How scammers work

How scammers work

Recently, fraudsters are very often pretending to be security officers of popular banks. On the phone they report a suspicious payment or transfer and try to lure data to steal money from the card. How do I find out what the intruder is calling you?

1. Suspicious phone number

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Fraudsters: may call from a hidden number, from a regular mobile number (starts, for example, at +7 (910), +7 (925), +7 (900), etc.) or from a number that does not belong to the bank – but not necessarily.



Bank employees: they call only from the official bank number and, in very rare cases, from a mobile number. In Sberbank, for example, it is 900, 8 (800) 555-55-50 and +7 (495) 500-55-50.

What to do? Find out in your bank from which numbers employees can call, add them to your address book and be doubly alert if you get a call from another number. On Sberbank’s website you can check the number for fraudsters. You can also check unfamiliar numbers on sites like neberitrubku.ru, someone calling.rf or Stop spam – there you can read the comments of those who already answered the callers from this number. Or put a caller ID app on your phone.

Unfortunately, attackers can use special programs for number spoofing – when the call is determined by the number of the bank. In spite of the fact that in 2020 such a scheme was used less often, you should not lose vigilance, even if the call comes from the official number.



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2. Attempt to learn confidential information

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Fraudsters: try to get information about the full details of the card (number, PIN-code, CVV-code – three digits on the back of the card), code from the SMS, password from the online bank or a code word. Sometimes data are asked to inform “robot” – allegedly for security reasons.

Bank employees: they can give you your card number. And they never ask you for confidential information: PIN-code, CVV-code, passwords from SMS and private offices.

What can I do? Stop the conversation if you are asked to name the secret data of your card, personal cabinet or passwords from SMS on the other end of the wire – even if this data needs to be named to a robot, sent by SMS or entered in a special form on the site.

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3. Hurry, pressure, threats

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Fraudsters: convince you of the seriousness of the situation – for example, that a suspicious operation must be canceled immediately, otherwise all the money will be written off your card. They are irritated if you think for too long or have doubts. They discourage you to call back the official number of the bank.

Bank employees: they say calmly, do not rush, will support you if you decide to call back to the bank yourself.

What to do? The purpose of fraudsters is to confuse you, so that in a hurry and stress you do not have the opportunity to think rationally and remember all the security tips. If you feel that you are under pressure, hang up and call back the official number of the bank: you can find it on the back of your debit or credit card and on the website. You can also visit the application or your bank account to make sure that nothing has been charged from your account.

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4. Difficulty answering questions

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Fraudsters: may not know all the information about you – for example, your middle name, card number or other products in the bank (another card, credit or deposit).

Bank employees: they will be able to tell you the last 4 digits of your card number, know about all the products that are opened in your name in the bank (including the exact amounts in your accounts), and your passport details.

What to do? Ask the caller a few questions: “What is my middle name?”, “What is the number of my card with which the “suspicious transaction” took place?”, “What other products are in the bank in my name?”. Fraudsters can tell you that this is confidential information that they have no right to disclose – hang up safely.

Sberbank’s press service warns you not to try to determine whether it is a cheater or not, with the help of questions to the caller – scammers can be very convincing. If you are worried, call the bank at the official number or write to the chat in the bank application.

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5. Culture of speech

Fraudsters: often make mistakes in words and accents, talk carelessly, you can hear noise in the background. Instead of the name of the bank, they may say: “Our bank”.

Bank employees: they usually pronounce the learned text in a script, rarely making mistakes in the pronunciation of words or accents. If they pronounce the name of the bank, they do it completely.

What can we do? If you have a suspicion of the speaker’s speech on the other end of the wire, then drop the call and dial the official number of the bank – it is on the back of the card or on the website. Important: do not call back the number from which you were called, even if it seems to resemble the official number.

6. Calls to action

Fraudsters: may ask you for any action. For example:

  • withdraw money from ATM and put it in another account;
  • transfer money to a special “secure” account;
  • install any software on your phone or computer (TeamViewer, AnyDesk and others, which will give them full access to your device for a while and allow them to access your bank account);
  • locate any amount (e.g. “secured payment” or “for verification”);
  • enter a command on your phone (this can lead to the forwarding of calls from your phone to the number of cheaters);
  • and so on.

Bank employees: may ask you to confirm or deny a transaction that is questionable from the bank’s point of view. If you do not confirm the payment or transfer, the employee will say that the operation is cancelled, your money is left on the card, and the card itself is better to block and reissue – you can do it through the application, on the website or in the office of the bank.

What should I do? Do not perform any additional actions, except for answers to questions.

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Member Important

 

  • Don’t tell anyone passwords and codes from SMS, full card number, CVV code on the back of the card, password from personal cabinet or bank application, code word.
  • CMS from the bank always come from the same number. If a text message, for example, about a transfer made or a payment made has come to a new dialog, it is likely that these are fraudsters. Check your account balance information with the app or bank account.
  • Don’t follow links from text messages, don’t install programs you don’t know on your phone or computer.
  • Don’t transfer money to accounts of unfamiliar people and organizations, even if they are supposed to be bank employees or “special accounts”.
  • Don’t call back on unfamiliar numbers, especially short numbers: they may be chargeable. If you have received a call “from the bank,” but are in doubt, do not call back to the same number, even if it looks like an official number. Dial the number of the bank manually: you can see it on the back of the card or on the bank’s website. Or write to employees via the bank app.
  • If you did tell the fraudsters about the card or the code from the SMS, urgently call the bank at the official number and block the card.
  • Communicate about fraudsters to the bank on whose behalf they acted. At Sberbank, for example, you can fill out a special form at the site.


WARNING! All links in the articles may lead to malicious sites or contain viruses. Follow them at your own risk. Those who purposely visit the article know what they are doing. Do not click on everything thoughtlessly.


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