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Why physical ID theft is harder to fix than credit card fraud

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Why physical ID theft is harder to fix than credit card fraud

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It started with a voicemail from a Hertz rental car location in Miami, Florida. A 57-year-old woman in Los Alamitos, California, was asked when she planned to return a Mercedes-Benz she had never rented. A thief had stolen her driver’s license, replaced the photo with their own and used it to rent the vehicle. The same identity was used to open a credit card account, book airline tickets and reserve hotel stays. By the time she learned what happened, the fraud involved businesses in multiple states.

Clearing her name required police reports in two jurisdictions, written disputes with the credit card issuer and repeated contact with the rental company and hotels. Her accounts were frozen while she submitted notarized copies of her identification and signed fraud affidavits. The process lasted more than a week. She reported losing $78,500 and spent nearly 10 days dealing with the fallout from one stolen ID.

Credit card fraud is usually limited to a single account number. Physical ID theft gives someone the ability to act as you in the real world. As a result, the cleanup process is longer, more intrusive and often tied to your legal record.

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5 MYTHS ABOUT IDENTITY THEFT THAT PUT YOUR DATA AT RISK

A stolen driver’s license can allow someone to rent cars, open accounts and sign contracts in your name. (Photo by Silas Stein/picture alliance via Getty Images)

How credit card fraud recovery works

Under the Fair Credit Billing Act, you report unauthorized charges to the card issuer within 60 days of the statement date. Federal law limits your liability to $50, and most major issuers waive that entirely. The bank cancels the compromised card number, issues a replacement and removes the disputed charges after an investigation. You may need to confirm transactions and sign a fraud affidavit. The account number changes. Your name, driver’s license and Social Security number stay the same. In most cases, fraud is resolved within one or two billing cycles. That structure gives consumers clarity. There is one issuer, one investigation and one account to correct.

Why physical ID theft recovery is more complicated

Physical ID theft creates problems that go far beyond one financial account. When someone uses your driver’s license, they step into your legal identity. Start with reporting requirements. Most states require you to file a police report before the DMV will issue a replacement linked to fraud. That report number becomes part of your official record. If the misuse happened in another state, you may need to file a second report there.

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Next, understand what replacing the card actually does. A new physical card does not erase prior activity. Rental contracts, utility accounts, hotel stays, or police interactions tied to the stolen license still carry your name and license number. Fixing those records takes work. You must contact each business directly and submit documentation. No central agency reverses everything at once. Each company sets its own rules and timeline.

The stakes can rise quickly. For example, if someone abandons a rental car or commits a crime using your stolen ID, law enforcement databases may record your name. At that point, the situation shifts from financial inconvenience to legal exposure.

HOW TO PROTECT A LOVED ONE’S IDENTITY AFTER DEATH

Police reports and formal disputes are often required before businesses will remove fraudulent records.  (Kurt “Cyberguy” Knutsson)

How to prove physical ID theft was not yours

With credit card fraud, the issuer investigates the charge. With physical ID theft, businesses and agencies often require you to prove that you did not authorize the activity. That process usually starts at IdentityTheft.gov. The FTC generates an Identity Theft Report, which serves as an official statement of fraud. Most banks, collection agencies and rental companies will not proceed without it.

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You may also need:

  • A local police report
  • A copy of your driver’s license
  • A notarized identity affidavit
  • Proof of residence tied to the date of the fraud

When thieves open fraudulent accounts in your name, dispute each one separately. Act quickly. Send a written response within 30 days of the first collection notice to protect your rights under federal law. Fraud that appears on your credit report requires another step. Contact Equifax, Experian and TransUnion individually and submit formal disputes with supporting documentation. The credit bureaus then have up to 30 days to complete their investigations. No central agency manages these corrections for you. Instead, every company sets its own documentation rules and timeline. Therefore, you must track deadlines, follow up consistently and keep detailed records of every communication.

You cannot simply replace your driver’s license number after identity theft

When a credit card number is stolen, the bank issues a new one. When a driver’s license is stolen, the number usually remains the same. In California, if your driver’s license is lost or stolen, you can request a replacement card through the DMV online system or at a field office. The official process gets you a new physical card. No new license number is automatically assigned when the card is stolen.

