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The most famous types of fraud through SMS

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SMS fraud is the most profitable way for a scam. The scheme of the scam is that the victim does not see the deceiver. You can write anything and anytime, and, most importantly, there are a lot of gullible people.

In the article, we will consider the main methods of cheating via SMS.

Car win

The user receives a message congratulating them on winning the car. The essence of this fraud is that the victim must send an SMS confirming that the number really belongs to her. Further, scammers ask for a fee for the delivery of documents or find another excuse. As soon as the victim sends money for the contribution, the fraudster disappears. Conclusion - there was no win initially.

Refund

The subscriber receives several SMS. The first SMS contains information that a certain amount of funds was transferred to the account. The second SMS comes next and explains that the translation was mistaken. The user is asked to return the money received to the account. In fact, no translation was made.

Bank card lock

An SMS is sent to the smartphone with the text that the card is locked and you can contact the phone number regarding the issue of unlocking. By calling the number indicated in the SMS, the user ends up with a scammer. He seems to be a representative of the bank, asks to go to the nearest ATM and do a few manipulations. If you follow the instructions of the scammer, within a few minutes after all the manipulations passed, the money from the account will disappear.

Third view: "Please return the money"

SMS type: "I mistakenly transferred you 300r, please return" and other similar options. If you suddenly transferred a small amount to your phone and it’s not your relatives, then just consider yourself lucky, of course, maybe someone actually made a mistake in the number and mistakenly transferred you what was intended for another, but according to statistics this option is unlikely . But the fact that scammers will reach the mobile phone with a check and cancel the transfer, returning the money back, is a more likely option. Thus, everything that was transferred to you will be written off, and if you still have fulfilled the request, then consider that the fraudsters have enriched themselves by the amount they require. So it goes..

Video: Phone Scam

As soon as telephones appeared, telephone hooligans appeared, and with them telephone swindlers. Now everyone has a mobile phone, from a five-year-old child to an eighty-year-old pensioner. The field for fraud is simply immense. And if there is a product, then there will be a merchant. In this article we have compiled the most common forms of telephone trickery. Be sure to show it to your mom. Moms are so gullible.

The main rule is never to worry or fuss. Such messages usually come in the evening or late at night. SMS scam is the most common, but not the most effective. The patient may not see the message at the right time. Or he may not be a mother, or his child at home, sweet sniffles in a crib after an evening fairy tale. They send such messages in tons, in the hope that something will work. Calling back to such a number is useless; he is always “not a subscriber”. By the way, they can write, addressing not to mother, the appeal “son” or “brother” is less common. It's just that mothers are the most compassionate, it's easier to breed them.

There is already a thinner divorce. When a person is asked to transfer money, he can exert himself, and if asked to call back, then this is as if normal. You never know what, and from whose phone he writes a child in trouble. Alas, the call will be paid, and several hundred will be charged to your account for a conversation with a stranger who will in every way drag out the conversation.If you are worried about your child, then call his number, and not the one in SMS. If you can’t get through, then ask via SMS who writes.

If for no reason, money was credited to your account, then SMS of similar content will probably come soon: “Sorry, I mistook you 300 rubles. Please return to this number. " Again, do not rush. In general, never rush if you are asked to pay strangers. It happens that people are mistaken for one digit and put money on another number. It happens to everyone. But if you are asked to transfer to the number with which your phone is only related by the figure eight in front, this is already a divorce. The meaning of the fraud is as follows: you, as an honest person, put three hundred on the specified number, and the next day the operator writes off the money that the attackers threw from your number. They simply apply with a check to the communication salon, from where they replenished your account, and ask for a refund, because they made a mistake with the number. They are in the black, you are in the black.

This method is completely foolish, but as practice shows, it works. They just write that they put money on your phone and ask you to return it. Even if you are very honest, wait three days, if a person really made a mistake somewhere, he will not leave you alone, he will even call.

Remember the main rule? Composure is first and foremost. Now on. Remember if you have a Sberbank card. Although there may be another bank in the message, scammers send messages to thousands of random numbers, so they often choose the largest one. If you call back on such a number, the fraudster, appearing to be a support or security service, will carry out an “unlock”. To do this, you will need to name the card number and pin code or CVV code indicated on the back of the card. Remember it yourself and tell your mom that bank employees never ask for this information. Never!

Charged money from the card

This scheme is similar to the previous one, but contains more motivating motivation. About to write off the money! Run, save! Do not scam, no one takes anything. Look at the history of your SMS and remind yourself how messages from the bank look. Banks NEVER write like that! The scheme for weaning money is the same: they are asked to provide confidential information to access the card or to make some manipulations at an ATM. In both cases, you will be at a loss.

Loan debt

Scary, isn't it? It is terrible to those who have never received messages from banks. Banks never send messages from obscure numbers. Usually in the “sender” field is the name of the bank in words. Well, if you did not take a loan at the specified bank, then relax. Moreover, if signed on behalf of the Central Bank of the Russian Federation. You can’t even take a loan in it if you wish.

Competition Winnings

This is common. Instead of “Europe Plus” there may be another radio station or even a car dealership that plays cars in honor of its own anniversary. If you call this number, there will be two options. They will ask you for a long time, write down the data, ask you to wait on the line or somehow drag out the conversation, constantly congratulating you on the win. As a result, you will receive a decent bill for a call to a paid number. The second option - you will be asked to pay the tax on winnings through the terminal or in the hands of the courier. Winnings are truly tax deductible. But, firstly, in order to win, you must first participate in the drawing, and secondly, paying tax through a terminal or courier, without visiting the office, is very childish. But the thirst for freebies is great, people are being led to such a thing.

Here they want to grab you on curiosity or on fear. It seems like you were talking with someone and here you can download a photo report from this event. A non-family person is pushed only by curiosity, and a family one is driven by wild fear, because the sikir-head will be there, if this really happened. The meaning of fraud is that by clicking on the link you catch a hellish virus that either pumps money out of the account slowly or blocks the entire system, offering to transfer a certain amount to the specified phone number. Recipe for success: never be fooled by such things. Even if you were hanging out with some kind of beauty, then in a similar way she definitely will not contact you.

In Odnoklassniki there are a lot of elderly people, which means that people are trusting in all kinds of divorces. So, for example, a message comes to your mother with a proposal to get the desired OKs.If you don’t know, OK is a kind of currency inside Odnoklassniki. She can pay virtual gifts to friends or put a five with a plus for a photograph of a school friend. In general, this is a very important thing, for which you can take a chance. The risk in this matter will not be a noble cause, but careless. Because for this message to your number, you are likely to be charged a couple of hundred rubles or even subscribed to some service like weather or jokes via SMS, which will regularly charge money from your mobile account. To find out how much a message costs to any short number, use the service http://smsnumbers.ru/. Just enter the number in the search field and get all the information by number. Who is registered and how much is the message.

This type of fraud has many variations, but the essence of the scheme is quite simple and effective.

1. The victim receives a message (letter) by phone or email stating that:

  • he is among the nominees for the prize in the lottery (competition, promotions, etc.) and to receive the prize it is necessary to pay for its transportation (or other overhead costs depending on the phantom of the scammers)
  • the customer’s card is blocked and it is necessary to call the bank through the telephone number indicated in the SMS
  • the card will be blocked if you do not call
  • the payment has passed on the card and you need to call by SMS
  • card hacking attempt
  • card hacked
  • PIN hacked
  • etc. etc. for one purpose - that the client panicked and called the phone number indicated in the SMS

2. The victim calls the telephone number indicated in the letter.
3. A fraudster disguising himself as a bank employee (even the sound may be like a bank) displays the client with additional information about his card: card number, CVV2 code, name of the bank that issued the card, Internet banking login, password for Internet banking, code 3D Secure, etc.
4. Alternatively, the fraudster may ask the client to go to the ATM and send a "test payment" at the details that he will indicate, inform the code received in the SMS message.
5. After passing the payment, the fraudster hangs up - the job is done.

