Bank Card Fraud Boom: Single Scam Or Debugged System

Bank Card Fraud Boom: Single Scam Or Debugged System

Monday began with an unpleasant for millions of Russians news. Izvestia, with reference to the director of the Banking Institute of the Higher School of Economics, Vasily Solodkov, reported that fraudsters found another way to steal money from the accounts of bank customers.


Dangerous calls


A real boom of telephone scammers. “I received a call from a landline telephone,” Solodkov told Izvestia a correspondent. - The man introduced himself as an employee of VTB, called himself by name and patronymic, and also turned to me. He said that an application to close the account was received on my behalf, and asked what time and in which branch of the bank it is convenient for me to receive money. I realized that this was a "divorce" and interrupted the conversation. Then he tried to get through this phone, but the number was inactive. "

Interlocutor "Izvestia" called the call dangerous. After all, scammers most likely tried to lure a client into a certain branch of the bank “for the purpose of robbery”. Bankers dismissed the version of Vasily Solodkov. Artem Sychev, deputy director of the Central Bank’s department for information security, reassured: such a scheme for communicating fraudsters with customers is already known. She does not suggest any physical contact.

In the end, the client will simply be lured by personal data in order to transfer money to a “safe” account. Employees of banks with whom the correspondent of Izvestia talked agreed with Sychev. They recalled the main rule of account security - “the client should never give third parties codes to confirm operations from SMS messages or his card details: CCV code and card expiration date”.

Curious in this regard is the assessment of the VTB press service. They noted: “The essence of the scam scheme remains the same. They propose doing stupid things to get money. ” The press service did not comment on how the criminals turned out to be the personal data of their client Vasily Solodkov (last name, first name, phone number, fact of having an account with VTB).

Who is behind the scammers?


Bank card frauds not only improve every year, but also become more frequent. According to a study conducted by Nilson Report, in Russia customers are robbed of clients for more than 100 million euros for a year.

Bankers are not very concerned about this fact. They are focused on the fight against credit fraudsters. Dramatic stories their customers, in which people lost hundreds of thousands of rubles from their accounts, at best cause only sympathy.

As a rule, banks wave away customers and their losses do not compensate. The standard scheme is as follows. The bank is conducting a 40-day investigation. In the vast majority of cases, he manages to prove that "the client is to blame." He provided fraudsters with personal data (especially if it is a PIN of a bank card) and thereby contributed to the theft of his funds. Returning the missing money is extremely difficult, practically impossible.

Media, referring to the Information Protection data, note: “The volume of unauthorized operations using payment cards in 2018 (there are no more recent numbers) increased by 44 percent, to 1,38 billion rubles, the number of such operations increased by almost a third: to criminals 417 thousand times it was possible in various ways to receive money from individuals ”.

Why has credit card fraud so grown? Experts give such an answer to this question: in the Criminal Code “responsibility for the use of fake cards and production without the intent of subsequent sale is still not spelled out”.

Here is a loophole for criminals left by lawmakers. That is, you can get a term (and there are such examples) for the direct theft of a bank card and its use. When a fake card is made “without the intent of a subsequent sale”, it’s extremely difficult to get to a police fraudster.

However, there should also be a desire by law enforcement officers to help the victims. But here there is a curious conflict. There are examples in the network when telephone fraudsters operate from places of imprisonment, and law enforcement officials supply them with equipment and SIM cards for criminal activity. Also present in this scheme are bank employees “without intent”, selling out personal details of clients to fraudsters. So a gullible person is left alone with this well-organized company, very rarely with a lone fraudster.

Soothes one. Russia is not unique in this criminal business. It occupies only the fourth place in the ranking of the study of the already mentioned company Nilson Report, skipping ahead of the UK, France and Germany. There is a full-fledged debugged system, the methods of which, in principle, are not new: an attempt to rub oneself in trust, to make a person figure out what someone who wants to help him speaks to him. Typical "shock psychology", when a person is confused by a few phrases, when he could cause a feeling of anxiety, panic. It is this panic that leads to rash actions.

People who have lost money are unlikely to reassure this circumstance. They would like to see their savings and bank accounts protected. However, the authorities and bankers have a different view of this problem. That’s why bank fraudsters roamed in Russia, with impunity and openly improving their criminal business.

