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Publicly offering the purchase of identity cards for fraud, including the elaboration of loan documents from banks, finance companies – screenshot
Some people suddenly received a court order due to a money debt simply for the loss of their identity (ID) card. People should be careful when storing and using their documents to avoid inconvenience, including criminal cases.
People were called by the court, the finance company suffered damages.
In March 2021, Mr. Nguyen Tien L. (Hanoi) looked up and discovered in the data of the Credit Information Center (CIC, an organization of the State Bank of Vietnam) that he had an overdue loan belonging to group 3 with the amount of up to 177 million VND in FE Credit Finance Company. Since he never made a loan with this company, he was contacted to verify it. Finance companies also immediately intervened.
After verifying and comparing Mr. L.’s personal data, FE Credit confirmed that Mr. L. did not borrow. The scammer has collected or somehow acquired Mr. L.’s old identification card that he had previously lost and replaced the image on the identification card to apply for a loan application through the $ nap application.
More sophisticatedly, the subject also uses Mr. L.’s identification card to open an account in his name at a bank and then use that account to receive the disbursement.
Immediately after confirming that it was a case of falsification of a loan with sophisticated tricks, the representative of FE Credit said that Mr. L. was not asked for money, but instead completed the request to adjust the credit balance information in CIC. Therefore, the finance company loses money and has to wait for the authorities to intervene before it can get it back.
This is not an isolated case. Around February 2021, Mr. LTLoi (Hanoi) also received a letter from the court asking him to repay the loan with FE Credit. He was shocked that he did not borrow and immediately contacted FE Credit, providing documents and papers proving that he was used by a scammer to use his lost ID card to create a fake loan application.
Anh Loi had to go through a restless time, but because she proved that the loan disbursement account is not her own, the finance company completed the procedure to adjust Mr. Loi’s credit balance information.
Beware even of credit officer
Recently, Orient Commercial Joint Stock Bank (OCB) said that it also received customer feedback on some objects that counterfeit loan contracts to commit fraud, charging fees for presenting documents / contracts.
Scammers have used tricks to forge the bank’s loan contracts with low interest rates and information about the bank’s leadership on behalf of the loan contract. Clients will need to pay in the form of COD (money delivery) via sender (delivery), post office at a cost of 1.5-2.5 million dong to receive the loan agreement.
Bac A Bank also warned: advertising appeared on the market on social networks / Zalo or posing as a bank employee, calling on customers to introduce different types of loans, with simple procedures, fast disbursement.
They send homemade cards to counterfeit credit officers / appraisers, then request to transfer ID, household registration information through Zalo / Facebook with an initial fee, then misappropriate, even many people require an installment payment in advance for the first pay period. After receiving the money, they block all communication with the victim.
Bac Ninh province police in late 2020 also broke the ID card forgery line and prosecuted 3 subjects, of whom Pham Ngoc Luong (23 years old, living in Tram Lo commune, Thuan district Thanh, Bac Ninh) attempted to forge identity cards. opening bank accounts in order to borrow money and appropriate property.
Upon finding someone who agreed to take a photo of a fake ID card, Luong and an accomplice took this person to banks to open accounts and carry out Credit FE loan procedures over the phone. Then, Amount to withdraw and divide. With this trick, the investigating agency initially determined that the group of subjects had cheated, appropriating around 1 billion VND of FE credit.
Early application of technology in the credit process such as facial recognition, electronic signature … FE Credit leaders said that technological innovation is a regular and continuous work.
However, he also emphasized that fraud is becoming more sophisticated and reckless, so that more than ever, this unit “seriously expressed the desire of state authorities to continue expediting and accelerating. To soon complete the widespread deployment of attaching chips. electronic citizenship cards, this will help limit and prevent fraud, using false identifications to commit violations. France “.
In today’s technology age, when digital credit is an inevitable development trend, this financial company advises people to always maintain the spirit of privacy of personal information, contribute to ensuring security for themselves and for all that surround them.
Beware of fan pages posing as banks
Another tactic that has been popular for a long time but has emerged recently is to fake the bank’s fan page, the social network … to cheat. For example, many fan pages, Facebook groups are fake VietinBank, like VietinBank group, VietinBank support fan page …
Those posing as VietinBank staff and employees post professional exchange topics, financial needs such as opening accounts, opening cards, borrowing money … to steal personal information (ID / CCCD, household log book), information from transactions (account statements, OTP, username, password of Internet Banking) to the corresponding property.
According to VietinBank, many customers after accessing the link or simply opening an email / text message … their device will be penetrated by malicious code and stolen information.
OCB also advises customers to be wary of phone calls, texts, and emails claiming to be bank employees. The bank confirmed that there is no need to deposit, transfer, pay or charge any fees during the loan review process.
To protect information and assets, VietinBank recommends that customers only access the bank’s official and unique fan page under the name VietinBank, with green markings.
Many scams to borrow money
According to some banks, there are 3 main forms of fraud related to personal documents that people should be careful of to avoid damage. The first is to buy and sell an ID card. Bad guys use ID cards to shop again at pawn shops, pick up or steal papers … then swap the pictures and use them to borrow money. At that point, the person who loses the ID card will have the loan balance, bad debt, and may be tired of not reporting when the ID card is lost.
Police work with the suspected group to make false IDs and home record books to open credit cards, borrow unsecured loans, and then appropriate – Photo: CACC
Second, the bad guy can hire a borrower to defraud. Currently in social networks and in real life, there are also hook lines that encourage other people to apply for loans (many times these people have low degrees, difficult family conditions, drug addicts, etc. they gamble …).
The objects in the row will give money (pay), they will instruct and guide the attracted to make loan documents to buy motorcycles, appliances … They will have records of real loans, real debts, but the money / goods, the objects in the line hold. These people will have a lot of trouble after the bad guys complete their money grabbing goal.
Third, there has been a case of blatant documents rather than total forgery, such as forgery of identification cards to open accounts and apply for loans in financial companies, banks. Recently, the Hanoi city police removed a line to make fake ID cards and household record books to open credit cards, borrow unsecured loans from banks, then withdraw and appropriate money.
