SNAP Scams and Fraud Warnings: How to Protect Your Food Benefits

SNAP (Supplemental Nutrition Assistance Program), often called food stamps, is a vital benefit for many households. Unfortunately, scammers sometimes target SNAP recipients and people who are trying to apply for help.

This guide explains common SNAP scams, how to spot warning signs, how to protect your EBT card and personal information, and what to do if you think you’ve been targeted or your benefits were stolen.

HowToGetAssistance.org is an independent, informational website. It is not a government agency, not an application site, and cannot access or manage your case. For any action on your SNAP account, you will need to use official state and local offices, hotlines, or websites.

SNAP in Plain Language

SNAP is a government program that helps eligible individuals and families buy groceries. Benefits are usually loaded each month onto an EBT (Electronic Benefit Transfer) card, which works somewhat like a debit card at authorized grocery stores and markets.

Each state’s SNAP agency runs the program locally. While the federal government sets many rules, details vary by state, including:

• The application process
• The official website or benefits portal
• The customer service or EBT card hotline number
• How replacement cards and fraud reports are handled

Because of these differences, it’s important to confirm you are always using your state’s official SNAP and EBT resources, not third-party sites or social media offers.

Why SNAP Recipients Are Targeted by Scammers

Scammers know that:

• Many SNAP users rely on benefits to feed their families.
• People are often eager for faster approvals or extra assistance.
• Some users aren’t familiar with official processes and can be tricked by fake websites, text messages, or offers.

Understanding these risks can help you recognize red flags before you share information or swipe your card.

Common Types of SNAP and EBT Scams

Scams change over time, but many follow predictable patterns. Below are some of the most commonly reported types.

1. Phishing Texts, Emails, and Calls

Scammers may pretend to be from:

• Your “EBT customer service”
• “SNAP support”
• “State benefits department”
• A “caseworker office”

They might:

• Ask you to confirm your EBT card number, PIN, or Social Security number
• Claim there is a problem with your account and demand immediate action
• Promise a benefit increase if you click a link or call a number
• Ask for payment to “speed up” approval or “unlock” your benefits

⚠️ Typical warning signs:

• Messages from unknown numbers or email addresses, especially those with random characters.
• Urgent wording: “Act now or your benefits will be cut off”.
• Links that do not clearly point to an official state website.
• Requests for your PIN (legitimate staff should never ask for your PIN).

2. Fake SNAP Application Websites

Some websites look like government sites but are not official. They may:

• Collect your personal information and then sell it or misuse it.
• Charge an application fee (SNAP applications are free).
• Promise “guaranteed approval” or “instant benefits.”

⚠️ Typical warning signs:

• The site asks for payment to apply or “check eligibility.”
• The website name does not clearly match your state government (for example, it uses “.com” instead of a common state government domain).
• There is no clear statement that it is an official state or county agency.

3. Social Media Giveaways and “Extra Benefits” Offers

On social media, scammers may:

• Offer to buy your EBT card for cash.
• Promise to “double your benefits” if you share your card number and PIN.
• Promote fake giveaways or lotteries tied to SNAP.

These activities are often illegal, and sharing or selling your card can lead to loss of benefits and other serious consequences.

⚠️ Typical warning signs:

• Strangers asking you to share photos of your EBT card.
• Offers that sound too good to be true, like double cash for your balance.
• Group posts or messages claiming to be from “SNAP support” without linking to an official agency.

4. Skimming Devices at Stores

“Skimming” occurs when criminals install tiny devices on card readers or ATMs to steal card information and PINs when you swipe.

They may then:

• Make cloned cards using your data
• Drain your SNAP balance quickly at other locations

⚠️ Typical warning signs:

• Card readers that look loose, misaligned, or different from others in the store.
• Keypads that feel thicker or that move separately from the rest of the terminal.
• Unusual prompts, like having to swipe multiple times without a clear error message.

5. Door-to-Door or In-Person Scams

In some areas, people go door-to-door pretending to be from a government agency. They may:

• Ask to take your EBT card “to fix a problem.”
• Request your PIN to “update your account.”
• Ask for cash or “processing fees.”

Most SNAP business is not handled door-to-door. Local offices may conduct scheduled home visits, but those are typically arranged in advance and do not require you to hand over your card or PIN.

