO, Payzen, Inc. ED HARYCKI, Founder and CEO, Creditly ALEX MOORADIAN, CEO, Resolve Innovations, Inc. JERRY NEMORIN, Founder and CEO, LendStreet Session introduction (00:00) Panelist introduction (00:22) Panel discussion (05:45) _____________ The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with CFPB https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB

CFPB Symposium - Evolutions in Consumer Debt Relief Session 4: Consumer Journeys Through Debt Relief Panel discussion about the consumers experiences in when seeking debt relief solutions, including the benefits and risks of working directly with creditors, entering a debt management plan through a credit counseling services, enrolling in a debt settlement company programs, or applying for bankruptcy. Additional CFPB resources on consumer debt relief: - Dealing with debt during the coronavirus pandemic https://go.usa.gov/xskxn - What's the difference between a credit counselor and a debt relief company? https://go.usa.gov/xskxZ For more information about this symposium, including the session agenda and panelist bios, visit https://www.consumerfinance.gov/about-us/events/archive-past-events/evolutions-in-consumer-debt-relief-event/ _____________ Master of Ceremonies: VANESSA MEGAW, Analyst, Office of Consumer Credit, Payments, and Deposits, CFPB Moderated by DANIEL DODD-RAMIREZ, Assistant Director, Community Affairs, CFPB Panelists: MIKE CROXSON, President and CEO, Consumer Education Services, Inc. TERESA DODSON, Founder and CEO, Greenbacks Consulting; and Executive Board Member, American Fair Credit Council JASON GRAEBER, Attorney at Law, Jason Graeber Law Offices; and National Association of Consumer Advocates Member STEPHEN CONGDON, Assistant Vice President and Regulatory Counsel, Consumer Bankers Association Session introduction (00:00) Panelist introduction (00:45) Panel discussion (04:08) _____________ The Consumer Financial Protection Bureau (CFPB), is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you at https://www.consumerfinance.gov/about-us/ Connect with CFPB https://www.consumerfinance.gov/ Twitter: https://twitter.com/CFPB Facebook: https://facebook.com/CFPB