The states most at risk to identity theft and credit card fraud ranked

As the world continues to cope with COVID-19, America is seeing cases of identity theft soar to record highs. Of the 3.2 million reports to the FTC’s Consumer Sentinel Network Data Book in 2019, 20% — or 650,572 — related to identity theft. And already in the first quarter of 2020, reports of fraud and identity theft are up 20.1% from the previous quarter.

The numbers could rise as more people continue to work from home and new reports of coronavirus-related fraud and scams come in.

Among these all-time-high cases, credit card fraud leads the charge.

Identity theft vs. account takeover

Identity theft involves the unauthorized access of personal information, such as your name and Social Security number. Account takeover is when a fraudster accesses account information — such as credit card numbers — with the intent of committing fraud on existing accounts.

In 2019, victims reported $160.3 million worth of losses resulting from identity theft, according to the FBI. Credit card fraud made up the overwhelming majority of that $160.3 million.

This number represents only what was reported through the FBI’s Internet Crime Complaint Center, however, and doesn’t account for reports made directly to field agents.

Most common types of identity theft

Swiping the competition in 2019 was credit card fraud, which accounted for 41.78% of all identity theft reports to the FTC, followed by other identity theft, which includes fraud conducted via email and social media. Least common was government documents or benefit fraud at 3.54%.

• Number of identity theft reports by type – Visual
• Number of identity theft reports by type – Data

Identity theft and credit card fraud by state

The dubious honor of state with the most identity theft reports goes to Georgia, with the Peach State logging 423 cases per 100,000 people in 2019 — 176 of those falling under the credit card fraud umbrella.

Florida came in just south of Georgia with 154 cases of credit card fraud per 100,000 people, followed by California and Texas.

The state with the fewest number of reports was South Dakota, with 47 reports of fraud per 100,000 people, followed by Vermont and Wyoming.

Several states in the middle of the country also came in at the middle of the pack — like Missouri and Colorado, with 41 and 45 reports of credit card fraud per capita, respectively.

• Number of reports by type – Visual
• Total identity theft reports per 100,000 – Data

Credit card fraud by metro area

Georgia maintains its top spot in individual metropolitan areas, accounting for three of the five areas with the most reports of identity theft per capita — Warner Robins, Atlanta-Sandy Springs-Roswell and Macon-Bibb County. A person convicted of financial transaction card fraud of more than $100.00 within a six-month period in Georgia can be charged with a felony. The ramifications can be a fine of up to $5,000.00 or a prison term of one and five years. On the flip side, Muncie, Indiana, logged the least number of reports at 37 per 100,000 people, followed by Glens Falls, New York, and Tullahoma-Manchester, Tennessee.

• Highest theft per 100,000 residents on top 10 metropolitan areas – Data
• Lowest theft per 100,000 residents on top 10 metropolitan areas – Data

For all media inquiries, please contact:

Richard Laycock, Insights editor and senior content marketing manager

E: uspr@finder.com

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Written by

Kelly Larson

Editor

Kelly Larson is a Senior Editor at MarketWatch and formerly an editor at Finder who’s written dozens and edited hundreds of articles that help Americans make better financial decisions on everything from credit cards to mortgages to savings accounts. He’s well-versed in fact-checking content for accuracy, editing copy to remove biases and ensuring our content remains independent from affiliates, advertisers and partners. Prior to his role at Finder, Kelly led editorial newsrooms in the creation of award-winning content as a managing editor in the digital space. He holds a BA in Sociology from the University of Kansas. See full bio

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