Top 7 Signs of Phone Fraud

Every day in the media there are reports that fraudsters under the guise of a bank security service lured money from another gullible citizen.

According to Stanislav Kuznetsov, deputy chairman of Sberbank, attackers made over 15 million calls to Russians last year. They constantly improve their methods of taking money from the population, act very convincingly and assertively, use IP-telephony and phrases that inspire confidence, for example: “I record information”, “I transfer you to the chief specialist”, etc.

And even if you are firmly convinced that you will not fall for them, tell 7 signs of a fraudulent call to your loved ones. If the dialogue goes according to one of the following scenarios, you need to immediately hang up.

7.The interlocutor by any means tries to find out the SMS code, data from the card, or Internet bank

The real employees of the bank where you keep your funds know your card number. And the SMS code is an analog of a password, and bank employees are prohibited from asking for it. Also, they will never ask to name the username and password from the Internet bank or security codes on the back of the card.

If you have the slightest doubt that you are talking to a real bank clerk, find out his name and hang up. Then call the number indicated on the bank’s website or the back of your card and ask to switch to the employee who called you.

Important: do not call the phone that was allegedly dictated to you by a bank employee.

6.The interlocutor rushes you, does not allow you to collect your thoughts

It is important for scammers that you comply with their requirements as soon as possible. After all, if you start to reason and analyze the situation, you will guess that the call is phishing.

Therefore, do not fall for tricks like “Tell me the code from the SMS as soon as possible so that I can block a suspicious transaction.” These are clear signs of a fraudulent call. A real bank employee will not rush you, he has nowhere to rush until the end of the working day. He may even suggest that you visit a bank branch and find out all the information you are interested in on the card there.

But the attacker will ardently dissuade you from visiting the bank office, referring to the fact that employees may be compromised.

5.There was a request to transfer money to a secure account

To lull the vigilance of his victim, a telephone scammer may suggest that she transfer money to a certain protected or reserve account, and close the main one. In some cases, citizens withdrew their money from all their deposits and only then transferred them to the attackers.

Needless to say, it was much more convenient for a fraudster than asking for confidential information on individual cards?

Another version of this scheme: the fraudster notifies the client that a loan was allegedly issued in his name. And to cancel the operation, you need to “break the credit with a copy” and transfer the money to a secure account.

4.The interlocutor does not answer clarifying questions

The bank knows all financial information about its customers, including the account balance, validity period, and the number of connected cards. But scammers are not.

You can easily catch an “SB bank employee” lying if, for example, you dictate to him a completely arbitrary card number (giving it as your own) and ask how much money is on the account now.

3. The interlocutor asks for the phone numbers to which you usually make calls

Your mobile phone is the key that opens online banking. In some cases, attackers can reissue a SIM card by naming the numbers you called most often and providing a fake copy of your passport.

2.The interlocutor offers to install on the phone a special software

“Bank security officer” will assure you that this application will protect your confidential data and will not allow you to withdraw funds from your account. Exactly the opposite will happen.

And the real representatives of the bank will only make a helpless gesture – you installed the application on your smartphone, and with its help, an attacker will gain access to your online bank and will be able to transfer funds to your account.

The media have already written about such cases, for example, a 30-year-old resident of Altai, after installing such software, lost 188 thousand rubles. And a resident of the city of Yurga, who installed an application for remote access on his mobile phone, found that an online loan was issued in his name, and the money was transferred to someone else’s card.

1.You are called from an automated call center

Not always a fraudulent call begins with the words “You are called from the bank’s security service.” It happens that a robot supposedly from a banking organization acts as a messenger who brought bad news.

He informs you that your card is blocked for one reason or another and dictates the number you can call and find out the details. And then a human trick comes into play, and the fraudster, on behalf of the bank, tries to find out the secret data of the card or the password from the online bank.

Remember: all contact information is listed on your bank’s website. Call only these numbers, and not the numbers indicated in the SMS received from an automated call center or an alleged bank employee.

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