It would seem that all sensible people understand that no one should be told the card number, and even more so the password to it. How then does it turn out why money from the card is fraudulently lost? Let's describe the scheme used by criminals to cash in on people who advertise for sale or purchase on classified sites.
So, the ad for the sale has been placed, you are waiting for a call from potential buyers. Scammers at this time carefully study the details of your ad text, choose the appropriate legend and manner of conversation. They start the conversation something like this: “You haven't sold the arena yet? Is he in good condition? In this case, the questions are asked to the point, but here you should be alerted by the fact that the answers are not always heard.
This is followed by a statement of a completely true legend - “My wife chose your playpen, I am now in another city, I will transfer the money to you, and my wife will come and take the playpen. Tell me where to transfer the money? " Fraudsters receive your card number and bank name. They can "work" with the card of any bank, but for some reason they choose Sberbank more.
This is followed by an explanation of why they need you to say the password: “… to pay I need to attach your card to our corporate accounts, from which I will pay for the playpen. Now you will receive a password on your phone, dictate it to me. The scammers' speech is fast, persistent, they repeat phrases one after another, so as not to let you come to your senses and get off the hook.
The following should also be sure to alert:
- The names of famous companies or amounts will be mentioned many times to impress you.
- The offender will persistently ask you not to hang up, otherwise the transfer may be interrupted. In parallel with your conversation, you will receive a message on your mobile about entering your personal account. The interlocutor will insist to tell him the password received in the SMS message.
What actions should be taken if you realized that you are talking to scammers and, moreover, gave them a password?
1. Immediately end the conversation, hang up the handset.
2. Block the card and the entrance to your personal account. To do this, immediately call your bank's contact center. They work around the clock and most of them are free of charge. With the help of the operator, block the card and enter your personal account.
3. Leave a request for card re-issue by the bank (sometimes it can be done by phone).
4. Check your computer and phone for viruses.
5. Read the rules of protection against fraud on the bank's website. If you react with lightning speed, the criminals will not have time to transfer money, even if they received a password from you. As for deposits, they first transfer funds from deposits to a current card account and only then withdraw funds. Therefore, even if money has already been “withdrawn” from the card account, then, quite possibly, there is still no money from the deposit.
Recommendation: be careful, scammers are becoming more sophisticated every year in their methods of dishonest taking away money, so it is not always possible to be sure that only pensioners are being deceived. Criminals are good "psychologists"; they can easily find the right "keys" for both a young mother and a mature man, not to mention the elderly and children.