In the described scheme, there may be various options. A fraudster may appear to be an employee of the Central Bank, processing center, security service, etc. All fraudsters are united by several points:

  • SMS usually comes from "curves" of numbers, often registered in different regions of the Russian Federation
  • SMS can come from 4-digit numbers (in this case, the number may turn out to be paid and the client, having rezoned to it, automatically subscribes to the "left" paid services)
  • SMS can come from mythical companies, such as VISACARD, VISAcard, VISA system, Service, Bask, Service, etc.
  • The client is asked to call a specific phone number, and not the one indicated on the back of the client’s card, or published on the bank’s website
  • From the text of the SMS it is usually not clear which particular bank card is blocked and from which bank the SMS came
  • The text of the SMS does not indicate the last 4 digits of the card number (the correct SMS may contain the text CARD * 1234, where 1234 is the last 4 digits of the card number)
  • If the victim begins to ask non-standard questions (trying to find out who is calling, from which bank, why the SMS text looks like a fraudulent one, why send money, if the bank itself can check everything, etc.), scammers hang up
  • Phones indicated in SMS are usually available only 2-3 days, after which they are thrown away or transferred to third parties

Fighting SMS fraud ("letters of happiness")

Upon receipt of such emails

In no case:

  • Do not call back either on the numbers indicated in the SMS or on the phone from which the SMS was sent
  • Do not send reply SMS messages
  • Do not inform scammers no (!) information about yourself or about the card
  • Do not send money to bank details unfamiliar to you (accounts, phone numbers, etc.)
  • Do not give fraudsters confirmation codes received in SMS messages from the bank

  • Save SMS
  • Call the phone number indicated on the back of your card (s) and report the message received. Alternatively, you can call the phone number listed on the official website of your bank (the address of which is also usually written on the back of the card)
  • Tell all your friends and acquaintances about the scam attempt so that they are also vigilant.

Examples of texts received from scammers in SMS messages (phone numbers are encrypted)

  • By the Bank of the Russian Federation Your Visa card is blocked, info 8 951 ХХХХХХХХ.
  • Your card is blocked due to hacking PIN code, help by phone 8-951- ХХХХХХХ
  • Your Visa card is blocked by the CBRF, support service at 8-961- ХХХХХХХ
  • Your VISA card is blocked. Urgent contact: 8987 XXXXXXXX
  • Your card will be blocked, withdraw all your money from your card T.XXX-XXXXXXXX
  • Your card is blocked. To unlock, call: XXXX-XXXXXXXX
  • / bank / application for transfer from the card was accepted in the amount of 9,000 rubles ХХХ-ХХХХХХХ
  • Attempted account hacking, contact security department 8-987- XXXXXXXX
  • Bank. The application for the transfer of 9000 rubles was successfully accepted, all information by phone. 8 951 XXXXXXXX
  • Operations on your card are temporarily suspended, all questions by phone 8-960- ХХХХХХХ, Central Bank of the Russian Federation
  • Your card is blocked. Telephone for communication 8800 ХХХХХХХ
  • Your bank. The card is locked. Info: 8-951- XXXXXXXX
  • Write-off 400r on account of overdue debt XXXX-XXXXXXXX
  • My name is Sidorevich Petr Sidorovich, I am a representative of VISA. We introduce technical innovations to systems. I ask you the next time you use your card at an ATM to call me back to this number XXXX-XXXXXXXX
  • etc. etc. in the same vein

Telephone fraud is a method of extorting money using telephone communications, both mobile and landline. This may be a phone call or an SMS message of the nature that forces the victim to transfer funds. Such working methods attract fraudsters, since it is difficult to establish the identity of the culprit. In the article, we will consider what to do if an SMS from scammers has arrived.

“Mom, I'm in trouble. "

The most famous and perhaps the most common way of deceiving citizens and appropriating rather large sums of money is requests for help on behalf of friends or relatives. Surely most mobile phone owners have received SMS of similar content at least once.

A more complex scheme is a call from a person who may introduce himself as a police officer or prosecutor. In most cases, the “policeman” reports that one of the relatives became involved in an accident with serious consequences, and in order to avoid a lawsuit and responsibility, a certain amount of money is required to be transferred.

Concern for loved ones, excitement, surprise - criminals who plan to commit fraud count on this. By phone calls or messages about help to scams, they most often manage to deceive the most gullible part of the population - the elderly.

Sometimes scammers simply act at random, calling random subscribers. But there are types of telephone deception when fraudsters purposefully monitor wealthy people, collecting information about them and their friends or relatives. The versions invented by criminals in this case can be incredibly coherent and convincing. To make the fraud victim believe and transfer money to the scammers' accounts, telephone criminals use various methods, using high-tech devices, for example, to simulate the voice or process photos of those on whose behalf they are calling.

Call for help from a relative

Fraudsters send out messages like “Mom, I'm in the police”, “I shot down a man, I was arrested”, “I urgently need your help”, etc. Sometimes the text directly asks you to transfer money to an account. If this is not the case, the scammers expect the victim to call back. The result of such a call may be extortion already in the telephone mode, withdrawing money from the phone account, etc.

Call or message to toll numbers

The method of telephone fraud, when a scam victim tries to reach a paid phone number, is rightfully considered the oldest and most proven scheme.The simplest thing is that a person is called from an unfamiliar number, but the call abruptly ends or is dropped after dialing. When trying to call back, the subscriber either receives long beeps in response, or “communicates” with the answering machine turned on. And in that, and in another case, the call is paid, and the money from the account of the curious owner of the mobile phone goes to the fraudster's account.

Fraud with phone numbers for calls or messages that you have to pay for is used very often and in a variety of variations. For example, dishonest people send SMS with a “profitable” offer to send a message in order to receive some small amount “as a gift” to the account. Most often, those who respond to this, not only do not replenish the account, but also sent SMS costs several times more than the amount of the proposed “gift”.

Top-up another person’s account

Most often we are talking about a request from a "friend" or "child" with a request to replenish the account of the number from which the message came. Another option is a call or SMS from a stranger who “accidentally made a mistake”, replenishing the balance of a mobile phone, put money not on his number, but on the subscriber’s number. And now ask for a “refund” of funds by replenishing the account of his “mobile phone”. Of course, the money with which the “victim of deception” replenishes the balance of an imaginary friend or “inattentive subscriber” immediately goes to the fraudster’s account.

Payment Card Lock

The victim receives a text message on the phone like “Your card in Bank X is blocked. Call back on the specified phone. ” If the owner of the number reacts and calls back, there are two possible outcomes. First, all available funds will be debited from the account already during a phone call. The second - a telephone fraudster will introduce himself as a bank employee and offer to clarify the card details (number, validity period and CV2 code). After receiving such information, all available funds are debited from the card.

Lotteries, prizes, lotteries

No less often, cases of telephone fraud are associated with various “profitable offers” that thousands of citizens receive daily via SMS. Lottery of a valuable prize from a mobile operator, bank, representative office of a well-known trademark, announcement of a sale or purchase at an extremely favorable price ... And for all this, it is proposed “only” to deposit a small amount of money into the account indicated in the message. Of course, no one will benefit from this, except for the scammers themselves, who as a result will receive a decent profit from thousands of gullible people who transferred money.

There are other ways fraudsters can get funds from someone else’s cell phone account. The most common ones are an offer to call back or send a reply message to participate in the prize draw. The number is paid.

Problems with a bank card (account)

The most primitive telephone frauds with bank cards or accounts are designed for the person’s fear of losing money and start approximately the same: SMS from the “bank” comes to the phone or the fraudsters call themselves as their employees. Information can be very unpleasant, for example, that a bank card is blocked or there is a loan debt. In the best case, to clarify the situation, the telephone owner is offered to call the “bank” operator. Those who call back after that get to the paid number and lose a large amount from the mobile phone account.

Much worse consequences occur if, at the request of the “bank”, the owner of the phone informs the fraudsters the card number and its pin code, the password from the “Personal Account” of the bank’s Internet version, personal data and other information that should be kept secret. In such a situation, money from the bank account of the deceived subscriber really disappears without a trace.

Code in the message

A relatively new telephone fraud is associated with online stores selling virtual content, where you can pay for goods by entering the code sent to the buyer's mobile phone.