If there is identity misuse tied to the license number, the DMV fraud review process allows you to submit documentation, including police reports, to support an identity theft claim before they take further action. A Social Security number is even harder to change. The Social Security Administration approves new numbers only in cases involving continued harm. Applicants must provide extensive documentation and appear in person.

A stolen physical ID, such as your license, includes:

  • Full legal name
  • Date of birth
  • Address
  • Driver’s license number
  • Signature

That information is sufficient for in-person identity checks, rental contracts, certain loan applications and travel-related transactions.

Credit monitoring alerts can help you detect identity misuse before it spreads across multiple accounts. (Kurt “CyberGuy” Knutsson)

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Why ongoing identity protection matters

There is no single agency that tracks misuse of your driver’s license across rental companies, lenders, collection agencies and law enforcement systems. That burden falls on you.

Identity theft services monitor your identity across all three credit bureaus and alert you to new credit inquiries, account openings and changes to your credit file. If fraud appears, you are assigned a dedicated U.S.-based case manager who helps:

  • File disputes with Equifax, Experian and TransUnion
  • Prepare and submit FTC Identity Theft Reports
  • Contact creditors and collection agencies
  • Track documentation deadlines and responses
  • Assist with reimbursement claims when eligible

Plans can include identity theft insurance of up to $1 million per adult to cover eligible expenses such as lost wages, legal fees and document replacement costs related to identity theft recovery.

No service can prevent every misuse of a stolen ID. But when the issue involves police reports, credit bureaus, tax agencies and collection accounts, having structured support can make all the difference.

The California woman in this case was not enrolled in an identity theft protection service. Some businesses may reverse fraudulent charges, but it is unclear whether she recovered the full $78,500.

See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com

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Kurt’s key takeaways

Credit card fraud follows a defined path. You report the charge, the issuer investigates and your account number changes. In most cases, the disruption ends there. Physical ID theft moves differently. It spreads across rental companies, hotels, credit bureaus and sometimes law enforcement databases. Instead of one dispute, you may face several. Instead of replacing a number, you must protect a permanent identity marker tied to your name. That shift matters. A stolen driver’s license carries your legal identity into the real world. Therefore, recovery demands documentation, patience and persistence. Each business sets its own rules. Each agency runs its own timeline. You coordinate the process. The lesson is clear. Protecting your financial accounts is critical. However, protecting your physical identification may be even more important. Once someone uses it in person, the cleanup becomes personal, procedural and time-consuming. Layered monitoring, early alerts and fast reporting reduce long-term damage. The faster you respond, the more control you keep.

Have you ever dealt with physical ID theft, and did the recovery process take longer than you expected? Let us know your thoughts by writing to us at Cyberguy.com

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Technology

Are airline miles still worth it?

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Are airline miles still worth it?

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Airline miles used to feel like a secret travel weapon. You saved them, watched the award chart and then pounced when the right seat opened up.

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Now? You may search for a flight and see a price so ridiculous that it makes you want to close the laptop.

That is exactly why I sat down with David Fleming, a travel rewards consultant known online as The Miles Guy. His job is helping travelers squeeze more value out of airline miles, hotel points and credit card rewards without getting fooled into bad redemptions.

FAKE BOOKING.COM TRAVEL CREDIT SCAM TARGETS TRAVELERS

Dynamic pricing can make the same airline seat cost a reasonable number of miles one day and a shocking amount the next. (Al Drago/Bloomberg via Getty Images)

And here is the big takeaway: airline miles can still be valuable, but the old tricks no longer work the same way.

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Why airline miles feel harder to use now

Years ago, many airlines used fixed award charts. That made it easier to know what a flight should cost in points. Now, that predictability is mostly gone. “The airlines and their frequent flier programs went to something called dynamic pricing, which basically ties the cost of the ticket to the number of points you use,” Fleming told me during our conversation on the CyberGuy Report podcast.