How to Tell If You’re On an Official SNAP or EBT Channel

Because each state runs SNAP slightly differently, verification steps can vary, but the following guidelines are commonly useful.

1. Check the Website

Official SNAP and EBT websites usually:

• Are linked from your state’s main government website (commonly something like “state.[state abbreviation].gov”).
• Clearly list state agency names, such as:
  • Department of Human Services
  • Department of Social Services
  • Department of Children and Families
  • Department of Health and Human Services
• Provide contact information, including local offices and official hotlines.

You can often verify you’re on the correct portal by:

1. Going to your state’s main government website (typed in manually, not from a random link).
2. Searching on that site for “SNAP” or “food assistance”.
3. Following the links provided there.

2. Verify Phone Numbers and Text Messages

Official SNAP or EBT contacts usually:

• Match the phone numbers listed on your:
  • EBT card
  • Benefit approval letter
  • State agency website
• Do not ask for your PIN through text or phone.

If you receive a call or text:

1. Do not share your PIN or full card number.
2. Hang up or ignore the text.
3. Call the number printed on the back of your EBT card or on your official notices.
4. Ask if they actually contacted you.

3. Look for Clear Identification In Person

If someone claims to be from a county or state agency:

• Ask to see official identification.
• Compare their information with the phone number on your official letters.
• You can call your local SNAP office (using the number you already have) to ask if any home visit was scheduled.

Never hand over your card or PIN during a home visit.

Quick Comparison: Likely Scam vs. Likely Official Contact

If anything feels off, stop and verify using contact info you already trust, such as your EBT card or a notice you received by mail.

Protecting Your EBT Card and Personal Information

Taking a few steady precautions can significantly reduce your risk.

1. Safeguard Your Card and PIN

• Memorize your PIN; avoid writing it on your card.
• Do not share your PIN with friends, relatives, or store staff.
• When entering your PIN:
  • Cover the keypad with your hand.
  • Be aware of people standing too close.

If someone learns your PIN, they can use your benefits just like you.

2. Use Caution at Card Readers

Before using card readers or ATMs:

• Gently wiggle the card slot and keypad:
  • If anything feels loose or out of place, consider using another machine.
• Check if the machine looks different from others at that location.
• Avoid using card readers that are in poorly lit or unsupervised areas, when possible.

If a machine seems suspicious, you can:

• Tell a store manager.
• Consider using another store or lane.

3. Monitor Your Balance Regularly

Most states let you check your balance:

• By calling the EBT customer service number on the back of your card.
• Through an official EBT or benefits portal.
• On receipts after purchases.

Try to check your balance:

• Soon after benefits are added.
• After each purchase if you suspect an issue.

Unusual or unknown charges may be a sign of fraud or skimming.

4. Be Careful Sharing Information Online

If you use online tools or apps related to SNAP:

• Make sure they clearly explain that they are independent (if they are not run by the government).
• Do not enter your PIN or entire card number into websites or apps unless you have confirmed they are official EBT services.

If you are not sure, use your state’s official portal or call your local agency to ask what tools are approved.

What To Do If You Suspect SNAP Fraud or a Scam

If you think you have been targeted—whether or not you responded—taking quick action can limit harm.

1. If You Shared Your PIN or Card Number

1. Call the EBT customer service number immediately.
   • Use the number on the back of your card or on your official paperwork.
2. Report that your information may have been stolen or compromised.
3. Ask to:
   • Freeze or cancel your card.
   • Get a new card and PIN.

In many states, you may need to visit or contact your local office to fully resolve the issue or to request replacement benefits, depending on state policies.

2. If Your Benefits Were Stolen

Policies about replacing stolen SNAP benefits can vary. Generally, you may be asked to:

• Report the theft quickly by phone and/or in writing.
• Provide:
  • Your name
  • Your EBT card number (if available)
  • Approximate date/time of suspected theft
  • Any details about where you did not use the card

Some states may:

• Conduct an investigation into the suspicious transactions.
• Decide whether replacement benefits can be issued, and if so, how much.

Because rules are different across the country, it helps to:

• Contact your state SNAP agency or local benefits office as soon as possible.
• Ask specifically about stolen benefits and what forms or steps are required.

3. If You Received a Suspicious Call, Text, or Email

Even if you didn’t respond:

1. Do not click on any links or call numbers provided in the message.
2. Save a copy or screenshot of the message (if safe to do so).
3. Contact:
   • Your EBT customer service line to alert them.
   • Your local SNAP office to ask if any notices were legitimately sent to you.