Fraudsters create a site with paid access to various tunes, pictures and other services. After that, the telephone numbers of random subscribers are entered as a payer. SMS containing an access code is sent to these numbers, fraudsters can only call recipients. Usually, victims of fraudsters are told that a code was mistakenly sent to their number, and they ask this code to simply dictate. Having learned the access code, scammers “pay” for content on their website by transferring money from a trusting subscriber’s mobile phone account.

The peculiarity of this method of deception is that even if you can find telephone criminals, it is almost impossible to prove the fact of fraud. The only way to protect yourself from such an innovative deception is to get into a similar situation, in no case not tell the callers any numbers and codes received in the message.

The requirement to repay the loan

The victim in the form of SMS receives a request to urgently pay off overdue debts, sometimes details are indicated right away. A victim who does have a loan can transfer funds in a hurry. If there is no credit, the person calls and finds out the reason for receiving the message, and during the call all funds are debited from the phone account.

How to understand that a fraudster is calling

The methods of "taking money from the population" listed above are among the most common. But this list of scams is far from exhaustive. Every day, new types of telephone fraud are emerging. And yet, all of them have common signs that should at least alert and force a closer look at the received call or message:

  • Unknown, hidden or unfamiliar number from which a call is made or a message is sent.
  • A special manner of communication. The main weapon of telephone scammers is surprise. “Urgent”, “fast”, “immediately”, “then I will explain”, “need faster” - frequent words and phrases from the vocabulary of such criminals. People who commit telephone fraud behave very confidently, they can press, insist or, on the contrary, try to win over the subscriber by any means. The main task in this case is to catch by surprise, not to give thought to, not to allow the future victim of telephone fraud to doubt.
  • There are no clear, direct answers to the questions. Literally two or three clarifying or personal questions can put a telephone swindler into a dead end, make you nervous.
  • A request or even a requirement to provide any secret information or personal data: the number and PIN of a bank card, personal information, passwords on the site, etc.
  • "Free cheese." It is, of course, pleasant to receive news of victory in the competition. Especially if you don’t participate in any competitions. Prizes, advantageous offers, gifts for which you need to "pay extra", "make a deposit" or even somehow transfer a sum of money - one of the signs of telephone fraud.

How to respond to fraud attempts

  1. When receiving disturbing calls or messages, the main thing is to try to calm down and not make decisions right away. It’s better to tell the caller right away that you need time to think things through.
  2. Golden rule: never, under any circumstances, not disclose to anyone your personal data or confidential information: bank card PIN, account number, username and password from pages on social networks, on Internet sites and more.
  3. Ask questions. If the caller introduces himself as a police officer, a bank, a doctor of a polyclinic, an insurance agent, the first thing to do is try to find out as much information as possible about the interlocutor.Simple questions, for example, the name and position of the caller, from which police department, bank or insurance agency they call, the contact information of the head of the organization, how to find the official website, etc. of the real employee will not be confused, and fraudsters will be made nervous.
  4. Before responding to messages or calls from "relatives" or "friends", you need to try to reach the person on whose behalf the message came, or someone from his relatives with whom he may currently be.
  5. Do not be too lazy to search on the Internet for information about contests and sweepstakes that are encouraged to participate via SMS mailing. Often deceived participants in such proposals leave warning reviews on the forums.
  6. Do not rush to transfer or give money. The requirement to deposit a sum of money, for example, as a security deposit during a prize draw or to replenish a bank’s “control” account, should immediately alert.

Request to return an erroneous translation

SMS fraudsters inform the subscriber that the funds were mistakenly transferred to his phone or card account. They are usually asked to return by replenishing the phone bill. Usually they indicate small amounts, hoping that the subscriber will not check his account, but simply transfer funds.

The list of examples of SMS fraud is not exhaustive. Most of them are designed for the victim to call back under the influence of emotions.

Is it possible to punish criminals

From the foregoing, we can make a reasonable conclusion: to protect yourself from telephone fraud is quite realistic, being vigilant and adequately evaluating information received from a suspicious number. But if a person nevertheless became a victim of swindlers, does it make sense to seek help from law enforcement agencies, and is there an article of the Criminal Code of the Russian Federation for telephone fraud?

According to the legislation of our country, a telephone scam is considered a crime and falls within the scope of Article 159 of the Criminal Code of the Russian Federation, that is, “Fraud”. For a citizen who has committed telephone fraud alone, the articles of the Criminal Code of the Russian Federation stipulate fines, correctional labor, or, depending on the scale of the crime and the damage caused, the actual term of imprisonment is up to two years. For a group of fraudsters, respectively, the amount of fines and the terms of punishment are significantly higher.

How to avoid becoming a victim of fraud through a mobile phone

Upon receipt of a message of this nature, in order to avoid loss of funds, it is necessary:

  • Assess the reality of information. For example, to think about where a relative supposedly in trouble might have been, if ever opened a bank account with a card that seemed to be blocked, etc.
  • Pay attention to the sender's number. Fraudsters often use numbers similar to the number of a possible real sender. For example, a single number may be changed in a bank short number.
  • If the recipient decided to call back, then the minimum amount should be available on the account for debiting.

Who will help the victim?

It's hard to argue that the best way to protect yourself is to ignore suspicious calls or messages. But if telephone fraud is not stopped, then sooner or later scammers will be able to deceive the more gullible. Therefore, when you try to commit such a crime, you do not need to remain indifferent.

The first thing you should know to stop telephone fraud is where to go to prevent criminal activity. The most logical thing is to immediately make a call to the police and talk about a suspicious message (call). It will also not be amiss to report a telephone fraud to the subscription service or technical support service of the cellular company from whose number a message (call) from the scammers was received. If the operator values ​​his own reputation, most likely, a decision will be made to block the suspicious number.

But what if the criminals still managed to commit telephone fraud? Where to go for help?

In a situation when a subscriber has transferred a sum of money to fraudsters within the same mobile network, there is a chance when you quickly contact the operator to return your money. To do this, you will need to submit an application for the return of this amount to the subscription department. Unfortunately, if the fraudster’s number belonged to another operator, it is impossible to return the money by transfer.

You should also immediately contact the nearest police station with a statement of a fraud. In it, it will be necessary to describe in detail all the circumstances: when and from what phone number the message came (a call was made), who called, what name, surname, position the fraudster presented, the essence and details of the conversation or message, the information that needed to be reported.

After the application is accepted and registered, a decision is made within 10-30 days to institute criminal proceedings. But there is a high probability that this will be denied for any reason. At the same time, making an application still makes sense. In case of repeated similar cases of fraud or if the swindlers are detained, the fact of filing this application may be taken into account by the investigator and (or) the court.

Money on a card account is the object of close attention of attackers who are well versed in psychology and use the trust of citizens. Cases by phone are a fairly common occurrence, which most plastic holders must have come across.

Someone can immediately stop attempts to steal personal funds from a bank account. And someone loses their hard-earned money by receiving a message from scammers or talking to them on the phone.

How to recognize the hunters for other people's finances and not get into the network of scammers?

Call from the bank

To communicate with a client on any issue, the bank uses several options:

  • sends a message to the email address
  • calls on a home, work or mobile phone,
  • sends SMS
  • sends a letter by mail ("simple" or registered).

If the call really came from a credit institution, then the official number of the institution will be displayed - the phone number of the customer support service, banking security service, etc. All these numbers are indicated in the agreement for the issuance of a credit card and its maintenance, as well as on the plastic itself on the reverse side.

An attempt to contact the client from a cell phone with a regular or undefined number should raise suspicion. Most often, scammers call from a phone that is not displayed on the subscriber’s screen. Although you should not lose your vigilance even when the correct contact is highlighted, since the security of GSM-communication, unfortunately, is not without holes, and hackers easily replace numbers with the help of virus programs.

No need to answer a call from an undefined number. It’s better to wait a bit and check the list of missed inboxes - the number you called from may be displayed there.

If the call did not raise suspicion, and the person picked up the phone, then you need to ask the “bank employee” to introduce himself, tell which organization he is calling from and give a contact number. After that, you need to contact your bank by official number, ask if there is such an employee, and state the situation.