He gave one eye-popping example. Air France Flying Blue business class from Los Angeles to Paris used to show up for around 67,500 points one way. Now, on some days, that same type of redemption can balloon to an outrageous level. “Some days you’re now seeing them for 700,000 points one way,” Fleming said. “Which is bananas.”

That is the kind of number that should make you pause before clicking “book.” If you want a broader refresher on how travel rewards work, CyberGuy’s guide on how to rack up points and miles for travel is a helpful read at CyberGuy.com.

Flexibility is still your best travel hack

If you have any wiggle room in your schedule, use it before you spend your miles. “The key really is to book your trip around your flights,” Fleming said. “Find the dates that have the best mileage redemptions available, and book those and let that be your guide.”

That may sound annoying if you already picked your vacation dates. However, shifting by a day or two, or flying from a different airport, can save you a huge number of points.

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This approach works best when you are traveling alone or with one other person. It gets harder with kids, school schedules, work calendars and family obligations. Still, even a little flexibility can help. The goal is to stop treating every mileage price as a good deal just because it uses points instead of cash.

Book a refundable ticket as a backup

One of my best strategies is to book a refundable cash ticket as insurance while watching for mileage seats. Here is how it works. You book a refundable fare, so you know you can get where you need to go. Then you keep checking for award seats. If a better mileage redemption becomes available, you can cancel the refundable ticket and book with points.

Fleming said that strategy still has value, even though it worked better before dynamic pricing became so common. “If you book a refundable ticket, you know if something does open up, you always can cancel that refundable ticket, get your money back, and book the mileage ticket,” Fleming said.

There is another version of the same idea. If a good mileage ticket doesn’t appear, you can look for a cheaper, nonrefundable cash fare closer to the trip. Then you cancel the refundable ticket and buy the cheaper fare instead. It takes effort, but it gives you options.

Ask about paid upgrades before you board

Paid upgrades can be hit-or-miss. Still, Fleming says asking at the counter or gate can sometimes pay off. “You might have to be a little proactive and ask the gate agent or the person at the ticket counter, ‘Hey, do you have any upgrades available? And if yes, how much are they?’” Fleming said.

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He shared the story of a friend who was flying economy on a transatlantic flight. At the counter, the airline offered him a business class upgrade for $140. If he had bought that upgrade online earlier, it would have cost more than $1,200. That will not happen every time. Airlines may have no seats, no deal or no interest in discounting the upgrade. Even so, the question costs nothing. Ask politely at check-in, at the ticket counter or at the gate: “Are there any paid upgrades available, and what would the cost be?” You can always say no.

Know when points are a bad deal

This may be the hardest part for many travelers. Sometimes the smartest move is to keep your miles. Fleming uses a rough benchmark of about 2 cents per point. So, if 100,000 points would cover a ticket that costs about $2,000, that can be a fair deal.

“On average, you might say that a point is worth $0.02,” Fleming said. “I just kind of set the goal at $0.02 a point.” However, if an airline wants 100,000 points for a $500 ticket, you may want to pay cash and keep the points for something better. That is where people get burned. They see “free flight” and forget that points have value. Those points took spending, flying or credit card bonuses to earn. Burning them on a weak redemption can cost you later.

Tracking your loyalty accounts, point balances and expiration dates can help you stop rewards from slipping through the cracks. (iStock)

Compare points before you book

Airline miles and hotel points can both be easy to waste. Before you redeem either one, compare the points or miles price with the cash rate. That helps you see whether you are getting strong value.

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One tool CyberGuy has covered before is Awayz. It can help you compare cash prices with award pricing so you can decide when to use points, miles or cash. Its hotel search can be especially helpful if you have rewards spread across programs like Hilton, Hyatt, Marriott, IHG, Accor, Choice or Wyndham. Awayz can also help you look for award availability and spot better dates. That can save time when you are planning a trip with flexible travel dates.

Still, treat any travel search tool as a starting point. Prices and award availability can change fast. Before you transfer points or book, confirm the final price, taxes, fees, cancellation rules and availability directly with the airline, hotel or loyalty program.

BOOKING A SUMMER TRIP? HERE’S WHAT YOU’RE GIVING SCAMMERS

Track every loyalty account in one place

You cannot use your rewards well if you do not know what you have. Fleming says that starts with keeping your travel accounts organized.