On the other hand, no criminal intent in this case will be realized if a person understands one simple thing: under no circumstances will a real employee of a bank ask him for personal details of an account or a bank card. Even if “on the other end of the wire” they claim that the card is blocked, then this is not a reason to panic. The easiest way: hang up and call the bank. The number is always indicated on the back of the card.
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  1. Phil77 10 February 2020 16: 53 New
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    Vigilance! Again vigilance, and in everything.
    1. DMB 75 10 February 2020 16: 59 New
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      Liliput people consider fraud a more serious crime than theft, and therefore only in rare cases is it not punishable by death. With some caution, vigilance and a small dose of common sense, they argue, you can always protect your property from a thief. But there is no protection against adroit fraud.
      © Travel of Lemuel Gulliver, Jonathan Swift.
    2. carstorm 11 10 February 2020 17: 49 New
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      or just take insurance on the card and that’s it. 350 thousand annual insurance costs 5000 rubles. everything is simple. and the less you insure the less payment.
      1. Nyrobsky 10 February 2020 22: 22 New
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        Quote: carstorm 11
        or just take insurance on the card and that’s it. 350 thousand annual insurance costs 5000 rubles. everything is simple. and the less you insure the less payment.
        It seems that the banks themselves are interested in a certain proportion of their customers falling into the category of "enduring", since for other customers these cases will be the motivation for buying a banking product in the form of insurance for 5000. Babos out of thin air! Hence the metered leak of the customer base.
        1. carstorm 11 11 February 2020 00: 08 New
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          leaks were and will be. Equally perfect protection does not exist. our business, as clients, is to simply lay straws for ourselves where necessary
      2. ANB
        ANB 11 February 2020 00: 40 New
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        Have you tried to get money for this insurance?
        1. carstorm 11 11 February 2020 00: 44 New
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          personally no. but talked to those who suffered like everything was a normal routine operation. Indeed, in the case of insurance, the only thing that is needed is simply to call Sber by phone since they have their own insurance.
          1. ANB
            ANB 11 February 2020 01: 03 New
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            Banks do not have the right to engage in insurance activities themselves. This requires a different license.
            1. All normal banks warn that their employees are not allowed to ask for a card number.
            2. In the SMS with the password it is written that it should not be reported to anyone.
            3. The sooner you contact the bank and report the theft, the greater the chance of a refund.
            But, if there was an operation at an ATM with a pin, then it’s hard. However, if the card is a chip, then almost 100% of the money will be returned.
            Worse if there was an online transfer and the money has already left the correspondent account.
            By the way, here the Central Bank just makes a little difference, starting the process of transferring by phone number. In it, money leaves the correspondent account immediately and the bank does not have time to slow it down.
            1. carstorm 11 11 February 2020 01: 04 New
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              SK Sberbank Insurance.
            2. PSih2097 11 February 2020 19: 40 New
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              Quote: ANB
              Banks do not have the right to engage in insurance activities themselves.

              for this there are subsidiary insurers - VTB-insurance, IC Sberbank-insurance, Alfa-fear, etc.
    3. kit88 10 February 2020 19: 00 New
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      Why has credit card fraud so grown? Experts give such an answer to this question: in the Criminal Code “responsibility for the use of fake cards and production without the intent of subsequent sale is still not spelled out”.

      How is it not spelled out?
      Criminal Code of the Russian Federation Article 187. Illegal circulation of means of payment. - Production, acquisition, storage, transportation for the use or sale, as well as the sale of fake payment cards.
      The article was initially "heavy" - even in the first part - up to 6 years.

      Most people throw without using duplicate cards. Just through the Bank-client. So the "experts" are not looking for a problem there.
      Now about responsibility.
      The whole article about plastic card fraud, i.e. with bank accounts of citizens.
      The Criminal Code of the Russian Federation is responsible for this. Article 159.3. Fraud using electronic means of payment. In the best case, you get up to 5 years old.
      If we are talking about a duplicate of a card that is personally thrust by a fraudster into an ATM, then the aforementioned article 187 is added here.
      1. E_V_N 10 February 2020 23: 32 New
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        That's right, just tracking the transactions for the bank and the Ministry of Internal Affairs will not be a problem if desired. The problem is that there is no desire.
        1. kit88 11 February 2020 00: 39 New
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          There are three possible options:
          1. Fools to track and plant.
          2. It’s difficult to track tricks, to wait until they either mess up or throw “the wrong one”.
          3. The main thing in any investigation is not to go out on your own.
          1. PSih2097 11 February 2020 19: 41 New
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            Quote: kit88
            It’s difficult to track the tricksters, to wait until they themselves mess up or throw “the wrong one”.