The bank has all the information regarding the card account of the holder. Therefore, to check the caller, you can also ask him several questions:

  • how much money is left over now
  • what are the last four digits of a credit card,
  • what are the details of the bank,
  • where can I turn to resolve the issue.

In a conversation with a fraudster, it will not be possible to obtain such information. You need to apologize, put down the phone and immediately call back to your bank.

Fraudsters call “from the bank” and say ...

Several scenarios are used by scammers to withdraw money from the card. The most common tricks are as follows:

  1. Scare . Hunters for other people's finances report that: the account has been blocked, a penalty has been charged for late credit, an attempt has been made to make a suspicious transaction from the card, etc. And, in order to cancel the dubious operation and protect the funds in the account, they offer to follow the instructions of the called “employee” and perform certain actions.
  2. In a hurry . After the client calls the details of his plastic card (number and three-digit code on the back), the telephone intruders will immediately inform them of the confirmation password they received to cancel the transaction. This data is enough to steal money from a card account. As already mentioned above, a real bank employee will not ask for card details, and even more so - codes from SMS.

In order not to become a victim of telephone card fraud, it is important to know and remember the following:

  • confirmation passwords that come in bank alerts are intended only for personal entry by the cardholder, they cannot be communicated to anyone, including employees of a financial institution,
  • if a fraudulent transaction is suspected, banks themselves block accounts and contact customers to confirm or cancel the transaction,
  • rush and pressure are a clear sign of deception, the bank does not need panic, and the thief - just in hand.

Messages from scammers: typos and malicious links

When you receive an SMS alert, you need to make sure that it is actually sent by the bank. To do this, carefully study the coordinates of the sender. Deceivers can replace only one character in the name or phone number of the organization: not 900, but 909, not SBERBANK, but SBERBANC , eg. From a smartphone, you can suspect a fraud if SMS does not come in the chain of previous banking messages, but separately.

To fix the problem with the card, attackers suggest clicking on the link specified in sms-ke. According to it, a gullible user gets into a malicious program that replaces phone numbers and sends messages without the knowledge of the client.

When visiting a virus link, you urgently need to remove the SIM card from the smartphone and insert it into a regular phone for a while. Then, after taking a screenshot of a suspicious message and discarding everything you need, return to the factory settings of the device. It is also necessary to install a licensed antivirus program.

Separately, it is worth mentioning about messages with offers about win-win lotteries, unexpected winnings, free training, etc. Here the scheme of fraud with bank cards is as follows:

  • lovers of gifts tell thieves a bank card details for transferring the prize amount,
  • or list prepayment for study.

Well, what the attackers do is understandable.

A series of messages and a call

Another scenario of deception is a few SMS and a call. Two messages come:

  • with the text on the transfer of several thousand rubles and the number by which you want to send sms if the client did not perform this operation,
  • the second is about blocking an account due to a suspicious transaction.

A call immediately sounds, as if from a bank, and the telephone performance begins according to a well-known pattern. It is clear that you should not be fooled by convictions and provide information about card data and SMS passwords. Necessary:

  • take screenshots of SMS alerts,
  • report the incident to the bank,
  • check your account from a stationary computer.

Fraudsters deducted money from the card. What to do?

Unfortunately, not all clients show the necessary caution and vigilance. Attempts by deceivers are successful. In case of loss of money from the card account due to own indiscretion, only:

  • call the bank and block the credit card,
  • take screenshots of messages and copy the numbers that scammers called from,
  • come to the bank and write a statement,
  • do the same to the police.

Sometimes they can really call from a bank whose client the person is not even with claims about loan debt.This is quite possible if the number was intentionally or mistakenly indicated in the profile of a borrower as an additional contact or as the number of the guarantor of the loan. In such a situation, you have to personally visit the office of a credit organization to resolve a misunderstanding.

In any case, it’s worth contacting the bank’s specialists and clarifying whether there are problems with the account. This will not only save your money, but also help the security service of the credit institution to resist SMS fraud with bank cards.

“Mom, I'm in trouble”

The main rule is never to worry or fuss. Such messages usually come in the evening or late at night. SMS scam is the most common, but not the most effective. The patient may not see the message at the right time. Or he may not be a mother, or his child at home, sweet sniffles in a crib after an evening fairy tale. They send such messages in tons, in the hope that something will work. Calling back to such a number is useless; he is always “not a subscriber”. By the way, they can write, addressing not to mother, the appeal “son” or “brother” is less common. It's just that mothers are the most compassionate, it's easier to breed them.

To the police

You must write a fraud statement.
There is no strict application form to the police, but it must necessarily contain the following information:

  1. the name of the police station and the name of the head,
  2. Name of the victim, his passport details, address of residence and contact phone number,
  3. date and time of receipt of SMS from scammers,
  4. the number from which the message came
  5. full text of the message,
  6. a description of the subscriber’s actions (called back, transferred funds, etc.),
  7. amount of damage received.

A sample fraud report can be downloaded from this article.

The police must be answered within ten days. The result will be a criminal case or a refusal to initiate it. In the second case, the victim must be given a written response indicating the reason.

The specialist will advise you in the comments on the article.

“Call me back immediately!”

There is already a thinner divorce. When a person is asked to transfer money, he can exert himself, and if asked to call back, then this is as if normal. You never know what, and from whose phone he writes a child in trouble. Alas, the call will be paid, and several hundred will be charged to your account for a conversation with a stranger who will in every way drag out the conversation. If you are worried about your child, then call his number, and not the one in SMS. If you can’t get through, then ask via SMS who writes.

Someone else's money

If for no reason, money was credited to your account, then SMS of similar content will probably come soon: “Sorry, I mistook you 300 rubles. Please return to this number. " Again, do not rush. In general, never rush if you are asked to pay strangers. It happens that people are mistaken for one digit and put money on another number. It happens to everyone. But if you are asked to transfer to the number with which your phone is only related by the figure eight in front, this is already a divorce. The meaning of the fraud is as follows: you, as an honest person, put three hundred on the specified number, and the next day the operator writes off the money that the attackers threw from your number. They simply apply with a check to the communication salon, from where they replenished your account, and ask for a refund, because they made a mistake with the number. They are in the black, you are in the black.

You've got a wrong number

This method is completely foolish, but as practice shows, it works. They just write that they put money on your phone and ask you to return it. Even if you are very honest, wait three days, if a person really made a mistake somewhere, he will not leave you alone, he will even call.

SMS from the bank

Remember the main rule? Composure is first and foremost. Now on. Remember if you have a Sberbank card. Although there may be another bank in the message, scammers send messages to thousands of random numbers, so they often choose the largest one.If you call back on such a number, the fraudster, appearing to be a support or security service, will carry out an “unlock”. To do this, you will need to name the card number and pin code or CVV code indicated on the back of the card. Remember it yourself and tell your mom that bank employees never ask for this information. Never!

Charged money from the card

This scheme is similar to the previous one, but contains more motivating motivation. About to write off the money! Run, save! Do not scam, no one takes anything. Look at the history of your SMS and remind yourself how messages from the bank look. Banks NEVER write like that! The scheme for weaning money is the same: they are asked to provide confidential information to access the card or to make some manipulations at an ATM. In both cases, you will be at a loss.

Loan debt

Scary, isn't it? It is terrible to those who have never received messages from banks. Banks never send messages from obscure numbers. Usually in the “sender” field is the name of the bank in words. Well, if you did not take a loan at the specified bank, then relax. Moreover, if signed on behalf of the Central Bank of the Russian Federation. You can’t even take a loan in it if you wish.

Competition Winnings

This is a common fraud. Instead of “Europe Plus” there may be another radio station or even a car dealership that plays cars in honor of its own anniversary. If you call this number, there will be two options. They will ask you for a long time, write down the data, ask you to wait on the line or somehow drag out the conversation, constantly congratulating you on the win. As a result, you will receive a decent bill for a call to a paid number. The second option - you will be asked to pay the tax on winnings through the terminal or in the hands of the courier. Winnings are truly tax deductible. But, firstly, in order to win, you must first participate in the drawing, and secondly, paying tax through a terminal or courier, without visiting the office, is very childish. But the thirst for freebies is great, people are being led to such a thing.

