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“The most important rule to remember is that neither banks nor other legally operating institutions or organizations request the disclosure of sensitive personal data when placing a call. Scammers who are well versed in human psychology often intimidate residents, create stressful situations, rush and force them to make immediate decisions.
In such a case, there is no need to rush, the requests of callers should always be answered in the negative and end the call as soon as possible, and in case of doubt, call the bank for official contacts and ask if the situation is real. ”Says Daiva Uosytė, director of the Prevention Department of the Bank of SEB.
Here are some typical examples of phone scammers trying to deceive their victims. It is worth remembering that recently, phone scammers mainly target the population in Russian.
Report the alleged payment
– Good Morning. We call you from the SEB bank. We have noticed suspicious transactions, some suspicious transfers in your account. Can you approve these payments if you make them? – attract scammers and keep going. – Currently, there are many cases of fraud, so all the Lithuanian-speaking consultants are busy. I work with Russian-speaking clients and you indicated on your profile that you can also be contacted in Russian. Until the Lithuanian-speaking consultant is free, your funds may already go to scammers, so you should immediately confirm that you are actually making these payments.
Often times, if a resident tends to interrupt such a conversation, scammers draw their last trump card.
– Then confirm that you are making those suspicious payments. If they end, there will be no funds left in your account.
Expert Commentary
“Creating a stressful situation, threatening all the money in the account to disappear somewhere is a common scam tactic,” explains D. Uosytė. – It is important to understand that payment transactions cannot be made without customer confirmation. Even if you try to use your payment card details after shopping in unsafe online stores, these funds will be refundable according to Mastercard and Visa rules if you have not confirmed the payment yourself with Smart-ID codes or a mobile signature. . However, if a customer reveals their payment card details, online banking identification code and Smart-ID, password generator, mobile signature codes to scammers, the payment is considered duly authorized and can be very difficult. or impossible to recover funds.
Instant payments between banks are made instantly and the funds are immediately credited to the beneficiary’s account.
It is important to note that in banking systems, a card payment can be seen as reserved for some time after the customer has been confirmed and the bank may try to cancel the reservation at the customer’s request, but the deposit will already be gone. . scammers ”.
Extract important information
– Have you recently paid online? – such a question comes to a person of an unknown number only when entering a hotel room abroad. – We are interfering with you from the security department of the SEB bank.
While it may seem like a coincidence, a person who has just gone on vacation may have recently paid online, such as reserving a hotel room or paying for a car rental. If you answer yes in this case and confirm that you have recently paid and indicate who the payment was made to, this will be a great excuse for scammers to persuade the conversation to continue.
“Since you really paid, I’ll connect you with our security specialist soon,” says the scammer, switching the call to another.
– Money is currently being transferred from your bank account. If you don’t, we need your details to stop this operation, “continues another security professional.
Expert Commentary
“Of course, scammers cannot know what online payments a person has made or have information about where they are at that moment. On the other hand, we sometimes make that information about ourselves public, for example by tagging us on social media It happens that scammers find the necessary information during the call; as in this example, if a person confirms that they have made a certain payment or reveals that they are currently abroad, it is great information for them to criminals continue the persuasive conversation. Therefore, it is always important to be careful and cautious when publishing information about yourself that may be useful to scammers, not to present it during the conversation itself, “says D. Uosytė.
Intimidates and threatens fines
– Hello, we are calling you from the Personal Data Protection Organization. Have you ever transacted with cryptocurrencies? A cryptocurrency account is opened in your name and operations are carried out, but if you have not done so, it is important to stop operations. Are you currently on the computer? – ask scammers.
In this case, if you answer that you are not on the computer, assuming it may be a scam, it is likely that you will not get rid of it and you will be attacked by calls later. In addition to making phone calls, scammers often use the WhatsApp application, Viber, to introduce themselves to the International Anti-Money Laundering Service and often call at the end of work or at night.
“Fraud has become very active right now,” he continues, calling the scammers again. According to our data, a cryptocurrency account has been opened in your name, in which 100,000. transactions worth EUR. Scammers are most likely using your data and you should take steps to stop these operations as soon as possible. The scammers probably got your details from e-shops or hotels, car rental booking sites. If you do nothing, the information about these operations will go to the European Central Bank, which will inform the authorities responsible for the fight against money laundering in Lithuania. These authorities will inform the banks and in 50 minutes all your accounts at all banks will be blocked, you will face criminal money laundering: the scam continues and asks to install an application that will give you remote access to your computer, apparently to stop illegal operations. faster.
Expert Commentary
“In such cases, the scammers create a stressful situation, manipulate household names or institutional issues, and rush to take immediate action. Mentioning the time, the number – 50 minutes, 100,000.” Supposedly provides specific details and seeks to further intimidate “, says the Head of Prevention of SEB Bank.
According to her, similar tactics are often used not only by scammers reporting suspected illegal transactions, but also by investment fraud schemes.
“First, the potential victim is presented with the investment opportunities, the huge expected returns and benefits, and then the stress and pressure is created. It turns out that only a few people who have presented themselves as investment specialists are aware of the impending price spike; if you delay, you will lose your chance to win. Investment scammers request the disclosure of bank details over the Internet or payment cards, often by installing various programs on a computer or phone, and all the client has to do is confirm payments to investment funds using the codes. intelligent identification of the application. Says D .Uosytė.
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