            they are immediately hired, on a voluntary basis ...
        2. ANB
          ANB 11 February 2020 01: 06 New
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          . That's right, just tracking the transactions for the bank and the Ministry of Internal Affairs will not be a problem if desired. The problem is that there is no desire.




          It’s a problem for the bank. It is easier for the card system, but all have visas and a master.
          And the Ministry of Internal Affairs has not yet combed.
    4. Krasnoyarsk 10 February 2020 20: 12 New
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      Quote: Phil77
      Vigilance! Again vigilance, and in everything.

      It is just right to recall the unforgettable Kozma Prutkov - "Bee!"
      1. Phil77 10 February 2020 20: 16 New
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        So in another way it will not work.
  2. Same lech 10 February 2020 16: 54 New
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    People who have lost money are unlikely to reassure this circumstance. They would like to see their savings and bank accounts protected.

    When, finally, people will realize that bankers are the same scammers as those who deceive them from their bank cards.
    On servicing bank cards and salaries of citizens, they have considerable profits. It is profitable for them to foist citizens various banking products promising manna from heaven ... but for nothing and for nothing these loan sharks do nothing.


    As for the fraudsters in trust, as the head of the operational brigade of the anti-banditry department said. Zheglov ...
    Lvov Anna Vladimirovna ... 1921, a thief on trust. Shumakova Anna Borisovna, ... 1922. Thief. A little girl like an eight-year-old boy. I climbed into the window.

    You know what, Sharapov, they make me sick.
    1. AU Ivanov. 10 February 2020 16: 58 New
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      And you are a small child, what are you doing on all these promotions? Remember about where free cheese is and about the fact that there is a custom in Russia: do not believe, do not be afraid, do not ask.
      1. Fibrizio 10 February 2020 16: 59 New
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        I think this is not the custom of Russia, but something from the category of AUE.
        1. AU Ivanov. 10 February 2020 17: 08 New
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          This is an ancient saying: noli credere, noli timere, noli petere. I bring from memory, I could be wrong.
    2. bk316 10 February 2020 17: 30 New
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      On servicing bank cards and salaries of citizens, they have considerable profits

      Where is the fraud?
      They do not hide that they earn on you both on loans and on deposits and on servicing accounts and cards.
  3. Fibrizio 10 February 2020 16: 57 New
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    Nothing in essence changes in these methods. You yourself must say or translate everything. If you know that “this” cannot be told to anyone, then there is no problem.
    Ultimately, those who translate, not mammoths, will not die out. And as for me (if you do not take into account the elderly), then they are justifiably paid for stupidity.
  4. Arlen 10 February 2020 16: 58 New
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    The press service did not comment on how the criminals turned out to be the personal data of their client Vasily Solodkov (last name, first name, phone number, fact of having an account with VTB).

    Perhaps the accomplice of the criminals in the bank is working.
    1. bk316 10 February 2020 17: 31 New
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      Perhaps the accomplice of the criminals in the bank is working.

      Absolutely optional. Can you imagine how many offices have this data?
      1. BARKAS 10 February 2020 17: 43 New
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        Suspicion is caused by the fact that banks are not particularly concerned about security, for example, I have never heard that bank employees warn customers about the dangers and the rules of how not to lose their savings.
        1. bk316 10 February 2020 17: 45 New
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          so that bank employees warn customers about the dangers and the rules of how not to lose their savings.

          Do you have SMS banking enabled?
          In each SMS warning ...
          Which country are you writing from?
          1. ccsr 10 February 2020 19: 01 New
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            Quote: bk316
            Do you have SMS banking enabled? In each SMS warning ...