Unknown links

Here they want to grab you on curiosity or on fear. It seems like you were talking with someone and here you can download a photo report from this event. A non-family person is pushed only by curiosity, and a family one is driven by wild fear, because the sikir-head will be there, if this really happened. The meaning of fraud is that by clicking on the link you catch a hellish virus that either pumps money out of the account slowly or blocks the entire system, offering to transfer a certain amount to the specified phone number. Recipe for success: never be fooled by such things. Even if you were hanging out with some kind of beauty, then in a similar way she definitely will not contact you.

Freestuff OK

In Odnoklassniki there are a lot of elderly people, which means that people are trusting in all kinds of divorces. So, for example, a message comes to your mother with a proposal to get the desired OKs. If you don’t know, OK is a kind of currency inside Odnoklassniki. She can pay virtual gifts to friends or put a five with a plus for a photograph of a school friend. In general, this is a very important thing, for which you can take a chance. The risk in this matter will not be a noble cause, but careless. Because for this message to your number, you are likely to be charged a couple of hundred rubles or even subscribed to some service like weather or jokes via SMS, which will regularly charge money from your mobile account. To find out how much a message costs to any short number, use the service http://smsnumbers.ru/. Just enter the number in the search field and get all the information by number. Who is registered and how much is the message.

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Fraud is common not only in real life, but also on the Internet. Very often, unsuspecting users try to lure money using their email address.How is this done, and what needs to be done to protect yourself? We will tell below.

Spamming

Spam can be sent not only for the purpose of intrusive advertising of a product or service. Often, such letters contain links to sites containing viruses. Also, spam emails may have attachments that the user is prompted to download to their computer. It can be either a text file or a photo. Naturally, when downloading such a suspicious file, the computer becomes infected with a virus. Often these are ransomware viruses that block a computer. An image appears on the screen with a request to transfer a certain amount of money to unlock. In such cases, you cannot do without reinstalling the computer system, which means that the help of the programmer will be needed.

Please send username and password

Any letters containing requests or requests to send your username and password to your mail account should be suspicious. Here, attackers act in many ways. As a rule, they come down to:

  • intimidation of a person (for example, that your email will be blocked during the day if you do not send a username and password to the specified address),
  • a promise of easy money or prizes (for example, a message about a victory in a competition, and in order to get a prize, you need to go to the site and enter your username and password in the appropriate fields).

Phishing

Since requests to send your username and password to an incomprehensible email address look suspicious and not very believable for many users, scammers invented another way - phishing. The meaning is the same - you, as a bank client, are required to provide a username and password. But for this, scammers create fake pages, which in their design are very similar to the original ones. By going to the address, the user is sure that he is visiting this site.

An example of phishing is the following situation. The user of the mail service receives a message in the mail that in connection with the spamming, his account must be verified. To do this, it is proposed to follow the link, when you click on it, the main page of the postal service website opens, where he is prompted to enter the login and password. If you really follow such a recommendation, then access to the mailbox will be lost, because fraudsters will change the password.

If electronic wallets were tied to the mailbox, then attackers can try to gain access to them in order to seize money. Similarly, they can use the binding to the email address of gaming and any other accounts.

Only minor design differences can give out a phishing page (for example, outdated logos, the size of which has been slightly changed, color differences, etc.). But a rare user will see such nuances. In addition, you can recognize phishing by carefully looking at what is written in the address bar of the browser. As a rule, there will be differences in the addresses of the original page and the phisher page (individual letters may not coincide, there may be some extra punctuation marks, etc.). But such nuances are even more difficult to discern than differences in page design.

"Letters of happiness"

The old e-mail fraud method, such as sending “letters of happiness,” is still used. The text, as a rule, begins with the fact that the user is in a hurry to inform about a win, prize or gift, which is offered to be received urgently. There may be several options:

  • follow the link and enter your username and password from the mail to confirm your identity,
  • send SMS with specific text to the specified short number,
  • call the number sent to find out the details.

Of course, it’s not worth responding to any of the proposals listed above. In the case of a login and password message, everything is clear: attackers just want to access your email.If you are invited to send an SMS or call, then at best you will be taken to the scam base, and in the future you will be bothered with various offers (free medical examinations, brokerage rates, etc.). In the worst case, after such a call or sending SMS, money will disappear from your phone account, as it will be paid.

Fifth view: Transferring money from your card

SMS type: "Application for transfer from your card is accepted" and other transfer options. There are suggestions for canceling the transfer, call the number or follow the link. The same basic advice - do not twitch. No bank ever sends such messages. Here I will write SMS like: "Your loan debt is .." Everything is the same here, do not click on the indicated links and do not call the indicated numbers. Better remember if you have any loans at all, look at the number from which the message came. If you are still in doubt, then go to the official website of the bank and find the support service numbers there to find out if there is any credit for you.

Sixth form: Contests winnings

SMS type: "Congratulations, you won .." and various win options. There are two ways to trick you into this type of fraud. And they can combine. In the first version, you call the specified number, where you are congratulated for a long time, contact information is asked, and then you will receive an invoice for negotiations. In the second option, you will be asked to pay the tax deduction for the prize you won. The third option is a combination of the first two. Only one piece of advice can be given here - remember where you really participated. The option is that you were chosen just like that and are ready to give you something for free .. well, you understand, right?

"Letters from Nigeria"

In the letter you are informed that your distant relative made a deposit in the bank, after which he died suddenly. His lawyer writes (brother, uncle, etc.), who asks you to transfer a small amount of money so that the deposit becomes available. In return, a promise is made that you will receive a decent percentage of the deposit amount.

It would seem that in this case everything is obvious, but there are gullible people who transfer money. With such a development of events, the fraudster asks for more and more amounts, coming up with different circumstances that interfere with taking the money. Deception continues as long as the victim believes.

The main thing that should confuse you in such messages is a request to transfer money. If you see it, then the message can be immediately sent to spam.

Eighth view: Freestuff OKs

SMS type: "Get 300 OK for free, send xxx to ooooo number"etc. Divorce is aimed at older people sitting on Odnoklassniki social network. Okie is the local currency in this social network for which you can buy various whistles and game benefits. Full analogue of votes in VK. Naturally for transferring to a short number, no You won’t get any free OKs, but you’ll get a lot of money from you.

Requests for help

Typically, this type of fraud is common on social networks, however, sometimes messages are sent to mailboxes asking for help to pay for the treatment or operation for the child. At the end of the message, as a rule, there is a link with a link to a site where you can transfer money for treatment. An account may also be indicated in the text itself.

Note!

No email service will require its users to send a username and password.

If you doubt whether the letter is fraudulent, contact support with a question whether you really received a letter from them.

Phishing

Since requests to send your username and password to an incomprehensible email address look suspicious and not very believable for many users, scammers invented another way - phishing.The meaning is the same - you, as a bank client, are required to provide a username and password. But for this, scammers create fake pages, which in their design are very similar to the original ones. By going to the address, the user is sure that he is visiting this site.

An example of phishing is the following situation. The user of the mail service receives a message in the mail that in connection with the spamming, his account must be verified. To do this, it is proposed to follow the link, when you click on it, the main page of the postal service website opens, where he is prompted to enter the login and password. If you really follow such a recommendation, then access to the mailbox will be lost, because fraudsters will change the password.

If electronic wallets were tied to the mailbox, then attackers can try to gain access to them in order to seize money. Similarly, they can use the binding to the email address of gaming and any other accounts.

Only minor design differences can give out a phishing page (for example, outdated logos, the size of which has been slightly changed, color differences, etc.). But a rare user will see such nuances. In addition, you can recognize phishing by carefully looking at what is written in the address bar of the browser. As a rule, there will be differences in the addresses of the original page and the phisher page (individual letters may not coincide, there may be some extra punctuation marks, etc.). But such nuances are even more difficult to discern than differences in page design.

