Phone scammers: how to recognize and disarm

While uncertainty surrounds us and the future seems uncertain, the fraudsters are firm: they want to continue to take money from the citizens who trust them, as they have always done. Only perhaps a little more than before. The old tricks they use are now familiar to almost everyone. They are now smarter and more calculating and, therefore, more dangerous. But their patterns are still similar to the ones they used before. If the fraudsters were not repeated, they would be very difficult to detect. 

Scammers can be identified by the following signs:

-The most common way to address you in a conversation is by your first name, without your father's name. No bank representative can stand such a joke.

- Scammers often ask you about the amount of your account balance. Bank employees will never ask this question, since they know down to the last penny how much money the customer has and in which account it is.

-Scammers may also try to find out what other banking products you use besides a traditional card. For example, if you have credit cards, debit cards, etc. Bank employees will not ask you about this. They are well aware of what you have and what you can offer.

- The criminals start the conversation by asking if someone is trying to debit the customer's account or asking if the customer has made any transactions on their account in the near future. But no matter what the customer has done to their account - no one from the bank will sit down to monitor the customer's account activity. There are many other tasks that need to be done. And how many customers the bank has and how many employees. It is of course impossible to keep track of all the transactions.

-Whatever happens to the customer's account, the bank will not call. Never! They may block the account, freeze the transfer, but they will never call. The customer, when they realize something is wrong, will try to contact a robotic responder and find out what happened, but the bank professional will not waste their time. The only exception is if you are a VIP customer.

- The bank representatives will not ask the customer to go to the online bank to confirm or complete the transaction. Instead, they call you at the office with your passport or do it all over the phone (activate, deactivate services, but not transfer money!).

- Scammers call more often than traditional numbers. They say there are cases where they change the numbers and call from the official bank numbers, but this is still very rare. Bank representatives always call only from the official numbers. 

They communicate very convincingly. If you are not mentally prepared to deal with them, it is better not to continue the conversation and end it immediately. 

Contrary to the widespread misconception that scammers give their victims' phone numbers to retail chains, this is not true. Scammers are too greedy to buy anything from anyone. It's much simpler than that.

Beating the scammers is not difficult:

- Under no circumstances should you give them your card numbers, account numbers, personal information or any information.

- Do not continue a conversation if you realize a scammer is calling you. 

- If you are in doubt and think it is really the bank representative, end the call and call the bank. Any caller will know what is going on with your account and will tell you who did or did not call you.

- It's best to call the bank at the phone number on the back of your card or on the official website. The more you complain about the scammers, the faster they will block the numbers they call from and eventually get caught.

- Keep the official bank number in your phone book. That way, when they call you, you'll always know it's a scammer.

The above rules have been repeated many times, but scammers are constantly finding new victims. Repeat them again and be vigilant!

Photo: pexels.com

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1.03.2022.

@Belozoriana