            Actually, sometimes SMSs come with a delay - I came across this. But the question is not that, but that Sberbank without any warning blocks any transactions suspicious in their opinion, and you yourself are forced to call the phone number indicated on the card, and only then, after conducting a survey with control words, they will unlock your card. Therefore, when they call you and say that this is a bank employee, do not believe it - they never call you, well, if only with advertising of some new services. This is what every sane person needs to remember.
            1. bk316 11 February 2020 10: 16 New
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              This is what every sane person needs to remember.

              100% and not only sber
        2. The leader of the Redskins 10 February 2020 19: 24 New
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          You know, but I had such a case. Only I will not name the bank. About twelve years ago, at about midnight, a telephone call woke me. A man's voice introduced himself as a bank employee and asked if he tried to withdraw this amount a few minutes ago in the city of Nsk.
          The amount was sufficient, the city from mine a few hundred kilometers.
          I replied no.
          I was informed that my card, apparently, was hacked, it is temporarily blocked and asked tomorrow or another convenient time to come to the office in order to unlock it.
          So, there have been cases, do not slander.
          1. bk316 11 February 2020 10: 23 New
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            You know, but I had such a case.

            So these were the scammers. laughing The scheme described is described, they called the collector, tinkov and alpha.
            As far as I remember further, you should have been offered to transfer money to a temporary account - naturally not yours laughing Or confirm by SMS the receipt of a one-time password, and this was an SMS about the installation of a mobile bank. In fact, they didn’t block anything, although they could block it just by trying to pick a pin, for example. Just lazy. These were even tied up; they were sitting in Ivanovo.
            By the way, they called me, I immediately called back to Sberbank and they confirmed to me that no security service called me. AND DOES NOT CALL IN PRINCIPLE.
            1. The leader of the Redskins 11 February 2020 13: 45 New
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              It is precisely that there was nothing described by you. It was a real bank employee, because I went and really unblocked my account. They confirmed everything to me.
              1. bk316 11 February 2020 15: 36 New
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                It is precisely that there was nothing described by you.


                AND ONCE AGAIN HOW DO YOU CHECK THAT THE REAL EMPLOYEE CALLED YOU?
                Call him back? They called back the security service and asked if their name works. And they answered you? laughing I DO NOT BELIEVE. Maybe there are such banks. But if you say that it is Sber or Rife, I will honestly say that you are a liar.


                So, by the way, Sberge actually technically CAN call himself. And for this there is a statutory procedure for confirming the authenticity of the subject. I just read it yesterday laughing I AM SURE YOU DO NOT KNOW ABOUT ANYTHING, as grandmothers and other ordinary clients do not know. So for you the bank cannot call you, it can. But for this we have signed a bilateral agreement.
                1. The leader of the Redskins 11 February 2020 16: 05 New
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                  A call was confirmed to me when I came to the department a day later. I specifically do not call the bank, that there would be no advertising, and you are me a liar. Thank.
                  1. bk316 11 February 2020 16: 29 New
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                    A call was confirmed to me when I came to the department a day later.

                    For sber not rolls. If interested, I can send an agreement on non-disclosure of Sberbank, but I say it coincided that I read it yesterday.
                    If an employee of Sberbank will tell you this, feel free to complain to your superiors. Not only does he not have the right to disclose such information, he is also guaranteed to lie - there is no information in the departments about the actions of the security service. And so they have a whole procedure, with reliable communication protocols, logging and so on. and so on. Although I consider Gref a treacher, I was inspired.