"Letters of happiness"

The old e-mail fraud method, such as sending “letters of happiness,” is still used. The text, as a rule, begins with the fact that the user is in a hurry to inform about a win, prize or gift, which is offered to be received urgently. There may be several options:

  • follow the link and enter your username and password from the mail to confirm your identity,
  • send SMS with specific text to the specified short number,
  • call the number sent to find out the details.

Of course, it’s not worth responding to any of the proposals listed above. In the case of a login and password message, everything is clear: attackers just want to access your email. If you are invited to send an SMS or call, then at best you will be taken to the scam base, and in the future you will be bothered with various offers (free medical examinations, brokerage rates, etc.). In the worst case, after such a call or sending SMS, money will disappear from your phone account, as it will be paid.

"Letters from Nigeria"

In the letter you are informed that your distant relative made a deposit in the bank, after which he died suddenly. His lawyer writes (brother, uncle, etc.), who asks you to transfer a small amount of money so that the deposit becomes available. In return, a promise is made that you will receive a decent percentage of the deposit amount.

It would seem that in this case everything is obvious, but there are gullible people who transfer money. With such a development of events, the fraudster asks for more and more amounts, coming up with different circumstances that interfere with taking the money. Deception continues as long as the victim believes.

The main thing that should confuse you in such messages is a request to transfer money. If you see it, then the message can be immediately sent to spam.

Requests for help

Typically, this type of fraud is common on social networks, however, sometimes messages are sent to mailboxes asking for help to pay for the treatment or operation for the child. At the end of the message, as a rule, there is a link with a link to a site where you can transfer money for treatment. An account may also be indicated in the text itself.

Note!

If you received a letter of assistance from a familiar email address, contact the person by phone and ask if he actually sent you an email.

Normal mail hacking

Do not rule out the most common hacking of email scammers. This is done by password selection with special services. If it was too simple, then pick it up is not difficult. After hacking, if the attackers fail to gain access to your other valuable data, they can use the mailbox to send spam or letters asking for help.

How to protect yourself?

It’s much easier not to become a victim of scammers than to then try to return the money or password from the mailbox. Following these simple rules will significantly reduce your risks:

  • Make strong passwords for your mailboxes. Passwords consisting of only letters or numbers are very easy to select, so it should contain both letters and numbers, and even better - punctuation marks. It is not recommended to use data containing information about the date of birth (yours or those close to you), surname and name, name of the dog and other information that is simply enough for an outsider to know,
  • every six months, be sure to change the password for the email inbox,
  • never download files that were sent from unfamiliar addresses,
  • even if the file was sent from a familiar address, but the letter seems suspicious to you, do not download it to your computer. Try to view it in preview mode (as a rule, this mode is now available in all mail services). If the file does not open, then it is likely that it is infected with a virus,
  • install an antivirus program that will also scan email messages,
  • Do not send your username and password to anyone, even if in return they promise you a win or, conversely, they threaten to block mail,
  • if you received a letter from the support service and you are asked to click on the link where you enter your username and password, then contact her, but only using the contact information listed on the main page of the site,
  • if you received a letter from a friend asking you to transfer money before doing this, check whether he really sent you such a message,
  • Do not react in any way to “letters of happiness”, “letters from Nigeria” and any similar messages containing information about a win or a request to transfer a certain amount of money. It’s better to send them to spam right away,
  • Do not send SMS and do not call unfamiliar numbers that are indicated in the "letters of happiness."

Where to go if you become a victim of scammers?

Many people do not report cases of fraud on the Internet, because they believe that such actions are not a crime. In fact, this is not so, and in accordance with Art. 159.6 of the Criminal Code, fraud in the field of computer information is a criminal offense. The following types of punishment are provided for the theft of another's property or acquisition of rights to it by deleting, entering, blocking or changing computer information:

  • a fine in the amount of income (including salary) of the convicted person for a period of up to 1 year or in the amount of 120 thousand rubles,
  • Mandatory work for up to 360 hours,
  • restriction of freedom for up to 2 years,
  • correctional labor for up to 1 year,
  • forced labor for a period of 2 years,
  • arrest for up to 4 months.

If the victim suffered significant damage as a result of fraud on the Internet (expenses from 10 thousand rubles), then a prison term of up to 5 years can wait for fraudsters.

When fraud was committed on a large or especially large scale, then attackers with a high percentage of probability will go to prison for up to 10 years.

If you want the crooks to be punished to the fullest extent of the law, you will need to report the crime to the police. This can be done both verbally and in writing at a personal appearance in the department.It’s good if you provide any evidence of what happened (for example, screenshots of correspondence or a fraudulent site). Keep in mind that cybercriminals can delete information very quickly, so if you think some action taken on the Internet is suspicious, it would be useful to fix it right away by taking a screenshot of your computer screen.

Significantly increase the chances of prosecuting attackers in a timely manner to seek help from a qualified lawyer. Our experts will help you properly file a report with the police and collect evidence revealing the perpetrators. If we are talking about a large amount, then saving on legal assistance is definitely not worth it. Call us or ask your question through online chat.

Verification of passport data

The user receives an SMS requesting confirmation of personal passport data. To do this, the fraudster asks to send a scan of documents to a specific address. The text states that if the scan does not arrive within the next two weeks, the subscriber number will be blocked. Fraudsters with the help of the scan can carry out a number of illegal operations that can significantly complicate the life of the owner of the scan, for example, get a loan.

Proposal to locate a specific person via SMS

This offer is tempting, but is purely gaming in nature. At registration, the user sees only the cost of one service. She is insignificant. Confirming the agreement to connect the service, you can read the agreement, which states in small print that the amount is initially indicated only for one service. After confirmation, the user is charged for a full package of services, which in practice may not be useful.

What to do

The main thing is not to succumb to the provocation of fraudsters.

Attention! It is not recommended to respond to SMS messages received from unfamiliar numbers, even if they say about winning and it all seems tempting.

You can’t follow the links contained in the SMS message, they can be infected with a virus that will steal data from your smartphone. It is also worth remembering that bank employees never ask for any personal data, including bank card data, via SMS and generally by phone.

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1. A call with a proposal to use bonuses

How it works? The call is usually addressed: they call you by name, talk about the accumulated bonuses. Fraudsters may appear to be the “Federal Bonus Center”, especially arrogant - the Beeline, Sberbank or another reputable company.

Fraudsters offer to spend bonuses by paying part of the cost of their goods, or pick up a gift. If a person refuses - they hang up. In case of refusal to receive the parcel, they begin to blackmail.

What to do? It makes sense to not buy anything from strangers over the phone, even if you are called by name, presented by a federal organization and offer huge discounts. Do not call personal data, address of residence.

2. SMS allegedly on behalf of the bank

How it works? Important messages sent allegedly from the bank. For example, about blocking a card with a phone number, where you need to call back to unlock the card. If you call the indicated number, most likely you will be asked to go to the ATM and take some action with the card. Doing this is not worth it, you just need to contact the department.

In such SMS usually another sender is indicated, the number or name of the bank may be slightly changed. If in doubt who the SMS is from, check the correspondence history: SMS from scammers will get into a new chat, where there is no message history from the bank.

What to do? If you are forced to contact the bank, you should call back only at the number indicated in the usual SMS from the bank, on the back of a bank card or website. The same goes for clicks on the link that was sent to you in the message.

3. Transfer to a card from an unknown person

How it works? A fraudster does transfer money to the card. Then a call arrives: the sender is mistaken, asks for a refund, but to another card.

In this case, do not rush to the rescue and transfer the money wherever they say. Probably someone is trying to cash out a large amount, dropping 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 in a crime for which criminal liability is provided.

What to do? If a person really made a mistake, he can contact the bank branch and cancel the transfer by submitting his documents. If you are persistently asked to transfer money to another account and in every possible way leave you to independently resolve the issue, this is an occasion to contact the bank’s security service.

Leaving money at home, rejoicing at the “gift”, is also impossible. Law enforcement agencies are struggling intensely with “cash-in outlets”, therefore not only the person who transferred the money will fall under the hot hand, but you will also be the last link in the chain (on what basis did you leave the money at home?).