In some cases, your state may ask you to forward information or file a fraud report.

Reporting SNAP Fraud (Without Blaming Victims)

There are two main types of “fraud” to think about:

1. Criminals stealing benefits or tricking recipients
2. Intentional misuse of SNAP rules by applicants or recipients

This article focuses on protecting you from criminals. If you want to report someone else you suspect of misusing SNAP, most states have anonymous hotlines or online forms through:

• The state SNAP agency
• The state’s Office of Inspector General or similar office

However, be aware:

• Some situations that look suspicious from the outside may actually be allowed under program rules.
• If your concern is about your own case or a misunderstanding, it is usually better to speak directly with your local SNAP office to clarify details.

If you’re unsure how to proceed, you can:

• Call your local county or state benefits office and ask how to report concerns.
• Dial 211 in many areas to be connected with local resources and guidance.

Protecting Yourself During the SNAP Application Process

While this article focuses on scams and fraud, many people first encounter scams when they are trying to apply for benefits.

Here are some tips to stay safe during the application stage.

1. Know Where to Apply

Typically, you can apply for SNAP:

• Through your state’s official benefits portal.
• By mailing or dropping off a paper application at your local SNAP or human services office.
• In some states, by phone interview or application line.

To find the correct place:

• Search for your state name + “SNAP official site” and verify that the site clearly identifies a state agency.
• Or, visit your state’s main government website and navigate to “services”, “benefits”, or “food assistance”.

Avoid sites that:

• Emphasize fees or “premium help” to apply.
• Do not mention a state agency name.

2. Typical Documents You May Need

Requirements vary, but you may be asked for:

• Proof of identity (e.g., driver’s license, state ID)
• Social Security numbers for household members applying
• Proof of income (pay stubs, unemployment benefit letters)
• Proof of expenses (rent or mortgage, utilities, childcare, medical expenses if applicable)
• Immigration status documents, if relevant

If anyone offering help online or by phone asks for this information:

• Confirm whether they are part of an official state agency or a local nonprofit or legal aid group you recognize.
• Never give your PIN during the application process.

3. Community Organizations and Application Help

Many community organizations, such as:

• Food banks
• Community centers
• Legal aid offices
• Nonprofit social service agencies

offer free help filling out applications or understanding rules. These are not state agencies, but often have trained staff or volunteers.

When working with such groups:

• Ask how they protect your personal information.
• Confirm they do not charge for SNAP application help.
• Understand that they cannot approve you; only your state SNAP office can.

Common Misunderstandings That Can Cause Trouble

Not all issues are scams; some are misunderstandings that can still lead to problems with your case.

Be cautious about:

• Letting others use your EBT card regularly:
  • You may designate an authorized representative with the state, but they should be listed officially on your case.
• Selling or trading your EBT benefits:
  • This is usually considered a serious violation and can result in penalties or disqualification.
• Not reporting income changes or household changes:
  • If your circumstances change, your local office usually requires you to report within a specific time frame.
  • Not reporting may lead to overpayments that you must pay back, or sanctions.

If you’re unsure what is allowed:

• Contact your local SNAP office and ask directly.
• Ask for written or online program rules specific to your state.

Alternatives and Extra Supports If You’re Struggling

Even with SNAP, many households still face food insecurity. If scams or stolen benefits have affected you—or if you don’t qualify for SNAP—other resources may help:

• Food pantries and food banks: Often open to anyone in need; no or minimal documentation required.
• Community meals and soup kitchens: Provide cooked meals at no cost.
• WIC (Special Supplemental Nutrition Program for Women, Infants, and Children): For pregnant people, new parents, infants, and young children who meet income and nutrition risk guidelines.
• School meal programs: Free or reduced-price breakfasts and lunches for eligible children.
• 211 phone line (where available): Helps connect you to local food resources and other assistance.

These organizations cannot access your SNAP account, but they can ease immediate food needs while you sort out any benefit or fraud issues with your state agency.

Staying informed, using only official channels, and guarding your EBT card, PIN, and personal information are the most reliable ways to protect your SNAP benefits. If something seems suspicious, it is always safer to pause and verify directly with your state’s SNAP office or EBT customer service line before taking any action.