re Lyft: We detect recycled phone numbers, and we'll challenge you (or "not you") for further identification.
Phone recycling has been a much bigger problem for non-fraudulent cases, e.g. you pop-in a new SIM card and naively sign up for Lyft, getting the account of someone else (e.g. a tourist's). Fraudulent takeover of passengers' Lyft accounts hasn't been happening that much — fraudsters have a much easier time stealing credit card numbers than Lyft accounts.
Phone recycling has been a much bigger problem for non-fraudulent cases, e.g. you pop-in a new SIM card and naively sign up for Lyft, getting the account of someone else (e.g. a tourist's). Fraudulent takeover of passengers' Lyft accounts hasn't been happening that much — fraudsters have a much easier time stealing credit card numbers than Lyft accounts.