Retail Crowd

Complete British News World

Telephone scammers pretending to be bankers are hypnotizing the people they call

One of our readers wrote that someone called him on behalf of an OTP bank and wanted to start two transfers with him to a so-called security account, precisely in order to protect his money from fraudsters. He’s been vigilant, but a lot of people are falling for similar calls.

“It’s like defrauding children. There they will also ask you to give them your money, because then they can help you.”

said a banking expert who asked not to be named.

An important element of the scam is that the call appears to come from a bank phone number or something very similar to it. As a banking expert said, there are already freely available cloaking techniques that can be used to make someone else’s phone number visible to the calling party, but it is often enough if only a few numbers differ from the official operator’s phone number. We wouldn’t suspect because of the familiar number line.

They even listen to the keyboard tap in the background

One of our readers transferred 3 million HUF to scammers. The moment you started the transaction, you already knew you had been scammed, but you had no way to get your money back.

He doesn’t remember exactly if they knew his name or if he introduced himself first, but they told him they were calling from an OTP bank and that they discovered suspicious transfers in his bank account, and that two of his transfers are still in the system. They also said they have 15 minutes to secure your money. They mentioned a name and asked if he had such a family member and noted the amount of transactions.

“They always said specific things to make it sound more believable, not just saying there were three transactions. They used station technicians all the time so I wouldn’t be suspicious. They spoke without an accent and read texts from paper very selectively rather than mechanically. The employee introduced himself kindly, but rather He presented his identification card. “In the background, you can make noises and tap on keyboards, as if there are ten other clerks around him,” the victim said.

According to the expert we interviewed, fraudsters know almost nothing about the customer before contacting him, and it is impossible to use the information leaked from a bank. There was also an example where a bank security specialist was called, who listened to the program with pleasure, but they also tried to implicate a police officer.

“Usually they announce the name of the bank with the most customers, and when the contacted party says he works for another bank, they kindly offer to pass it on to the employee of the other bank, and they do it so skillfully, there is even music waiting.”

said the specialist, who had already listened to long conversations of several scammers on the phone. “It seems that they have found out how real bank customer services work, they use similar terms, in order to instill confidence, they say they are recording the call and they also say a made-up code, which of course does not make sense. It is almost completely original and has answers to many things, but if we are attentive A horse’s leg always sticks out, you can recognize it.”

READ  You can go to Britain as a tanker driver until next Friday. Below are the terms of submission

Our reader makes his purchases exclusively online, and when he was told that a stranger had made a transfer from his account, he realized his fear that someone had misused his card details. Since he was expecting an important call soon after, he wanted to quickly end the matter in a time crunch. At first, he didn’t suspect anything because they didn’t ask him for bank details, only to check his last bank card purchase. He said he used it in the DM, and the employee agreed, we’ll see.

“They made me feel like they were helping me in a difficult situation”

Scammers often open a question that the bank managing the account should know. For example, a common question is how much money is in a customer’s account. It’s an investigation, because if they said so little, they wouldn’t even care about it. If the quantity is large and can even be used freely, they will keep working on it and the story will accelerate. In order to gain trust, statements or questions that have a good chance of being correct with anyone are received. For example, the operator declares: “Did you start a transaction in the past five days? Did you withdraw funds in the last week?” As another expert said,

They are like horoscopes: the results are either true for everyone, or we ourselves begin to believe in them.

It is also common practice that they indicate abuse, a suspicious card purchase is detected on our account, or someone initiated two suspicious transactions from our account, that’s why we have to log in quickly, or they say we will transfer the entire amount to a secure account. “Sir, did you shop in Thailand? Was your card misused?” – these are also frequently asked questions. Fraudulent “phone agents” talk to customers about the risks of fraud, through which they simply distract customers.

“They had the conversation in a very professional way and, going back in time, they held me in charge the whole time, they didn’t leave a single moment off, they were almost hypnotised. They made me feel like they were helping me in a difficult situation and they were with me for those 15 minutes”

Said the victim who spoke to us.

READ  Index - abroad - the madness reached a level: Apple created a 25 euro survey

They suggested that he transfer the amount in his bank account to a so-called technical account, and since it would be a random account, others would definitely not be able to access it. He did so out of time pressure and anxiety. At the end of the conversation, he was already suspicious, so he called the call center of the bank on another phone, and then recorded the voice of the scammers.

Of course, our reader filed a complaint with the police, but he feels a loss in connection with the OTP Bank. He believes that for such a large and unusual transfer as his, the bank should have inquired about the transaction, and believes that if the financial institution had known about the mass fraud, it should have warned its customers about it by targeting them directly, such as in a netbank with a letter popup.

In response, OTP Bank’s corporate communications group stated that the bank considers increasing the knowledge of its customers an important task, and they are constantly communicating about violations. In recent months, they have published many articles and statements, and their messages and appeals are continuously posted on social media. In total, they reached millions of people with these messages. The info message has been on the internet bank login page for months, where attention is drawn to scammers. Regarding the series of frauds, OTP Bank has submitted several criminal reports in the past period, and 24-hour monitoring systems are also in operation in order to reduce fraud as much as possible. At the same time, it should also be added that the customers themselves initiate transactions under the influence of fraudsters, so in this case the bank’s room for maneuvering is limited.

The victim we spoke to had never heard of this type of fraud before, but since he was deceived, more and more attempts of this kind have appeared in his environment, which is why, he says, stronger communication on the part of the banks is needed.

Money is removed from the account using a fraudulent application

In addition to convincing the victim, another method scammers use is to take advantage of the natural panic reaction of a customer who is worried about their money to get them to download a foreign application on their phone or computer, which of course does not belong to them. To the bank, but useful for accessing any data on the phone or even for the real banking app. It offers the banking solution, protected by multiple security solutions, on the tray. In a short time, they empty our account, hack our savings, and transfer amounts that can be accessed for free elsewhere.

In cooperation with the customer, he can treat the account as if it were its owner.

Once they get into the netbank on the phone or computer, they try to keep the victim’s password so the scammers can move money here and there in the account, thus also realizing that the customer can’t contact their bank if it becomes suspicious.

READ  Car: Current US muscle car racing: Corvette V8 vs. Electric Mustang

Always be vigilant

According to banking professionals, if they actually gain access to our account, we’re lost. We must avoid getting into this situation. “We should definitely be suspicious if they ask for information that is not necessary for identification. His mother’s name or date of birth is still the same, but the bank account number, PIN code and internet banking access data are not necessary for identification at all. Let’s ask if they are asking for information They should see it in our account, like how much salary has been transferred to us, and how much we have saved.”

If in doubt, it is worth asking about the data indicated in the account history. Operators may feel awkward, and sometimes the phone shuts down. We also note that no apps should be downloaded for ads.

If fraudsters gain access to our money, it is almost impossible to get it back. According to experience, funds are first transferred only to an intermediary account, and then distributed to other accounts, which makes it difficult to follow the flow of funds. These types of tricks seem to be on the rise, but they haven’t been invented lately.

Banks find that many victims are simply so ashamed of being deceived that they do not report the incident, which is why it is difficult to estimate the number of cases.

Although each such case is checked separately, the banks cannot do much in such cases either, the customer himself was negligent, he handed over control of his account himself. The victim must also file a complaint because he is the aggrieved party. Banks are constantly trying to draw attention to risks and improve awareness of digital security through education.

Experts are not afraid that people will return from digital banking to in-person transactions in large quantities due to phone scammers, but it may take a few years for the “voluntary transfer of funds” to stop.