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What if a phone scammer directs to an ATM? Key tips and examples of situations
When a phone scammer directs to an ATM: examples and tips.
One of the most widespread types of payment card fraud in Ukraine today is telephone fraud. Criminals come up with many tricks, but the goal is always the same - to transfer money from your account to yours. In addition to popular inquiries about card details, thieves also come up with various arguments and pretexts in order to direct you to the ATM.
For example, a fraudster convinces a potential victim that she will be able to receive a money transfer to her card through an ATM. Although, as you know, at an ATM you can only transfer money from your card to someone else's.
Valentina went to the ATM. She felt doubts at the moment when she entered the card number dictated by phone into the box for the recipient's card. However, the “customer” was in such a hurry for Valentina, and the queue had already formed at the ATM, so the woman was not comfortable specifying the nuances. As a result of a fraudulent operation, UAH 6,500 was debited from a Kharkiv woman's card.
Another common reason to send a victim to an ATM is to promise her “easy” money, unexpected income. This can be a salary or pension supplement, an “overpayment” on a loan (which the bank supposedly returns to the client's card), a cash prize or charitable assistance. At the same time, very often criminals rush the victim, leaving no chance for common sense.
Fraudsters often work in pairs. One calls and introduces himself as a buyer, the second as a bank employee. The "buyer" asks for the card number, and the "bank employee" directs the client to the ATM, ostensibly to confirm the transfer and receive the money.
Another common situation: a fraudster calls and introduces himself as a bank employee, after which he reports that your card has been blocked. To unblock it, according to the caller, you need to go to the ATM. But in reality, the goal is still the same - to get you to make a transfer from your card to the fraudster's card.
When a phone scammer directs to an ATM: examples and tips.
One of the most widespread types of payment card fraud in Ukraine today is telephone fraud. Criminals come up with many tricks, but the goal is always the same - to transfer money from your account to yours. In addition to popular inquiries about card details, thieves also come up with various arguments and pretexts in order to direct you to the ATM.
For example, a fraudster convinces a potential victim that she will be able to receive a money transfer to her card through an ATM. Although, as you know, at an ATM you can only transfer money from your card to someone else's.
True Story: The Hasty Buyer
A striking example of such a divorce scheme was provided by the EMA Association of Members of Payment Systems. A resident of Kharkov Valentina V., who put up her wedding dress for sale on the Internet, shared her story. An unknown woman called the woman and introduced herself as a potential customer. She asked in detail about the product, after which she offered to transfer the money to the card to the seller. As the “customer” assured, all you need to do is go to the ATM, confirm the transfer operation and receive cash within a few seconds.Valentina went to the ATM. She felt doubts at the moment when she entered the card number dictated by phone into the box for the recipient's card. However, the “customer” was in such a hurry for Valentina, and the queue had already formed at the ATM, so the woman was not comfortable specifying the nuances. As a result of a fraudulent operation, UAH 6,500 was debited from a Kharkiv woman's card.
Other reasons to send a victim to an ATM
Such an excuse, as described above (allegedly buying a product from an ad on the Internet), is often used by scammers. They are especially capable of dampening the victim's vigilance with promises of payment of the full cost of the goods.Another common reason to send a victim to an ATM is to promise her “easy” money, unexpected income. This can be a salary or pension supplement, an “overpayment” on a loan (which the bank supposedly returns to the client's card), a cash prize or charitable assistance. At the same time, very often criminals rush the victim, leaving no chance for common sense.
Fraudsters often work in pairs. One calls and introduces himself as a buyer, the second as a bank employee. The "buyer" asks for the card number, and the "bank employee" directs the client to the ATM, ostensibly to confirm the transfer and receive the money.
Another common situation: a fraudster calls and introduces himself as a bank employee, after which he reports that your card has been blocked. To unblock it, according to the caller, you need to go to the ATM. But in reality, the goal is still the same - to get you to make a transfer from your card to the fraudster's card.
How not to get hooked?
- The arguments and reasons to direct you to the ATM may be different, but the result is the same - the transfer of YOUR money to the fraudster's account;
- If you work with an ATM or bank terminal - NEVER follow the commands or instructions received from unauthorized persons that are given to you by phone;
- A criminal can impersonate anyone: a bank employee, a customer, an employee of a charity or Pension fund, a volunteer, a law enforcement officer, etc.
- Fraudsters use IP-telephony capabilities to call from numbers identical to bank ones.
- In order for your card to receive money (payment for goods, cash prize, compensation, etc.), it is enough to inform the sender of your card number (and he does not need to provide any more details!). Any attempts to direct you to an ATM indicate that a scammer is calling you!
