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Fraudsters regularly come up with new deception schemes and modernize old ones. “My Finance” has collected the most popular tricks of attackers so that you know which ones you might encounter in 2024.
They call the victim and claim that the current contract is expiring and needs to be renewed, otherwise the number will be transferred to another subscriber. There is no need to go anywhere, everything can be done over the phone, the attacker assures. It is enough to dictate the code from SMS. The next step is to follow the link where you need to enter another code.Thus, the person does not renew the contract, which is actually unlimited, but provides information to log into his personal account on the Gosuslugi portal and all information about himself that is stored on this resource.
There is another goal that scammers pursue by posing as a telecom operator. The victim also receives a call with an offer to change the tariff plan, connect options, or replace the SIM card. To implement any of the actions, the subscriber needs to dictate the code from the SMS that will be sent to his number. Using this code, the attacker gains access to the user’s personal account on the operator’s official website. And there he sets up forwarding of messages and calls from the victim’s number to his own.This is done in order to further confirm various types of transactions: withdrawal of funds from the subscriber’s bank cards, issuing a loan to him.
Life hack: remember that you can update your personal data by requesting the service in person - at the telecom operator’s office or in your personal account on its official portal (but not via a link from an SMS). Don't give out any information to strangers over the phone. If in doubt, call the telecom operator at the number posted on its official website.
To open such an account, scammers require you to install an application. Next, the program simulates the supposed growth of income from investments, including cryptocurrency.As soon as the “investor” has a desire to withdraw money from the account, problems begin.False brokers say this is difficult to do. You need to top up your account again with a certain amount, pay for “insurance” or daily placement of currency in a “European cell”, or find a guarantor and even register him with the Russian Ministry of Finance so that you can “cash out” the funds. As a result, the investor loses his money, and at the same time his hope for future millions.
A variant of this fraudulent scheme is participation in a unique online investment project of a well-known bank. They lure potential victims using emails. When creating a message, attackers copy the visual style of a financial organization and then use the same corporate colors, logo, and other elements to be convincing. To participate in a “profitable” campaign, you are invited to follow the link from the letter.Afterwards, the victim will be asked to complete a survey: indicate earnings, preferred method of storing funds and contact information to contact a representative of the organization, and will also be given access to a special application.And there you will need to enter your bank card details - the scammers will then write off money from it.
Not only future investors are under attack, but also those who have been in this field for a long time. Fraudsters, disguised as financial organizations, offer to “unblock” assets frozen by foreign accounting institutions. The Bank of Russia recently spoke about exactly this scenario. In order to return funds, attackers ask to transfer payment to the account of a company supposedly providing such services. The price of assistance is an amount equal to the value of the frozen assets. Further, the scammers promise that the investor will be able to receive this money into his bank account in double the amount.
Life hack: remember simple rules that will help you avoid falling for investment scammers:
Needless to say, instead of topping up the applicant’s bank card, debits occur in the future, and he is never hired.
While looking for a job, you can not only lose money, but also break the law by becoming a dropper. Recently, this particular fraudulent scenario has become popular, and students and pensioners are becoming its victims.Droppers or drops (from the English drop - throw, drip) are dummies who are involved in illegal schemes for withdrawing funds from bank cards. Often the victim does not realize that he is involved in a criminal scheme.After all, the advertisement for the job she is applying for does not look suspicious. And after the interview, the future employer provides a contract, stipulating working conditions, deadlines for completing the work and other nuances. Work options may vary. For example, a future dropper may be asked to withdraw money from supposedly frozen accounts of sanctioned banks to his own. The victim agrees, the previously stolen funds are transferred to her, and she withdraws them from an ATM. He keeps a small percentage for himself in the form of monthly income, and gives the rest - as agreed. And then he becomes a link in the criminal chain and will be prosecuted.
Life hack: carefully study the offer from the future employer and reviews about it. Don’t be fooled by promises of easy money with minimal investment of your own time. When communicating, keep a cool head, do not give in to emotions, and most importantly, keep an eye on the data to which you are asked to provide access.
There is another “harmless” scenario - a request to vote for children or nephews in a children's competition.Behind the voting link that scammers send from the owner’s hacked account is a hidden virus that will give them access to your gadget.
Life hack: do not click on unknown links, even if you received them from loved ones or acquaintances. Agree with your relatives on a password or secret question that should be given if the conversation seems suspicious. This step will help to discern the scammer’s intentions.
Life hack: pay for the service only through the official service application, and not through the gadget’s camera.
Life hack: use only official resources of financial organizations. If bank employees call you and the conversation with them seems suspicious, call back the official number posted on the financial institution’s website. There you can also find links to official banking applications and download them.