“I created a spreadsheet which basically lists my program, American Airlines, my account number, my password, when the points expire and how many points I have,” Fleming said. “Then you know what you have to work with.”

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I use a phone contact called “Travel Profile.” In that contact card, I store airline, hotel and rental car loyalty numbers in alphabetical order. So, when I am checking into a hotel or renting a car, I can quickly find the right number.

Here is how to set one up:

  • iPhone: Open the Contacts app > tap the + button > enter Travel Profile as the name > scroll to Notes > type your airline, hotel and rental car loyalty numbers in alphabetical order > tap Done.
  • Samsung Galaxy : Open the Contacts app > tap the + button > choose where to save the contact, such as Phone or Google > enter Travel Profile as the name > tap View more if needed > add your loyalty numbers in Notes > tap Save.

One important warning: do not store passwords in this contact card. Use it for loyalty numbers only. Keep account passwords in a secure password manager instead.

The trade-off is that a phone contact will not show your current point balances or expiration dates. That is where a spreadsheet or password manager can help, especially if you have dozens of travel accounts.

Watch expiration dates before points disappear

Some airline miles no longer expire. Fleming noted that United MileagePlus miles and Delta SkyMiles do not expire. However, other programs still have expiration rules. Flying Blue, the loyalty program for Air France and KLM, now uses a single 24-month validity period for miles, with qualifying activity able to extend that date. That means you should check each program before assuming your miles are safe forever.

Also, do not ignore small balances. A few thousand points may not buy a long-haul ticket, but they may help with a hotel night, upgrade or short flight later.

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Airline status may not go as far as it used to

I asked Fleming whether airline status still means anything. His answer was blunt. “Unless you have the top tier status, I don’t think so,” Fleming said.

I get it. There was a time when top-level status could feel special, especially when flights were delayed or canceled. You could call a dedicated number, find the right person at the airport and sometimes get real help getting where you needed to go.

That still happens, but it feels less dependable than it used to. Planes are packed, upgrades are harder to clear and airlines often sell premium seats instead of handing them to loyal flyers.

Status can still help with free bags, preferred seats and priority support. However, I would not chase it blindly unless the perks still match how often you fly and what you are spending to get them.

Use travel tech to get ahead of delays

One of my favorite travel apps right now is Flighty. It tracks your aircraft before it becomes your flight, which can give you an early warning when trouble is starting to build.

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For example, your plane may still be in another city with several flights to complete before it ever gets to you. If one of those earlier flights gets delayed, Flighty can often show the ripple effect before the airline sends an official alert. Flighty can send real-time alerts for delays, gate changes and cancellations.

You can also track a flight right inside the Messages app on your iPhone. Send yourself, or someone else, the airline name and flight number , such as Delta 1234 or American 456. You can also try the airline code and number, such as DL1234 or AA456. Once the flight number appears underlined, tap it and select Preview Flight. You should see details such as flight status, departure time, arrival time, terminal, gate and baggage claim when available.

One low-tech trick I still swear by is carrying a UK plug adapter. Some airplane outlets get loose from heavy use, especially with standard U.S. plugs. A UK adapter may fit more securely in certain universal airplane outlets, but it will not work on every aircraft or every seat. Also, treat it as an adapter, not a voltage converter, and use it only with chargers that support the power range printed on the charger.

Protect your miles like money

Airline miles and hotel points have real value. That makes them attractive to hackers. A thief who breaks into a loyalty account can drain your miles, book travel or sell access before you notice. Since many people rarely check old airline and hotel accounts, fraud can sit there longer than it should.

CyberGuy has covered how hackers can hijack travel rewards programs and drain miles. To protect yourself, use strong, unique passwords for every travel account and store them in a secure password manager. Turn on two-factor authentication (2FA) when available and review your balances often.

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You should also keep strong antivirus software on your devices to help block malicious links, phishing pages and other threats that can lead to account theft. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com.

Also, consider using a data removal service to reduce how much personal information is floating around online, since scammers can use exposed details to make travel-related phishing messages look more believable. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting CyberGuy.com.

