Would you say yes?

Kristen - posted on 06/18/2010 ( 23 moms have responded )

300

15

So here's the situation: My MIL asked my husband for my son's social security number. She didn't explain why, just asked for it. I really don't get along with the woman anyway, so this made me really uncomfortable. After a day or so of thinking about it I realized she might want it for a bond or bank acct. I found out that she wanted to open a bank account under my son's name which I assume would eventually be given to him. And while I think its sweet to think of a way to help with future college or financial needs, it still makes me really uncomfortable. I have already opened a bank account for him (he was probably 6 months old when I opened it and realtives were sending money and I felt guilty spending it so I socked it away in his bank account) so I told her that I appreciated the thought but I already have a bank account open and would be happy to put any monies in there that she wanted sent his way. Of course she was not very happy about this. She didn't say much then but I'm sure I'll hear about it later...My question: would you give your child SSN to a relative? I wouldn't even give it to my parents who I get along with so its not like one side is favored over the other in this situation.

Join Circle of Moms

Sign up for Circle of Moms and be a part of this community! Membership is just one click away.

Join Circle of Moms

23 Comments

View replies by

Amber - posted on 07/02/2010

308

18

I've had this fight to. I will not give out my childs ss # to anyone. My ex fil is not the most trustable person in the world and wanted our son's ss # to get him bonds... I wouldn't do it.

Martha - posted on 07/02/2010

21

5

Wow, after reading all this, I think you are right, stick with what you have, she sounds shifty, look out for your child, your the mom, do what feels right, keep up the good work.

Tammy - posted on 06/23/2010

3

16

Yes, It's for a will or college account. It is absolutely needed to do so

Colleen - posted on 06/23/2010

100

35

I was thinking maybe she wanted to start a 529 account for your child. Obviously, it's a very kind act that she wants to "surprise" you, but it's not far out of reach for you to ask why. You are your child's representative, literally, so you do have a right to know since we, as U.S. citizens, are defined by that particular number.
There can NEVER be too many "bank" accounts for your child, but...I just read your follow-up post. EEWWWIIIEEE. I would be hesitant, too, if I were you.

Kellie - posted on 06/23/2010

1

33

No I would not give it to her, she should understand

Amanda - posted on 06/22/2010

344

44

my parents I would, they are very very trust worthy ppl and I go to them for all of my advice, but anybody else I would say no.

Bree - posted on 06/22/2010

11

16

No i wouldn't and I didn't, My husband and i have accounts set up for all or three children for their future and do the same thing

Anna - posted on 06/21/2010

40

12

I wouldn't do it...
For everything that you hear concerning what people (no matter who) do with personal information, it would worry me. Just tell your MIL how it makes you feel. If you already have an account for him open then he doesn't need a second one.

Ashley - posted on 06/21/2010

239

0

I would let her open it, but go with her and you just give them the info. OR like many people say above, she can open it in her name or buy bonds, or use one of those programs that let them use their credit cards to put part of thier purchase towards the fund. After reading your second statement, I would definately not give her the ss#. Just tell her there is too much identity theft out there, you want all accounts, and all info for your son to be under your control so you can check it regularly for fraud. If she gets upset, you should know why. If your husband gets upset, calmly talk to him about it. You have to protect your son. That's your job. If that makes you the big bad DIL, then so be it.

Katy - posted on 06/21/2010

17

46

i would deffinately get a credit report for your son because it sounds like she is capable of trashing already...no i wouldnt have given her the SSN..i hope yu and your husband have talked about the impotance of not giving that out...also get ahold of the bank and see what you can find out about the account because it is your child..good luck

Kristen - posted on 06/21/2010

300

15

Oh I know how that goes. My MIL told my husband when he got out of the army she would pay for school for 2 years for him. She paid one semester and then never did again. He did well in school so its not like it was punishment. She just stopped doing it. She's all about putting on face for her friends that she's such a generous mom, but in reality she doesn't follow through

Birttney - posted on 06/20/2010

13

2

My mother in law did that too. We DONT GET ALONG AT ALL. I told her NO! I found out later she did that for my husband but he hasnt seen any of the money. If you open a saving account under a child name, they don't tax it.

Kristen - posted on 06/20/2010

300

15

Thanks for the thoughts. I'm sticking to my guns on this one. I offered her deposit envelopes that get sent in the mail postage free for my son's account but she's a "my way or no way" kind of person. But whatever. Its probably better this way because she's not all that honest of a person to begin with and is really difficult when it comes time to get important things like my husbands birth certificate (took easily a year or so to get it) and it would really suck to not be able to get the money when the time comes or have her overdraw on the account and have that be reflected on my son. Thanks!

Angie - posted on 06/19/2010

373

7

My mil asked for my kids SSN# when they were very young but we wouldn't give it to her. I trust her completely but it's still a matter of protecting my kids futures. So we opened an account for each kid and gave both sets of grandparents deposit slips so if they want they can put money in themselves.

Christine - posted on 06/18/2010

208

26

my momma opened my son a bank acct. i called the person she had been talking with and gave him the information personally. she now has part of her paycheck go in there every pay period. . . if he already has an acct then her gift can be cash that you put in there. there is no point in the kid having a bank acct from each one of his relatives. that is dumb.

Melinda - posted on 06/18/2010

5

22

I opened IRA's for both my kids with me as the primary controller...they are meant to be used for college one day. After doing this, I let my parents and the in-laws know and supplied them with deposit slips and envelopes for each account. Now when they want to deposit money for the kids, they simply write the check and mail it to the account themselves. It seems to work really well for both sides. Good luck!

Liz - posted on 06/18/2010

269

3

Is there a chance she's trying to claim your son for income tax purposes?



My mom claimed my son a few times, as we lived with her when he was younger. That's the only reason I can think of that your MIL would want his SS#.



Personally, I wouldn't give my SS# to anyone who isn't affiliated with the government or giving me a job.



After reading your second comment:



Get a credit report on your sons name immediately. Your MIL's actions are suspicious enough to warrant that. She could be opening lines of credit in your infants name. It's happened.

Kristen - posted on 06/18/2010

300

15

Thanks, thats sort of what i figured. The side story is that in the past she has "borrowed" money from my husband when he was younger w/o his permission and his dad cashed out some of his bonds as a kid. I quite frankly just don't trust these people anyway but I of course feel guilty because now I'm the big bad DIL who's preventing them from doing a nice thing

Jane - posted on 06/18/2010

1,488

32

i wouldn't she can open an account on her own in her name and just ear mark it for him and make a note in her will. she can also buy bonds in his name w/her social.