                    Well, in general, we have strange banks, for example, a mail bank. They have such a strange security system that you wonder. And for example, when the two-factor authorization is turned on, it sends a one-time password to the bank’s internal bank to the attached smart. WHAT IS IT LIKE? Well, okay, it's just my youth - a lot of things I created 20 years ago ....
  5. Zaurbek 10 February 2020 17: 00 New
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    Of course, a debugged scheme. And there is even a structure that oversees banks on behalf of the state (law enforcement), and from where experts very often work in banks. There is another structure that oversaw (or oversees) the gaming business. There is a structure that oversees girls with low social responsibility .... and drug dealers and drug addicts.
    PS these are all different power structures.
  6. SNEAKY 10 February 2020 17: 00 New
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    One year ago, they offered one such “job” in the messenger. To withdraw money from the Card-clones for a percentage was not frail. He politely refused, although the clones from Western countries, as they assured. lol
  7. prior 10 February 2020 17: 01 New
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    No work - crime is growing.
    Soon, pensioners will take up the axes, then the real fun begins ...
  8. Avior 10 February 2020 17: 03 New
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    Credit card fraud, in my opinion, is based on the fact that people just do not have time to monitor banking technologies, and law enforcement officers are not in a hurry to expose such scammers.
    The recipe is only one - on Any call about finance and the bank the answer is one - I do not discuss financial issues by phone and hang up. If they said on the phone something that supposedly requires your actions, the answer is the same, but to the bank’s office immediately, all the conversations are there. And no other way.
    Of the new methods of fraud, the criminal allegedly sells something that is not cheap on a prepaid basis, but gives your bank details obtained in any way and your phone.
    After the buyer calls that the money has been transferred, he calls you, apologizes, and says that you mistakenly transferred the money, suggests transferring money to his account without police and other formalities and dictates it (and the majority does not pay attention that he does not agree with account from where the money came from), suggesting that you keep yourself 10 percent for the trouble.
    And after a while, the deceived buyer writes a fraud statement, and they come to you, and the charge is ready.
    People, be vigilant!
    hi
    1. bk316 10 February 2020 17: 28 New
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      People, be vigilant!

      And be vigilant?
      One remedy for such a scheme, AND MORE THAN
      You do not return anything, you call the bank and tell the story for the record.
      And you have the money and the fact of the absence of fraud is logged.
      1. Avior 10 February 2020 17: 33 New
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        Money should still be returned to its owner anyway
        And someone buys that the owner allegedly leaves him 10 percent in case of a refund without unnecessary flrmality
        1. bk316 10 February 2020 17: 36 New
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          Money should still be returned to its owner anyway

          What for? Say "everything through the bank", in the bank say "erroneous transaction did not sell anything."
          Everyone is happy, the cops are not at work. The fraudster worked in vain.
          1. Avior 10 February 2020 17: 49 New
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            You do not understand, a bona fide buyer-victim transfers money to you.
            And the pseudo-seller is calling you - a scammer on his behalf
            , and gives some details about the time, amount and other data where the money received from the buyer came from, supposedly in order to find his specific transaction in the list and who convince you that this is the person who really transferred the money to you and offers to return the money him without unnecessary formalities, and for this to leave a part for himself.
            And you will have to return the money in any case, the buyer will write a statement
            1. bk316 10 February 2020 18: 10 New
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              You did not understand,

              I understand everything. You do not hear me.
              You have an obligation to return something to someone yourself NO You have such an obligation.
              So do not twitch. The correct scheme is this.

              A bona fide buyer contacts their bank about a chargeback.
              His bank goes to your bank.
              Your bank is contacting you.
              You confirm the fact of erroneous payment.
              Bank withdraws payment.
              Money is returned to the buyer.
              ALL CLEAR?
              You are being driven at 10%, SO FREE CHEESE ONLY IN THE TRAP laughing
              1. Avior 10 February 2020 18: 18 New
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                So we figured it out.
                What and speech.
                At first they convince you that you are communicating with the person who transferred the money to you and you have the choice, either with or without formalities, to return with a little gratitude from an allegedly casually transferred person, or to make him go on a formal path.
                So I urge you not to be fooled by these 10 percent, speaking of vigilance.
                And what does your
                . And you have the money and the fact of the absence of fraud is logged.

                I didn’t understand
                Well, sorted out and okay
                hi
                1. bk316 10 February 2020 18: 30 New
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                  So we figured it out.

                  Understood. I have simple advice for grandmothers. Never speak with anyone if they call you about finances. If they say something terrible, turn on the recording (one button), call CAM in the bank and play the recording. Helps in 99.9%.
                  The truth is still necessary and with SMS something similar to do ....
  9. New Year day 10 February 2020 17: 17 New
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    They would like to see their savings and bank accounts protected.

    so do not store large amounts on plastic! Or have a “working” everyday card with a small amount and the main one, which you keep at home and do not shine on the Internet. As an option, cash!
    1. bk316 10 February 2020 17: 39 New
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      Or have a “working” everyday card with a small amount and the main one, which you keep at home and do not shine on the Internet.

      3 cards.

      1. Salary - money comes there
      2. Buffer - from there money is paid.
      3. For a deposit - money is stored there.

