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Bank fraud Awareness : Be careful about ATM card fraud , Debit card fraud , Credit card fraud

Awareness is necessity

" Be careful whenever you are sharing personal details on the Internet."

"Be careful whenever you are giving permission 'Allow' to applications during installation in your mobile."



As a Cyber volunteer, I have analyzed some case studies of these kinds of frauds.
Let me share one case study with you !!

One person was getting messages continuously in his mobile regarding OTP ( One Time Password). These OTPs automatically shared with someone else by any third-party application installed on his mobile. That someone else can be considered as cybercriminal in this case. And suddenly, money gets debited from his account, and after 7-8 transaction messages, his account statement was empty.

Here are some messages received by the victim.
  • The secret OTP for online purchase is 222343 on card ending XXXX. Valid till HH:MM:SS. Do not share OTP for security reason.
  • Rs. 9999 is Debited to A/c...XXXX on dd-mm-yy HH:MM:SS( Avlbl Bal Rs XXXXX) At POST TID-XXXXXXXXXX,ref-XXXXXXXXXXXX. TollFree XXXXXXXXXXX(24X7).
  • The secret OTP for online purchase is 110109 on card ending XXXX. Valid till HH:MM:SS. Do not share OTP for security reason.
  • Rs. 999 is Debited to A/c...XXXX on dd-mm-yy HH:MM:SS( Avlbl Bal Rs XXXXX) At POST TID-XXXXXXXXXX,ref-XXXXXXXXXXXX. TollFree XXXXXXXXXXX(24X7).

Now the question is, how this happens?


What kind of mistake is done by the victim?


There was one third party payment application in the victim's mobile, and during installation, he gave a text message read permission 'allow.'

We can get a refund within 24 hours in the past years, but cybercriminals became very active nowadays. They use smart ideas such as asking for the wallet to wallet transfer from the victim and then immediately transfer money in bank accounts. It is hard to reach them. Almost all cybercriminals use holidays to execute this kind of online fraud. Because during holidays, banks are closed, and sometimes we can not contact banks by helpline numbers. And your one mistake can spoil your holidays.


" There are several ways by which cybercriminals can reach you. In technical terms, its called 'Social Engineering.'
  1. By Text
  2. By Phone-Calls
  3. By E-mail

Whenever you receive such suspicious calls or messages or e-mails, don't trust these kinds of stuff.

What steps should be taken when bank fraud occur?

  1. Contact cyber cell nearest you or Local crime branch and register a complaint.
  2. The victim should go to the bank and fill up the dispute form within three days. It is very important.

Here I am sharing some useful and essential information.

  1. If any credit card related fraud occurs and you have insurance, there are 100% refund chances.
  2. If you have used net banking or any bank to bank transactions happen in which bank on both the side is same, then the transaction can be stopped by the authorities, and money can be refunded.
  3. In some cases, mistake is made by the bank. Sometime it happens that you are not sharing OTP; still, money is debited from your account; in this case, customers should go to the bank and fill up a dispute form within three days.
  4. When any debit card fraud occurs, there are minimal chances of refund money. So be careful before entering your debit card details on the internet.
  5. When a customer shares any OTP to any fraudster, it is not the bank's responsibility, so we can not blame bank.
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Comments

  1. Bharuch Cyber cell11 September 2020 at 18:01

    Good information

    ReplyDelete
  2. Aman Dobariya12 September 2020 at 09:00

    Very nicely explained and very useful for common people who don't know about such information

    ReplyDelete
  3. thejadeja12 September 2020 at 10:16

    Great information. Very useful in these times where cybercrime is the prime way for fraud activities.

    ReplyDelete

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