How scammers cheat

[Lord777]

Common fraud techniques

Phone scammers
Techniques:

• They introduce themselves as bank employees and frighten you with the loss of funds.
• They start talking about transferring money (paying fines, taxes, and services).
• They force you to take out a loan.
• Please provide your bank card details (its number, CVV / CVC code).
• They ask you to dictate a one-time code from an SMS.
• They ask you to install the app on your phone “to protect your funds”.
• They ask you to urgently transfer money for the “rescue” of your loved ones.

What to do if your money was debited:

1. Contact the bank and block the account.
2. Request to cancel the transaction at the bank immediately: some payments can be refunded in time.
3. Request the bank to perform a chargeback (challenge a payment that you do not agree with). The terms of the procedure depend on the policy of the bank and payment systems.
4. Apply to the police with a statement and a request to open a criminal case.
5. If the police refuse to initiate a case, you can challenge it in the prosecutor's office or in court.

Cyber Scammers
Techniques:

• They create spoof websites disguised as official resources of companies (insurance, bank, government agency). They are used to collect all available data, including card and account details (phishing).
• They distribute virus software that allows you to automatically redirect you to fake sites where data is stolen (farming).
• They hack the accounts of your friends and relatives in social networks and instant messengers, and ask for a "loan" on their behalf.
• They present themselves as non-existent charities and ask to help “sick children".

What to do if your money was debited:

1. File a police report.
2. If the money was debited without your knowledge, contact the bank immediately: block the account and try to challenge the transaction.
3. Send a request to the Bank of Russia's Unfair Practices Department.

We took out a loan in your name
Signs

• Call / write from unknown numbers and demand to pay off the debt.
• They threaten you and your loved ones with violence if you don't repay the loan.

If you haven't issued any loans, then:

1. Find out where the scammers got your passport data from. If you have lost your passport, immediately inform the police and get a certificate of loss of passport with the date.
2. Order a certificate from the Credit History Bureau and find out if you really have any debt-this is free of charge 2 times a year. You can find out which BCS have your credit history on the State Services website.
3. If you have loans that you did not take out, contact the lender with a request to liquidate the debt and contact the BCI for verification.
4. Find out the details of the transaction: ask the lender for certified copies of the agreement and the borrower's identity card, employee details, and the address of the office where the agreement was drawn up. Collect as much data as possible and file a police report.
5. Write a complaint to the Bank of Russia.
6. If the problem cannot be resolved, contact the court and request an expert examination of the documents and signatures.

Pseudoleasing
Techniques

• Initially, they offer to take a loan secured by a car or apartment.
• They pretend to be pawnshops, banks, or MFIs, and have official websites.
• They represent a one-day company.
• They create a fuss and don't allow you to read the contract carefully.
• They draw up a purchase and sale agreement at an undervalued price, while overestimating the cost of penalties and fines.

What to do:

1. Find out everything about the lessor: website, registration data, availability of information in the lists of the Bank of Russia.
2. Send the claim to the lessor.
3. Send an appeal to the Bank of Russia about the fact of illegal activity.
4. Send appeals to the Ministry of Internal Affairs of the Russian Federation and the Prosecutor's Office.
5. Apply to the court with a claim for invalidation of this transaction.

Investment
Signs:

• It does not have a license to raise funds from citizens.
• The site does not provide information about its own assets and financial position.
• The declared profitability is too high.
• There is no guarantee that the profit is paid from the organization's income, and not from other participants.
• They ask you to attract friends in order to receive payments.
• There is no liability to the investor in the contract.
• There is no information about the founders and owners.

What to do:

1. Check the availability of information about the organization in the Unified State Register of Legal Entities and on the Bank of Russia website.
2. Send a complaint to this organization with the reasons, requirements and consequences of their non-fulfillment.
3. Send a request to the Bank of Russia.
4. Contact the Ministry of Internal Affairs of the Russian Federation and the Prosecutor's Office.

Black Lenders
Signs:

• There is no permission from the Bank of Russia to issue loans (not listed in the state register of the Bank of Russia).
• They do not require additional documents ("fast money").
• Lender – a person unknown to you (sole proprietor, natural person, or LLC that doesn't match the name on the sign).
• The loan interest rate is too high.
• They offer “favorable " conditions secured by property.
• Harsh methods of working with the debtor (intimidation, threats, including towards relatives).
• They demand money before the loan is issued (for example, for insurance, for transfer to an account, etc.).

What to do:

1. Collect all the information about the lender listed on the Bank of Russia website, in the Unified State Register of Legal Entities, and in the contract.
2. Contact the Bank of Russia.
3. Contact the police and prosecutor's office.

Pseudo-Brokers
Signs

• There is no license for operations involving other people's funds.
• There is no information about the organization or it is not registered in the Russian Federation.
• ” Guaranteed " high profitability in a short time.
• They impose services by phone — they call from unknown, hidden numbers.

What to do:

1. Collect all information about the organization in the Unified State Register of Legal Entities and on the Bank of Russia website.
2. Send a complaint to this organization with the reasons, requirements and consequences of their non-fulfillment.
3. Send a request to the Bank of Russia.
4. Contact the Ministry of Internal Affairs of the Russian Federation and the Prosecutor's Office.