The most common trick is an offer to receive some kind of government payment. The scheme is classic: you give us card details, we give you money. There is another scenario. For example, a call from representatives of investigative authorities or Rosfinmonitoring with a threat to block an account in which dubious transactions were allegedly recorded.To avoid this, scammers demand payment of a fine. To be convincing, they can even send a receipt on the official letterhead of the department.
Life hack: remember that such departments are not authorized to seize funds, do not provide paid services for paperwork, and do not send out such letters or make phone calls or via instant messengers. If you receive such messages, ignore them and contact the government agency directly.
(c) https://xn--80apaohbc3aw9e.xn--p1ai...-novogo-pridumali-mastera-obmana-v-2024-godu/
Scheme 1. Cellular operators
Under the guise of specialists from well-known telecommunications companies, scammers try to gain access to a person’s account on State Services.They call the victim and claim that the current contract is expiring and needs to be renewed, otherwise the number will be transferred to another subscriber. There is no need to go anywhere, everything can be done over the phone, the attacker assures. It is enough to dictate the code from SMS. The next step is to follow the link where you need to enter another code.Thus, the person does not renew the contract, which is actually unlimited, but provides information to log into his personal account on the Gosuslugi portal and all information about himself that is stored on this resource.
There is another goal that scammers pursue by posing as a telecom operator. The victim also receives a call with an offer to change the tariff plan, connect options, or replace the SIM card. To implement any of the actions, the subscriber needs to dictate the code from the SMS that will be sent to his number. Using this code, the attacker gains access to the user’s personal account on the operator’s official website. And there he sets up forwarding of messages and calls from the victim’s number to his own.This is done in order to further confirm various types of transactions: withdrawal of funds from the subscriber’s bank cards, issuing a loan to him.
Life hack: remember that you can update your personal data by requesting the service in person - at the telecom operator’s office or in your personal account on its official portal (but not via a link from an SMS). Don't give out any information to strangers over the phone. If in doubt, call the telecom operator at the number posted on its official website.
Scheme 2. Offers from false brokers
The promise of easy money attracts many. Attackers contact potential investors through social networks or call them under the guise of employees of well-known investment companies. The offer is tempting - you just need to open a “brokerage” account and invest from 10,000 rubles. Income: no less than a million.To open such an account, scammers require you to install an application. Next, the program simulates the supposed growth of income from investments, including cryptocurrency.As soon as the “investor” has a desire to withdraw money from the account, problems begin.False brokers say this is difficult to do. You need to top up your account again with a certain amount, pay for “insurance” or daily placement of currency in a “European cell”, or find a guarantor and even register him with the Russian Ministry of Finance so that you can “cash out” the funds. As a result, the investor loses his money, and at the same time his hope for future millions.
A variant of this fraudulent scheme is participation in a unique online investment project of a well-known bank. They lure potential victims using emails. When creating a message, attackers copy the visual style of a financial organization and then use the same corporate colors, logo, and other elements to be convincing. To participate in a “profitable” campaign, you are invited to follow the link from the letter.Afterwards, the victim will be asked to complete a survey: indicate earnings, preferred method of storing funds and contact information to contact a representative of the organization, and will also be given access to a special application.And there you will need to enter your bank card details - the scammers will then write off money from it.
Not only future investors are under attack, but also those who have been in this field for a long time. Fraudsters, disguised as financial organizations, offer to “unblock” assets frozen by foreign accounting institutions. The Bank of Russia recently spoke about exactly this scenario. In order to return funds, attackers ask to transfer payment to the account of a company supposedly providing such services. The price of assistance is an amount equal to the value of the frozen assets. Further, the scammers promise that the investor will be able to receive this money into his bank account in double the amount.
Life hack: remember simple rules that will help you avoid falling for investment scammers:
- Check the investment company or broker's website. Pay attention to the details and availability of a license from the Bank of Russia.
- Refuse the services of the company or its representatives if they ask to transfer money for services to an individual’s card (or through an electronic wallet).
- Be sure to conclude an agreement and request a report on the provision of brokerage services.
- Do not be fooled by promises of guaranteed high income in a short time.
Scheme 3. Communication with the employer
An interview with a future employer is an exciting procedure. Sometimes scammers take advantage of job seekers’ confusion and steal personal data during an online meeting. Under the guise of a future employer, scammers conduct an interview where they ask the candidate to fill out a questionnaire directly during Zoom.One of its points is the card number and other data. The attackers promise to make payments using it. To make sure you don't miss anything, they enable screen recording. Some scammers ask you to provide information on several bank cards if the accounting department allegedly does not accept one.Needless to say, instead of topping up the applicant’s bank card, debits occur in the future, and he is never hired.