4. Cheating with paid delivery

How it works? You have chosen the product: you liked the price, the seller’s location is suitable, you want to pick up this thing soon. You are asked to prepay for shipping. Perhaps they even offer to send a scan of the passport, but this is also not an option: Avito sometimes does not use their own document, but someone else’s received in a dialogue with the seller / buyer on another transaction. After receiving an advance payment for delivery, the seller disappears.

What to do? It is advisable to conclude all transactions with a personal contact. If you are a seller, you will be sure that you will receive money. If the buyer - make sure that the product matches the one stated in the photo. In general, you will sleep peacefully.

5. SMS with a payment code

How it works? After such an SMS, a call comes in: a person claims that he made a mistake in the number in the number, he urgently needs to confirm the transaction, buy a plane ticket and fly to his pregnant wife, etc.

What to do? A similar message indicates that someone is trying to use your data to pay. And you can’t call the code.

6. Cheating at the checkout in the supermarket

How it works? They offer to pay for you with a card, so that you then give money in cash. After all the settlements, it turns out that the card that was paid for you was recently stolen. And they may require money from you, since you allegedly became an accomplice in a crime.

What to do? Do not help strangers in line. Of course, there are different situations, sometimes a person really needs help. But it’s better to think 100 times. In any incomprehensible situation, when they try to blame you for what you did not do, call the police.

7. Letters or SMS with the link

How it works? In such SMS or mail letters, attackers want to force the recipient to follow the link. This may be an invitation to work, a notice of a debt or seizure of property. Or SMS about the receipt of money.

Dodgers are counting on the credulity of people and the habit of immediately responding - by calling or writing SMS. Find out all about the most common mobile phone scams.

Ninth look: Gifts, cards, charity

SMS type: “Received MMS is open,” “You received MMS, postcard,” “Donate to charity by sending a word to the short number / by clicking on the link” Friends, the essence is the same everywhere, you are offered from an unfamiliar number either follow an unknown link or send an SMS to a short number. As a result, you will most likely lose your money without receiving anything other than an upset in return. Do not follow links from unknown numbers and don’t get fooled by donation requests.

The case of relatives

Scammers offer a service to determine the location of a subscriber by mobile number. To use the “service”, a person is recommended to start by registering via SMS: you need to give answers to some questions, and a certain amount is charged for each message. As a result, a person receives a link with all the known information.

How to avoid becoming a victim of SMS scam fraud

At the end of the article, I will list the basic rules, compliance with which will help you avoid fraud and not become a victim of scammers:

  • Check and verify the accuracy of the information that you were informed in SMS
  • Take your time to perform actions that the unknown requires of you.
  • Do not send SMS to the short numbers indicated in the SMS message
  • Do not open files and links that came in SMS messages from unknown numbers
  • Always remember: a freebie does not exist, and a sucker is not a mammoth, does not die out. DO NOT BE FUCKERS!

How to protect yourself from SMS scammers?

But if you still decide to check the information, first of all make sure that the number you should call back is not short. It is also necessary to observe a simple rule - read the conditions under which the "service" is provided. Remember that any too simplified procedure for changing tariffs looks very suspicious. It is best to call back to the operator’s number, previously known and in no case call back, do not send SMS to unfamiliar and short numbers.

If the matter concerns your relative, friend, and he needs help, try to call a loved one back at the number you know or contact him in another way.

You also need to know that bank employees are strictly forbidden to ask customers about their bank card details. After receiving a message, check the information received by calling back to the call center of your bank. And most importantly, be attentive and careful, and you will never be a victim of mobile cheaters.

The most common SMS fraud today

Recently, such a way as a request to return money allegedly accidentally sent to your account has gained popularity. First, the subscriber receives an SMS that someone transferred a certain amount to his account. And soon an SMS arrives which says that this is a mistake and beg to return the money back. In this case, it is necessary to check the status of your account by checking with the operator or sending a request if there were any replenishment during the day.

According to the site, when the first phones were not yet able to receive and send SMS, there was no such fraud, but the gadgets were far from today. You can read more about them.
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This type of fraud has many variations, but the essence of the scheme is quite simple and effective.

1. The victim receives a message (letter) by phone or email stating that:

  • he is among the nominees for the prize in the lottery (competition, promotions, etc.) and to receive the prize it is necessary to pay for its transportation (or other overhead costs depending on the phantom of the scammers)
  • the customer’s card is blocked and it is necessary to call the bank through the telephone number indicated in the SMS
  • the card will be blocked if you do not call
  • the payment has passed on the card and you need to call by SMS
  • card hacking attempt
  • card hacked
  • PIN hacked
  • etc. etc. for one purpose - that the client panicked and called the phone number indicated in the SMS

2. The victim calls the telephone number indicated in the letter.
3. A fraudster disguising himself as a bank employee (even the sound may be like a bank) displays the client with additional information about his card: card number, CVV2 code, name of the bank that issued the card, Internet banking login, password for Internet banking, code 3D Secure, etc.
4. Alternatively, the fraudster may ask the client to go to the ATM and send a "test payment" at the details that he will indicate, inform the code received in the SMS message.
5.After passing the payment, the fraudster hangs up - the job is done.

In the described scheme, there may be various options. A fraudster may appear to be an employee of the Central Bank, processing center, security service, etc. All fraudsters are united by several points:

  • SMS usually comes from "curves" of numbers, often registered in different regions of the Russian Federation
  • SMS can come from 4-digit numbers (in this case, the number may turn out to be paid and the client, having rezoned to it, automatically subscribes to the "left" paid services)
  • SMS can come from mythical companies, such as VISACARD, VISAcard, VISA system, Service, Bask, Service, etc.
  • The client is asked to call a specific phone number, and not the one indicated on the back of the client’s card, or published on the bank’s website
  • From the text of the SMS it is usually not clear which particular bank card is blocked and from which bank the SMS came
  • The text of the SMS does not indicate the last 4 digits of the card number (the correct SMS may contain the text CARD * 1234, where 1234 is the last 4 digits of the card number)
  • If the victim begins to ask non-standard questions (trying to find out who is calling, from which bank, why the SMS text looks like a fraudulent one, why send money, if the bank itself can check everything, etc.), scammers hang up
  • Phones indicated in SMS are usually available only 2-3 days, after which they are thrown away or transferred to third parties

Fighting SMS fraud ("letters of happiness")

Upon receipt of such emails

In no case:

  • Do not call back either on the numbers indicated in the SMS or on the phone from which the SMS was sent
  • Do not send reply SMS messages
  • Do not inform scammers no (!) information about yourself or about the card
  • Do not send money to bank details unfamiliar to you (accounts, phone numbers, etc.)
  • Do not give fraudsters confirmation codes received in SMS messages from the bank

  • Save SMS
  • Call the phone number indicated on the back of your card (s) and report the message received. Alternatively, you can call the phone number listed on the official website of your bank (the address of which is also usually written on the back of the card)
  • Tell all your friends and acquaintances about the scam attempt so that they are also vigilant.

Examples of texts received from scammers in SMS messages (phone numbers are encrypted)

  • By the Bank of the Russian Federation Your Visa card is blocked, info 8 951 ХХХХХХХХ.
  • Your card is blocked due to hacking PIN code, help by phone 8-951- ХХХХХХХ
  • Your Visa card is blocked by the CBRF, support service at 8-961- ХХХХХХХ
  • Your VISA card is blocked. Urgent contact: 8987 XXXXXXXX
  • Your card will be blocked, withdraw all your money from your card T.XXX-XXXXXXXX
  • Your card is blocked. To unlock, call: XXXX-XXXXXXXX
  • / bank / application for transfer from the card was accepted in the amount of 9,000 rubles ХХХ-ХХХХХХХ
  • Attempted account hacking, contact security department 8-987- XXXXXXXX
  • Bank. The application for the transfer of 9000 rubles was successfully accepted, all information by phone. 8 951 XXXXXXXX
  • Operations on your card are temporarily suspended, all questions by phone 8-960- ХХХХХХХ, Central Bank of the Russian Federation
  • Your card is blocked. Telephone for communication 8800 ХХХХХХХ
  • Your bank. The card is locked. Info: 8-951- XXXXXXXX
  • Write-off 400r on account of overdue debt XXXX-XXXXXXXX
  • My name is Sidorevich Petr Sidorovich, I am a representative of VISA. We introduce technical innovations to systems. I ask you the next time you use your card at an ATM to call me back to this number XXXX-XXXXXXXX
  • etc. etc. in the same vein

Fraud is common not only in real life, but also on the Internet. Very often, unsuspecting users try to lure money using their email address. How is this done, and what needs to be done to protect yourself? We will tell below.