      1 and 3 are in the safe.
      3 multicurrency
      Personally, I have three buffers: one to go shopping, the second to go to the wife's shopping, and the third to pay electronically via the Internet. laughing
      Naturally limits, two-factor or three-factor authorization,> 20 character password and FRAUD INSURANCE.
      Yes, I forgot, and NEVER BET ON A SMARTPHONE ON WHICH A TWO-FACTOR MOBILE BANK IS CONFIGURED. And of course, no phone conversations with strangers about finances, only through the bank and on record.
      1. New Year day 10 February 2020 17: 45 New
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        Quote: bk316
        1. Salary - money comes there
        2. Buffer - from there money is paid.
        3. For a deposit - money is stored there.

        1 and 3 are in the safe.
        3 multicurrency

        very reasonable hi
        1. rosomaha 10 February 2020 21: 36 New
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          no smartphone, no map - no problem ... in this regard
      2. carstorm 11 10 February 2020 17: 58 New
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        you have a deposit in vain) you can easily transfer money from it to any card at any time and vice versa) we have my wife’s double of my salary and everything else on her and my accounts. Well, plus virtual machines for payment on the Internet. Of course, I don’t have a wife’s card, but I think it’s understandable why)))))))
        1. bk316 10 February 2020 18: 01 New
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          from it you can easily transfer money to any card at any time, and vice versa, withdraw money back

          But now Sberbank and Raffeisen do not open a deposit without a card. request
          But she is in my safe .....
  10. Fibrizio 10 February 2020 17: 18 New
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    Quote: AU Ivanov.
    This is an antique saying:

    It's probably like a rainbow. You can fool any thing in context.
  11. the finish 10 February 2020 17: 27 New
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    Quote: Silvestr
    They would like to see their savings and bank accounts protected.

    so do not store large amounts on plastic! Or have a “working” everyday card with a small amount and the main one, which you keep at home and do not shine on the Internet. As an option, cash!

    Still there are options:
    Go to the settings of your personal account and set a limit on the amount of operations. Plus, set a ban on withdrawing funds, without additional personal confirmation, to anonymous wallets and other things. Plus, additional confirmation on other transfers and payments other than between your accounts. Just check the box. Even if you lose vigilance and get hooked, no one is safe with us, the chief accountant went to the steward a month ago and again several days ago began to dictate data to scammers again until a colleague pulled it from her The phone, somehow will be insured.
  12. Keyser soze 10 February 2020 17: 37 New
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    Yes, it’s everywhere full of scammers. My bank card was scanned. And pulled on online shopping somewhere 900 euros. The bank wound up and wrote letters to me for about a year, and then I got tired and told them that I would sue. And they returned the money in 2 days.

    But the point is that we have a law according to which the bank must always return the money if it was pulled back and you filed a statement that it is not your fault. And if it’s to blame, the bank must prove it in court. And the bank’s fine for violating this law is simply enormous. So they return the money ....
    1. bk316 10 February 2020 17: 59 New
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      But the point is that we have a law according to which the bank must always return the money if it was pulled back and you filed a statement that it is not your fault. And if it’s to blame, the bank must prove it in court.

      And we only have people who don’t go to court.
  13. Lamata 10 February 2020 17: 38 New
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    From the infa bank and merges, passed already.
  14. Shahno 10 February 2020 17: 51 New
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    Quote: Silvestr
    Quote: bk316
    1. Salary - money comes there
    2. Buffer - from there money is paid.
    3. For a deposit - money is stored there.