While looking for a job, you can not only lose money, but also break the law by becoming a dropper. Recently, this particular fraudulent scenario has become popular, and students and pensioners are becoming its victims.Droppers or drops (from the English drop - throw, drip) are dummies who are involved in illegal schemes for withdrawing funds from bank cards. Often the victim does not realize that he is involved in a criminal scheme.After all, the advertisement for the job she is applying for does not look suspicious. And after the interview, the future employer provides a contract, stipulating working conditions, deadlines for completing the work and other nuances. Work options may vary. For example, a future dropper may be asked to withdraw money from supposedly frozen accounts of sanctioned banks to his own. The victim agrees, the previously stolen funds are transferred to her, and she withdraws them from an ATM. He keeps a small percentage for himself in the form of monthly income, and gives the rest - as agreed. And then he becomes a link in the criminal chain and will be prosecuted.
Life hack: carefully study the offer from the future employer and reviews about it. Don’t be fooled by promises of easy money with minimal investment of your own time. When communicating, keep a cool head, do not give in to emotions, and most importantly, keep an eye on the data to which you are asked to provide access.
Scheme 4. Calls or messages from friends
Another tactic used by cybercriminals is sending messages asking people to lend money to family or friends. Sometimes scammers go further in their scenarios - they play on the victim’s feelings and report that her relative is in trouble. If earlier swindlers had to act out a theatrical performance by faking a voice, now artificial intelligence does it for them. Attackers hack into a user's account, download voice messages, and use them to generate a monologue for further deception.There is another “harmless” scenario - a request to vote for children or nephews in a children's competition.Behind the voting link that scammers send from the owner’s hacked account is a hidden virus that will give them access to your gadget.
Life hack: do not click on unknown links, even if you received them from loved ones or acquaintances. Agree with your relatives on a password or secret question that should be given if the conversation seems suspicious. This step will help to discern the scammer’s intentions.
Scheme 5. Payment for services using a fake QR code
Today, to receive any service or pay for a product, you just need to point your camera at a QR code. For example, you can use it to rent a scooter or a portable charger for a gadget. True, instead of a breeze and a charged phone battery, you can get an empty bank account.The fact is that such a QR code does not lead to the official website of the service, but to a fake resource through which scammers steal money and card details.Life hack: pay for the service only through the official service application, and not through the gadget’s camera.
Scheme 6. Calls and messages from the bank
Along with false threats about issuing a loan in the name of the owner of a bank card by another person or a suspicious transaction on it, new scenarios have also appeared. Fraudsters, under the guise of technical support specialists for financial organizations, offer to install a virus scanner application on a smartphone. Does it really exist? No. This is malicious software that gives access to the victim's phone and its data. Another popular scenario is helping to save money.Scammers disguised as employees of the Bank of Russia inform the victim that someone is trying to steal money from her account. To save them, you need to transfer funds to a “safe” account with the Central Bank of the Russian Federation.According to legend, this is a temporary measure - for the period of searching for criminals. And then the person will allegedly be reimbursed the entire amount in cash at the reception desk of the Bank of Russia in Moscow. To be convincing, the victim is sent an SMS confirming the entry from the regulator’s official number – 300. In September 2023, several dozen victims filed complaints about the loss of funds as a result of such a fraudulent scheme, the regulator notes.Life hack: use only official resources of financial organizations. If bank employees call you and the conversation with them seems suspicious, call back the official number posted on the financial institution’s website. There you can also find links to official banking applications and download them.
Scheme 7. Calls and messages from government departments
Often, scammers call or write to a person allegedly on behalf of employees of the FSB, Rosfinmonitoring, Federal Tax Service, Social Fund of Russia, and the Gosuslugi portal.The most common trick is an offer to receive some kind of government payment. The scheme is classic: you give us card details, we give you money. There is another scenario. For example, a call from representatives of investigative authorities or Rosfinmonitoring with a threat to block an account in which dubious transactions were allegedly recorded.To avoid this, scammers demand payment of a fine. To be convincing, they can even send a receipt on the official letterhead of the department.
Life hack: remember that such departments are not authorized to seize funds, do not provide paid services for paperwork, and do not send out such letters or make phone calls or via instant messengers. If you receive such messages, ignore them and contact the government agency directly.
(c) https://xn--80apaohbc3aw9e.xn--p1ai...-novogo-pridumali-mastera-obmana-v-2024-godu/