How to determine that they are trying to deceive you?

A fraudulent scheme will work if the victim’s phone is tied to a bank card. If you receive notifications about card transactions (messages about receipt and debiting of money), use a mobile bank - it means that your number is linked to a card, and you can manage your accounts via USSD requests

What can you do if you become a victim of fraud?

Igor Dorenkov, Head of Legal Department, RO OZPPP Roskontrol:

It is most likely to return the money if banks recognize this as a massive fraud and will classify such transfers as committed as a result of fraudulent actions. Otherwise, it will be very difficult for the victim to prove that he entered the request without realizing what it will lead to. The specificity of such fraud lies precisely in the fact that for a bank, transfers look completely “usual”.

The only thing you can do on your own in this situation is to try to intercept the transfer right away by contacting the bank operator. But in such fraudulent schemes, most often money is immediately withdrawn from the accounts, and it is extremely difficult to catch the right moment.

The universal advice, of course, is not to enter commands into the phone that you are not 100% sure of. And ask for advice from technically savvy relatives and acquaintances, if in doubt.

Telephone fraud is a method of extorting money using telephone communications, both mobile and landline. This may be a phone call or an SMS message of the nature that forces the victim to transfer funds. Such working methods attract fraudsters, since it is difficult to establish the identity of the culprit. In the article, we will consider what to do if an SMS from scammers has arrived.

“I'm in trouble, mom”

Basic rightssilt - never fuss and never worry. These messages usually arrive late at night or in the evening. SMS divorce is the most common method, but not the most effective. The client may not see the message at an unbearable moment. If it really were so important, then they probably would have called, not written SMS. Or he may not be a mother at all, or at the time of the arrival of SMS, his child sniffs at home in a crib after an evening tale. Such messages are sent in tons, hoping that at least some will work. It is useless to call back to such a number; it is usually “not a subscriber”. By the way, sometimes they write, not addressing their mother, less often there is an appeal “brother” or “son”. Moms are usually the most compassionate, it’s easier to breed.

“Call back immediately!”

Here the divorce is thinner. When they ask a person to transfer money, he can exert himself, and when asked to call back, this seems to be normal. Alas, there will be a paid call, and several hundred will be removed from your account for a conversation with an unknown person, while he will drag out the conversation in every way. When you are worried about your own child, call his number, not the one in SMS. If you can’t get through, ask by SMS who actually writes.

SMS from the bank

Remember the basic rule? First of all, composure. Let's go further. Remember if you have a Sberbank card. Although a third-party bank may be indicated in the message, scammers send thousands of messages to randomly selected numbers, so they often select the largest one. When you call back this number, the fraudster, introducing himself as a security or support service, will produce an “unlock”. To do this, it will be necessary to name the CVV code or pin code or card number, which is indicated on the back of the card. Remember yourself and tell your mom that bank employees never ask for this information. Never!

Charged money from the card

This scheme is similar to the past, but contains much more motivating motivation.Money will be written off any minute! To save, to run Do not scamper, nothing and no one takes off. Look at the history of your own SMS and remind how the message looks from the bank. Banks never write like that! The scheme for taking money is similar: they are forced to provide confidential data in order to access the card or perform certain manipulations near the ATM.

Unfamiliar links

Here they want to grab you on fear or on curiosity. It’s like you were talking with someone there and here it’s possible to download a photo report from this event. Only a curiosity pushes a single person, and fear pushes a single person, since there will be a pole-ax, if it really happened. The idea of ​​the scam is that by clicking on the link you will catch a hellish virus that either pumps money out of the account or completely blocks the system, offering to transfer a certain amount to the specified phone number. Recipe for success: never be fooled by this kind of thing. Even when you really hung out with some beauty, then in this way she definitely will not contact you.

The situation with relatives

The swindler says that he is a relative, colleague or other subscriber and informs excitedly that he is in trouble (he is in the police, had an accident, hit a man) and his phone is broken (the batteries are dead, lost, taken away by bandits) and it was necessary from someone else to call. You need to call to different places, so you need to replenish the balance. When the account is replenished, the person calls again and happily announces that everything has been settled. It is only necessary to transfer money to intermediaries in an agreed place.

There are a lot of SMS scams

Scammers offer a service to identify the location of the subscriber according to the mobile number. To use the “service”, a person is advised at the beginning to register using SMS: it is necessary to give answers to certain questions, and a certain amount is charged for each message. As a result, a person acquires a link with information that everyone knows.

Illustration of a famous type of SMS fraud

Your credit card is locked! The client receives an SMS that his card is blocked. The phone number where you want to call back is indicated here. Dodgers after the call inform that a failure has occurred on the server of the bank and that details of the bank card are necessary to fix the problems. After that, scammers use information for their own purposes.

Loan debt

First, an SMS arrives: “You have been denied a loan by Bank X”. A few days later, a new call arrives. The answering machine, speaking from Bank X, informs: “We remind you that you need to pay off the loan. To listen to the message again, press 1. To connect to the operator, press 2 ”. When communicating with the “pseudo-operator”, the victim is given information about his credit card numbers, accounts, personal data.

Offer to become rich

Fools send SMS about the following content: “Everyone should know this! An alternative option is to make a profit on a mobile phone, it is impossible to immediately withdraw money, but they will come to the account. SMS - for free! Tested by many ... "Then they tell in detail what needs to be done. The swindlers assure that in a few minutes the subscriber’s account will be increased by a certain amount of money, and SMS will be paid.

How to get protection from SMS scammers?

Unfortunately, there are no less scammers on mobile networks. When the subscribers no longer fall for the bait, for any one method of deception, the attackers come up with an operatively new one. In order not to be affected by such schemes, it is better not to pay attention to these messages. The most effective way to get protection from SMS scammers is to not answer anything. But when you still decided to check the information, make sure first of all that the number you want to call back is not short.You also need to follow a simple rule - read the conditions in accordance with which they give a "service". Remember that any too simple procedure for changing tariffs looks very suspicious. It is better to call back to the operator’s number, which is known in advance and do not call back in any case, do not send SMS to short and unfamiliar numbers. When it comes to a friend, relative and he needs help, try to call a loved one back by the number you know or contact him by another method.

Fraudsters press on weak spots

It is also necessary to know that bank employees are strictly forbidden to categorically ask customers regarding bank card details. When a message arrives, check the information that has arrived, call back to the bank's call center. But the main thing: be careful and attentive, then you will never be a victim of cheaters on mobile communications.

The most famous SMS fraud at the moment

What can be expected in the future from mobile rogues? Of course, methods of fishing out money will be more sophisticated. Probably, the dodgers will use their own skill opposite to NFC technology, which makes it possible to carry out mobile payments for traveling on the subway or for buying at the store by lifting the receiver to the payment terminal, which is specially installed.

Telephone scammers use high technology

Recently, such a method as requesting to return money as if sent by chance to your account is gaining popularity. First, the subscriber receives SMS that someone transferred a certain amount to his account. And soon an SMS arrives, which says that an error occurred and asked to return the money back. In these situations, it is necessary to check the status of the account without fail, by sending a request or by checking with the operator whether there were any replenishment during the day. According to uznayvse.ru, at the time when the first phones still could not send and receive SMS, there was no such fraud, but the gadgets were far from the current ones.

We briefly examined SMS fraud: I’m in trouble, mom, call me back immediately, someone else’s money, made a mistake with the number, SMS from the bank, deducted money, credit debt, winning the contest, unfamiliar links, free “Oki”, the most famous SMS -fraud of the world. Leave your comments or additions to the material

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Watch the video: If You Get One of These Messages, Delete It Immediately! (March 2020).