Agribank warns customers about online fraud.
Through information recommendations from banks, it can be seen that fraud scenarios are becoming more and more methodical and sophisticated. Many forms of fraud have been "exposed and named" by banks such as: sending fake website login links, sending and asking the recipient to scan QR codes via Zalo, Facebook, Viber or making video calls,...
Many sophisticated scams
Recently, Vietnam Prosperity Joint Stock Commercial Bank (VPBank) issued a warning about a new scam method in which criminals impersonate bank employees, call from landline numbers with a series of numbers similar to the bank's switchboard number, and invite customers to increase their credit card limit or withdraw cash from their credit cards or some other financial services. These people will then send and ask customers to scan a QR code.
When customers scan the QR code sent by the scammers, they will be redirected to a fake website link. On this website, the subjects will have instructions asking customers to enter information such as full name, citizen ID, take a photo of both sides of citizen ID, card number, CVV secret code, card expiration date. Customers are also asked to share the OTP code sent to their phone number, user login information and bank account password...
Immediately after the customer provides information, the scammer will gain access to the internet banking account or credit card and make transactions to appropriate money.
Another sophisticated form of fraud that customers need to be highly vigilant about when transacting online is the form of sending a “successful transfer receipt”. According to Mr. Ta Dinh (Hanoi), after posting an iPhone for sale on his Facebook, a user contacted him via Zalo to buy the product. The buyer then asked Mr. Dinh to come to a location to pick up the phone. Here, the buyer made the transfer transaction and showed Mr. Dinh the successful transaction receipt.
Although he had not seen the money in his account, he subjectively thought that the transfer to another bank would cause the money to arrive slowly, so Mr. Dinh handed over the phone and returned. The next day, when he checked his account and did not see the money, Mr. Dinh was shocked to realize that he had been scammed and had to go to the police to report it.
According to research, the trick of forging bank transfer receipts is being used by many scammers. With just a few photoshop edits, the victim will immediately receive receipts, invoices or transaction documents with the information (full name, bank account, address, etc.) exactly as provided. The recipient will be mistaken that it is a real photo of the transfer or printed invoice, receipt, etc., so they trust and follow.
Notably, the Vietnam National Credit Information Center (CIC) said that recently, this agency recorded a number of cases of impersonating CIC to commit fraud, "requiring borrowers to transfer money to personal accounts so that CIC can increase their credit scores and support the loan disbursement process faster".
Accordingly, the scammer uses his knowledge of the financial sector in general and credit information activities in particular, using specialized terms such as "credit", "freeze", etc. to send to the borrower a "processing document" with full fake stamps and signatures to notify the borrower about the current status of "the borrower's credit file has errors, is locked, and does not have enough credit score to disburse the loan" and asks the borrower to transfer money to the scammer's personal account.
Prevent scams
According to many experts, scams have become much more sophisticated and methodical than before. The nature of online scams will continue to change with the rapid development of technology. Therefore, preventing cyber scams is a long and continuous battle.
Experts recommend that customers be extremely vigilant with requests to scan QR codes or access strange links; do not provide OTP/Smart OTP authentication codes to anyone, including bank employees; be careful when sharing personal information such as: Personal identification code, citizen identification, driver's license, passport, card,... with service providers. In particular, absolutely do not provide card number information, three security numbers on the back of the credit card or any other personal security information via Zalo or anonymous phone numbers.
In addition, according to research, although the sophistication of scams is increasing, the common point of these scams is that the subjects use "junk" bank accounts to receive money from victims. "No scammers use their own phone numbers or account numbers to commit crimes," said Lieutenant Colonel, Dr. Dao Trung Hieu, a high-tech crime research expert.
Therefore, in recent years, the banking industry has been implementing many solutions to "neutralize" "junk" accounts. In particular, the State Bank of Vietnam is actively coordinating with the Ministry of Public Security to deploy the connection of the national population database with the goal of soon completing the reconciliation to clean up more than 51 million accounts, first prioritizing cleaning up data for about 25 million customers with outstanding debts at CIC.
According to Tran Cong Quynh Lan, Deputy General Director of the Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank), by using national data resources, the banking industry can “clean up” “junk” accounts, thereby preventing criminals from hiding behind purchased accounts. In addition, the introduction of chip-embedded citizen identification cards will also limit the opening of online accounts using fake documents. Currently, the banking system can read information from chips very accurately, so there will be no more problems with inaccurate data.
Pham Anh Tuan, Director of the Payment Department (State Bank of Vietnam), said that it is necessary to be more drastic in dealing with SIM cards that are not in the owner's name to create conditions for the banking industry to thoroughly solve the problem of renting and selling accounts. Another problem is that a phone SIM card is being registered with many bank accounts, so it must also be clearly verified.
We need to be more drastic in dealing with SIM cards that are not in our name to create conditions for the banking industry to thoroughly solve the problem of renting and selling accounts. Another problem is that one SIM card is being registered with multiple bank accounts, so it must also be clearly verified.
Director of Payment Department (State Bank of Vietnam) Pham Anh Tuan
Finally, as in the case of CIC mentioned above, CIC leaders affirmed that this is a form of fraud, impersonating CIC to appropriate customers' money. The above action is illegal and seriously affects the legitimate rights and interests of customers; the image and reputation of the State Bank of Vietnam as well as the credit granting activities of credit institutions.
“CIC only provides credit information reports directly to each borrower according to the provisions of law, through the Borrower Connection Information Portal at: https://cic.gov.vn and “CIC Credit Connect” - an application on smartphones, free of charge once a year. Customers pay for the report exploitation from the second time at a fee of VND 22,000/report (including VAT).
CIC does not proactively notify and require customers to pay fees for credit facilities provided by credit institutions,” the CIC leader stated. At the same time, CIC recommends that customers do not send OTP codes to anyone; do not follow/transfer money to any individual/organization to have their debts cleared/hidden/credit scores increased; regularly self-check and exploit personal credit reports on the Borrower Connection Information Portal and the smartphone application “CIC Credit Connect” to ensure accurate credit information about themselves, proactively monitor their creditworthiness and credit status.
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