Every tenth Russian encounters telephone fraud: criminals call a mobile phone and, posing as bank employees, try to gain access to money on a card 1 . To avoid falling for the bait, you need to know the main fraud schemes and react correctly to suspicious calls.
What schemes do scammers use?
The main goal of fraudsters is to gain access to your card or force you to transfer money voluntarily. Different methods are used for this, criminals regularly invent new approaches, which is why even the most cautious and informed person can become a victim.
Possible scenarios of fraudsters’ “work”:
intimidate: they call you and inform you that your card has been blocked, that a hacking attempt has been made, or that a large sum of money has been requested to be transferred from your account;
to please: you are told that a money transfer has been slovenia mobile database received in your name, and in order to receive it, you need to provide payment details;
do not arouse suspicion: as part of the “routine check” you are asked to confirm your card details, update the answer to your secret question, and dictate your passport details.
Using various psychological influence techniques, fraudsters try to:
access your banking app,
find out card details,
find out your passport details in order to apply for a microloan or credit in your name,
convince you to transfer money to a “safe account” that belongs to the scammers.
A typical dialogue with a scammer looks like this:
You pick up the phone and they immediately address you by your first name and patronymic.
The subscriber introduces himself as a bank employee - a client manager, head of the security service, or a specialist from the quality control department.