Finally, be careful with any email claiming your miles are expiring or offering a too-good-to-be-true travel deal. Go directly to the airline or hotel site instead of clicking links in surprise messages.

Asking about paid upgrades at the airport may not always work, but sometimes one polite question can unlock a much better seat for less. (iStock)

Pick travel credit cards carefully

Travel credit cards can still unlock value, but only if the perks match how you actually travel. If you fly one airline often, a co-branded card may help with bags, boarding or award discounts. If you want flexibility, a transferable points card may give you more options across different airlines and hotel partners.

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Before you chase a welcome bonus, read the annual fee, spending requirement and redemption rules. A giant bonus can lose its appeal if you have to overspend to earn it. CyberGuy’s best airline credit cards guide at cyberguy.com/ can help you compare travel cards, perks and earning structures before you apply.

Watch the CyberGuy Live replay: Lock Down Your Phone in 30 Minutes

Your phone holds your email, passwords, photos, banking apps and personal data. In this free CyberGuy Live replay, Kurt the CyberGuy walks you step by step through simple phone security fixes you can do at your own pace. You’ll learn how to improve your privacy settings, spot the latest phone scams, use trusted security tools and walk away with a simple checklist to stay protected. Watch the replay and get our checklist here: CyberGuyLive.com

Kurt’s key takeaways

Airline miles are still worth collecting, but you have to be more careful than ever about how you spend them. Dynamic pricing means the same seat can cost a reasonable number of points one day and an outrageous number another day. That is why flexibility, research and patience can make such a big difference. Before you redeem, compare the cash price against the point price. If the value looks weak, save your miles and buy the ticket instead. Also, organize your loyalty accounts now, not when you are standing at a rental car counter or rushing through an airport. A spreadsheet, secure password manager or travel profile in your phone can keep your rewards from becoming a pile of forgotten numbers. And next time you fly, ask about paid upgrades. You may get nothing. Or you may hear a price that makes the whole trip feel like you beat the system. For more of my conversation with David “The Miles Guy” Fleming, you can watch the full podcast episode at CyberGuy.com.

Do you still think airline miles are worth chasing, or have airlines made the rewards game too confusing to trust? Let us know by writing to us at CyberGuy.com.

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  • For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com – trusted by millions who watch CyberGuy on TV daily.
  • Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.

Copyright 2026 CyberGuy.com. All rights reserved.

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Meta’s glasses will turn off the camera if you tamper with the privacy light

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Meta’s glasses will turn off the camera if you tamper with the privacy light

Amid public backlash over its smart glasses, Meta announced that it will be updating its glasses with a new feature that will disable the camera when it detects that someone has tampered with or destroyed the glasses’ privacy LED light. The update is meant to address modders who have taken actions such as physically drilling into the LED light.

Meta has previously tried to discourage tampering with the LED light. For example, starting with its second generation glasses, blocking the light with tape or other objects will trigger a prompt asking users to uncover the recording light. However, many modders have found various workarounds for that particular measure.

Meta’s VP of wearables Alex Himel told The Verge that the privacy-focused update was on the way a few weeks ago after launching cheaper Meta Glasses without Ray-Ban branding. At the time, Himel acknowledged that the company was aware of increasing misuse alongside wider adoption of the devices.

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Discord accidentally banned over 8,000 people for posting grids and other ‘benign’ images

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Discord accidentally banned over 8,000 people for posting grids and other ‘benign’ images

Stanislav Vishnevskiy, Discord co-founder and chief technology officer, writes that the bug impacted around 200 users who posted “grid-like” pictures, in addition to about 8,000 people who posted “other benign images” since May 2026. “Everyone affected has now been unbanned,” Vishnevskiy says.

In a thread on X, Discord writes that its safety system is designed to flag content by “matching it against known harmful material.” This system can produce “false positives,” Discord explains, which is when an employee would step in to review the flagged content. But instead of just temporarily preventing the account from uploading content during the review, a glitch led its system to ban users entirely.

“When our staff reviewed and cleared those accounts, the same bug prevented the ban from being lifted automatically, so it just stayed in place,” Discord says.

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