"You accidentally turned ₽ 100, please" — this type of fraud they know everything. But what if you actually transferred ₽ 10 000 to the card and asked to return it back? Rush to mobile to the Bank or to refuse? You shouldn't do either. We will tell you how not to become an unwitting participant in the crime and the victim of other fraudulent schemes.
found examples of scams that look obvious until you hit them yourself, and backed them up with recommendations on how to protect your money.
How it works? The call is usually addressed: you are called by name, talk about the accumulated bonuses. Scammers can introduce themselves as a "Federal bonus center", particularly arrogant – "Beeline", Sberbank or other reputable company.
Scammers offer to spend bonuses, paying them part of the cost of their goods, or pick up a gift. If the person refuses, hang up. In case of refusal to receive the parcel begin to blackmail.
What to do? It makes sense not to buy anything from strangers on the phone, even if you are called by name, represented by a Federal organization and offer huge discounts. It is not necessary to name personal data, address.
How it works? Important messages allegedly sent from the Bank. For example, about blocking the card with the phone number where you need to call back to unlock the card. If you call the specified number, most likely, you will be asked to go to the ATM and make some actions with the card. This should not be done, you only need to contact the Department.
Such SMS usually contains another sender, the number or the name of the Bank may be slightly changed. If in doubt, from whom SMS, check the history of correspondence: SMS from scammers get into a new chat, where there is no history of messages from the Bank.
What to do? If you are forced to contact the Bank, it is necessary to call back only to the number specified in the usual SMS FROM the Bank, on the back of the Bank card or website. The same applies to clicking on the link that was sent to you in the message.
How it works? The fraudster really transfers money to the card. Then comes the call: the sender made a mistake, asks for a refund, but on another card.
In this case, you should not rush to the rescue and transfer the money to where they say. Probably someone is trying to cash a large amount by dumping it in small pieces into different accounts.
If you transfer money, your account may be blocked on suspicion of fraudulent transactions. It will be difficult to prove that you are not an accomplice to a crime for which criminal liability is provided.
What to do? If a person really made a mistake, he can apply to the Bank branch and cancel the transfer by providing his documents. If you are persistently asked to transfer money to another account and otherwise move away from an independent solution to the issue — this is an occasion to contact the security service of the Bank.
Leave money at home, enjoying the "gift", too, can not. Law enforcement agencies are struggling hard with "cashing", because under the hot hand will get not only the person who transferred the money, but you as the last link in the chain (on what basis you left the money at home?).
How it works? You have chosen a product: like the price, suitable location of the seller, you want to pick up this thing as soon as possible. You are asked to make a prepayment for the delivery. Perhaps even offer to send a scan of the passport, but it is also not an option: Avito sometimes use not your document, and someone else's, obtained in dialogue with the seller / buyer on another transaction. After receiving the prepayment for delivery, the seller disappears.
What to do? It is desirable to conclude all transactions with personal contact. If you are a seller-will be sure to get the money. If the buyer-make sure that the product corresponds to the stated in the photo. In General, you will sleep peacefully.
How it works? After this SMS call comes: the person claims that the wrong number in the room, he needs to urgently confirm the transaction, buy a plane ticket and fly to his pregnant wife, etc.
What to do? This message indicates that someone is trying to use your data for payment. And to call code cannot be.
How it works? Offer to pay for you by card, so you then gave the money in cash. After all the settlements, it turns out that the card that was paid for you was recently stolen. And you can demand money, as you allegedly became an accomplice to the crime.
What to do? Don't help strangers in line. Of course, there are different situations, sometimes a person really needs help. But it is better to think 100 times. In any unclear situation when you try to accuse of what you didn't do, call the police.
© aleksey_78 / twitter
How it works? In such SMS OR e-mails attackers want to force the recipient to click on the link. This may be an invitation to work, notice of debt or seizure of property. Or a TEXT about the money coming in.
What to do? Even if the SMS or letter is credible, it is necessary to recheck everything: look for the sender's number on the Internet, check the spelling of the domain name of the site. Do not go anywhere and download anything.
How it works? Comes SMS, on which need to answer. It can be a congratulation with a win or a call to complete some action. But since the winning scheme is almost no one takes seriously, it is more likely to receive an SMS THAT will make you think or will appeal to fear.
What to do? You can check the number that is listed by the sender in the database of short numbers of MTS, in the database of "MegaFon" or other mobile operator.
© adeep / pikabu
© adeep / pikabu
How it works? When selling real estate, a potential buyer wants to make sure that he speaks with the owner, not with an intermediary, and that the real estate is legally all right. And asked the extract from the egrn. In this case, the buyer gives a link to the service that produces these statements in private, and more expensive than if you order the document directly.
What to do? Of course, not to make up statements to potential buyers. If a person is interested - he should come and see the property. Sending a document to an unknown person is not a good idea.
© VANSSOFT / pikabu
The owner of the card did not have time to cheat: someone blocked it through the contact center of the Bank. But this is a great example of how not to treat your security, because some operations can be performed without a CVV code, knowing only the card number and expiration date.
What are some ways to protect your money from fraud?
Photo on preview of VANSSOFT / pikabu