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CLEVELAND — The family of a 75-year-old woman is fighting for more information after they say she received a letter from the Social Security Administration stating that she needed to repay nearly ,000. Teresa Licate of Stow, Ohio, is a two-time cancer survivor that suffers from a heart condition. She recently received a letter from Social Security, dated Oct. 17, 2018, that said she had been mistakenly overpaid ,796 and needed to pay that money back. Teresa's son, David, said she was in considerable distress when she received the letter. "Almost to tears. What am I going to do?” David Licate said of his mother's reaction. A trip to the Social Security offices in nearby Akron weren't of much help. David Licate claims an agent told him that she "didn't have any idea what the problem was." Since October, Social Security has withheld more than 0 a month from Licate's check. But David Licate said his mom's paperwork tells a different story. "We were able to go back and illustrate that they lost the data that the dollar amount was mistaken,” David Licate said. Beyond Social Security's mistake, the Licates are frustrated that Social Security couldn't see an issue coming with Licate's account. “The threshold for a flag to kind of check this out, to make sure this is accurate doesn't have to be ,000,” said David. “I would say a thousand dollars maybe." The Social Security Administration that it could not comment on Licate’s case until the appeals process is complete. "If a bank did this, they would be regulated out of business,” David Licate said. “They wouldn't be able to survive." The Licates also claim that Social Security promised it would send an emergency payment by Feb. 4, but they have not received anything as of Feb. 22. At least David Licate is there and able to help his mother."I feel sorry for seniors that do not have someone who can do that,” he said. “They're left out on their own." 1945

The U.S.-Canada border will remain closed to non-essential travel until at least Sept. 21, Canadian Emergency Minister Bill Blair said in a tweet on Friday.The border has been closed since the pandemic began, and the closure is re-evaluated every 30 days. We are extending the reciprocal restrictions at the Canada-US border for another 30 days, till Sept. 21, 2020. We will continue to do what’s necessary to keep our communities safe.— Bill Blair (@BillBlair) August 14, 2020 The ban on non-essential travel, which has been in place since March 20, was set to expire on Aug. 21.Travel restrictions do not apply to air, freight rail, or sea travel between both countries. Commercial crossings for trade and commerce will continue as usual.Family members of Canadian citizens or permanent residents can cross the border into Canada but must stay in the country for at least 15 days. This story was first reported by WXYZ. 951

Trying to avoid the grocery store these days?If you order through Instacart, you can have your groceries delivered right to your door from dozens of different supermarkets.However, some customers claim the people grabbing those groceries for you may be helping themselves as well.Terri Angel loves the convenience of Instacart grocery delivery from stores,, but she is getting concerned with mysterious charges that keep showing up on her bill."The other day, after I went back and reviewed the receipt, there was a pack of cigarettes on it," she said.Someone had billed her an extra ."It was a very expensive pack of cigarettes, a brand I haven't heard of, purchased and put on our list," she said. "So it was on our receipt and we did pay for it."Another day, she was billed for Red Bull energy drink."Just recently, on the 8th, a Red Bull was added at the end of the shopping cart," she said. "I guess they were thirsty and needed energy and decided to add on a Red Bull."She wonders how many others she's missed.Angel is executive director of a collection of group homes for the disabled, and orders groceries for them several times a week.It's those disabled clients, she says, who are being ripped off.Complaints increase as orders surgeA recent report in USA Today claims a growing number of customers accuse Instacart shoppers of stealing their groceries.Instacart's Facebook page has a number of complaints of similar mystery charges.It was pretty much inevitable that during a pandemic, with so many shoppers now ordering online and so many more people having to be hired to fulfill those orders, that we would see an increase in complaints.Instacart says orders have surged 300% this year, and it has hired tens of thousands of new shoppers to handle the load.It says each are thoroughly checked out before being hired, but says occasional errors and problems do happen. But It notes that "in these rare instances ... customers should contact Instacart care to have their order refunded."Terri Angel has one other piece of advice: Go over your receipt every time."Absolutely," she said. "Check your bill. Make sure you are checking every item on that receipt and that you received it."Instacart is an independent company, and is not owned by your local grocery store.Instacart, meantime, told us customers should reach out with any order or delivery problems (full statement below), so you don't waste your money.Full Instacart Statement"We’re seeing the highest customer demand in Instacart history and have more active shoppers on our platform today than ever before picking and delivering groceries for millions of consumers. As consumer demand continues to climb, our teams are working around the clock on a rapid response product roadmap to ensure that we can continue to safely and reliably serve those turning to Instacart as an essential service provider. We've recently started to roll out new “Missing Order” and “Missing Item” features that allow customers to make in-app reports and automatic refund requests in the rare instance that an order is delivered to the wrong address or doesn’t arrive, or an item is missing from the customer’s order. Instacart also has a 24/7 Care organization dedicated to customer and shopper support, as well as a robust Critical Response Team dedicated to immediate needs."________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3619

Paycheck Protection Program funds helped keep more than 5 million American small businesses alive through the first half of 2020, but one woman has a warning for anyone applying for aid.Kelleye Thomas, who runs a home daycare, had to shut down for three months due to the pandemic.Her income dropped to zero during the shutdown, but like so many small business and independent workers, she was saved by the government's Paycheck Protection Program."I applied for that through the Small Business Administration, and I was granted a forgivable loan for ,500," she said.That lifeline turned into a financial nightmare because of where she deposited the funds. Before she could even begin using the money, she said, Fifth Third Bank locked her account pending a fraud investigation."The check was deposited, and a few days later I noticed there was a freeze on my account," she said.Panicked, she called the bank."They let me know I needed a business account to receive the funds from this loan," Thomas said.Risk of using your personal accountA lot of independent workers and small business owners use just one account for everything because it is so much easier.But doing that can be very risky if you are getting any sort of federal aid.Business Insider says PPP loans must be put into a separate account to prevent:Payroll errors.Accidental misuse.Questions from your bank.That's what happened here, where the bank's investigation locked her out from all her money.As a result, she was unable to pay some of her most essential bills."I couldn't pay my mortgage or buy food or pay my credit card bills," she said.So we contacted her bank, Fifth Third Bank, where spokeswoman Laura Trujillo told us: "We take potential fraud seriously and are diligent stewards of our customers' money."Because the bank found no fraud in this case, it unlocked Thomas' accounts after our inquiry.Now, she's warning others about mixing pandemic aid with personal funds."I have always had my daycare money deposited into my personal account, and no one ever said anything about it or said I needed to open up a business account," she said.Business Insider says there is one more reason to keep PPP money separate: Eventually having the loan forgiven. Getting forgiveness can be much tougher if all your funds are commingled.So keep tight records, so you don't waste your money._________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2682

MILLVILLE, N.J. -- It doesn’t take much to get Hansel going. His greatest asset is his nose, which comes in handy, as the first pit bull in the country to ever become a certified arson detection dog. “He's my boy 100 percent,” said arson investigator Tyler Van Leer of the Millville Fire Department in New Jersey and Hansel’s handler. “He's certified to detect 14 ignited a liquid odors, meaning anything that you could buy from a hardware store, that you can set a house on fire with, ignite the liquids, he's trained to sniff out.” Hansel’s path getting there wasn’t easy. The 4-year-old was rescued from an alleged dog fighting ring in Canada. Authorities there wanted to euthanize all of the dogs, but rescue groups stepped in. Hansel eventually found his way to Carol Skaziak, who co-founded the non-profit 825

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