Apr 23, 2025
Claudette Merchant was doing what millions of parents do every day — grocery shopping for her kids. But when she got to the checkout at her local H-E-B, her Supplemental Nutrition Assistance Program (SNAP) card was declined.
She had received her monthly deposit — nearly $700 — just hours earlier, but by lunchtime, nearly all her funds were gone.
Advertisement
“I said, you got to be kidding me,” Merchant told KPRC 2. “$5 on my card. I thought he meant $500, but $5. That’s crazy.”
With just a few dollars left on her card and three kids to feed, the Houston single mom says every day has been a struggle.
"I’ve been scammed,” she told KPRC 2. “It’s hard for single parents, especially single mothers that don’t have help like they’re supposed to.”
Why can’t the funds be replaced?
Unfortunately, the SNAP funds cannot be replaced — even though they were taken without her permission through no fault of her own.
Merchant is among the many victims of “SNAP skimming,” a growing type of electronic theft in which criminals install hidden devices on card readers to steal card numbers and PINs. Once the information is cloned, they can wipe out an account in minutes.
Until recently, stolen SNAP funds could be reimbursed under a federal protection program — but that law expired on Dec. 20, 2024, and Congress has not renewed it. That means any benefits stolen after that date — including Merchant’s — are not eligible for replacement unless the state sets up its own replacement program. Texas has not.
“It sounds like you’re not getting that money back,” KPRC 2 reporter Gage Goulding told her.
Advertisement
“Nope. And that’s wrong, and that’s why it’s so much fraud — because no one’s doing nothing about it,” Merchant replied.
Merchant has since canceled her old card and ordered a new one, as advised by Texas Health and Human Services. But that doesn’t solve the larger issue: how to feed her children with almost no funds for the month.
Must Read
- Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — are you doing the same?
- Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how
- Robert Kiyosaki says this 1 asset will surge 400% in a year and begs investors not to miss this ‘explosion’
Join 250,000+ readers and get Moneywise’s best stories and exclusive interviews first — clear insights curated and delivered weekly. Subscribe now.
How to protect your SNAP benefits — and what to do if you're scammed
SNAP provides monthly food assistance to low-income households. In Texas, funds are loaded onto a Lone Star Card, which works like a debit card at grocery stores. Households can receive anywhere from roughly $300 to nearly $2,000 per month, depending on income and family size, according to Texas Health and Human Services.
However, as electronic theft rises, protecting those benefits has become a major concern.
Here are some ways SNAP recommends you protect your account — and what to do if you're targeted.
Never share your PIN
State officials will never ask for your PIN, and neither should store clerks, friends or anyone outside your household. Only share your PIN with trusted adults who live in your household.
Be wary at checkout
Check card readers for loose parts or hidden devices often used for phishing — tug slightly to see if anything moves. If you see wires or if the card reader moves or comes apart, don't use your card. When entering your PIN, use your hand or body to shield others from seeing it.
Change your PIN every month
Set a reminder to change your PIN each month. The USDA recommends changing it the day before your benefits are expected to be deposited. That way, if phishers have your current PIN, they won't be able to access the funds.
Report fraud immediately
If your card is compromised, contact your local SNAP office right away. Cancel the card and request a new one. States can use their own funds to replace stolen benefits, so check in your area before assuming they won't be replaced. Even if benefits can’t be reimbursed, reporting the incident helps officials track skimming trends and locations.
How to access food if your benefits are stolen
Start by contacting your local food bank, which may offer emergency groceries or prepared meals. Community organizations, churches and mutual aid groups can also provide short-term support.
If you’re on social media, look for “Buy Nothing,” “Food Not Bombs” or other neighborhood support groups where members often share food or supplies. These steps won’t replace the stolen funds, but they can help you get through a tough time while you explore your options.
You May Also Like
- Turning 50 with $0 saved for retirement? Most people don’t realize they’re actually just entering their prime earning decade. Here are 6 ways to catch up fast
- Inside a $1B real estate fund offering access to thousands of income-producing rental properties — with flexible minimums starting at $10
- Vanguard’s outlook on U.S. stocks is raising alarm bells for retirees. Here’s why and how to protect yourself
- Here are 5 easy ways to own multiple properties like Bezos and Beyoncé. You can start with $10 (and no, you don’t have to manage a single thing)
Danielle is a personal finance writer based in Ohio. Her work has appeared in numerous publications including Motley Fool and Business Insider. She believes financial literacy key to helping people build a life they love.