    1 and 3 are in the safe.
    3 multicurrency

    very reasonable hi

    By the way, a good thing is the online bank application .. Is it normal in Russia with this?
    1. carstorm 11 10 February 2020 18: 00 New
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      more than normal. it’s just that people often don’t know how to use them correctly.
    2. AU Ivanov. 10 February 2020 18: 23 New
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      It is quite normal in Russia with online banking through mobile applications.
  15. rocket757 10 February 2020 17: 57 New
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    Keep money in banks! Preferably metal.
    Civilization, progress, convenient for you ... convenient for scammers as well!
    Okay, all this is lyrics, maximum caution and .... everything is early, at least somehow divorced.
  16. stalkerwalker 10 February 2020 18: 03 New
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    07.02.2020/XNUMX/XNUMX I got a call from a woman from a Moscow landline phone, called me by name, introduced herself as an employee of Sberbank. And then I began to load that in my account a transaction was carried out.
    I don’t have any accounts with Sberbank, and I informed the girl from supposedly Sberbank that I would call back to the head office and ask why they were calling from an unfamiliar number. The interlocutor instantly disconnected.
    I inform false number of Sberbank - +7-495-960-19-94.
    1. AU Ivanov. 10 February 2020 18: 42 New
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      For this reason, I usually ship the interlocutor with a fake, but plausible card number. And if they ask for both pin and cvs fake, I will inform them with pleasure. Let them rest.
  17. Odysseus 10 February 2020 18: 09 New
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    Last week they called me from Sberbank. Even SMS from number 900 is sent)
    The number of such frauds is huge, especially the elderly. It’s useless to contact law enforcement agencies, at best, they don’t care, at worst they’re in share.
    But here everything is clear, capitalism .... Now, if it came to the opponents of the regime, then they would throw up drugs and come up with the matter themselves.
    And then there are class close thieves, they do not touch them.
    1. Phil77 10 February 2020 18: 39 New
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      I have a very short answer: * Sorry, I’m going * to the bank’s office and I’ll solve this issue. * Everything, I’m hanging up. And the elderly / although I’m not very young / really feel sorry! I mean those who believe scammers.
  18. Shahno 10 February 2020 18: 31 New
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    Quote: AU Ivanov.
    It is quite normal in Russia with online banking through mobile applications.

    This is also a good tool against fraud. So I asked what.
    1. Lamata 10 February 2020 18: 38 New
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      so there’s no way and it’s easier to get in, right now, with the masters shaft, but the basis is the drain from the bank. Just a couple of things happened, participated. (on the right side))))
    2. AU Ivanov. 10 February 2020 18: 45 New
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      The same virtual card for online purchases. Thing!
  19. the finish 10 February 2020 18: 49 New
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    Quote: stalkerwalker
    07.02.2020/XNUMX/XNUMX I got a call from a woman from a Moscow landline phone, called me by name, introduced herself as an employee of Sberbank. And then I began to load that in my account a transaction was carried out.
    I don’t have any accounts with Sberbank, and I informed the girl from supposedly Sberbank that I would call back to the head office and ask why they were calling from an unfamiliar number. The interlocutor instantly disconnected.
    I inform false number of Sberbank - +7-495-960-19-94.

    Several times I sent the SB sber the numbers from which they called. After some time, I called back to these numbers, but they are not active blocked.
    1. stalkerwalker 10 February 2020 20: 25 New
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      Quote: finish
      Several times I sent the SB sber the numbers from which they called. After some time, I called back to these numbers, but they are not active blocked.

      I also intended ... And then, remembering how Mr. Gref’s structure works, I realized that it was useless.
  20. svoit 10 February 2020 19: 08 New
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    Quote: finish
    After a while I call back to these numbers, but they are active not blocked.

    And why should they be blocked? Otherwise, SORM2 will not fix anything, although one case is quite enough. All these cases are caught easily and not forcibly, everything has long been under the hood.
  21. polar fox 10 February 2020 19: 32 New
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    cool! and who sells the personal data of clients? not the bankers themselves, no? how then, turning to a sperbank about a loan, they began to call my mobile number 5 (!!!) third-party banks with an offer to be loaned from them .... and you about scammers ...
    1. g1washntwn 11 February 2020 06: 50 New
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      They do not trade data; their data is dragged to the gray market by their employees. The banks themselves have a legal way to use your personal data without your knowledge - a single database for checking the creditworthiness of potential customers. Once they signed their consent to the processing of their personal data to the bank - everything, consider all banks know your data, having a loan for the maximum amount, another bank simply will not give you credit, since all your credit history and your data are before their eyes. They put it both on 152-ФЗ About personal data, and on 38-ФЗ About advertising ... Only the black list on the phone saves me which extinguishes calls and SMS which are not from the address book.
  22. bandabas 10 February 2020 20: 10 New
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    The other day I’ll be transferring the amount to my sister in Leningrad. from Murmansk about 3 months ago, our Hydrant and his train ... Gref announced that interest would not be charged at Sberbank. Let's see, smell it.
    1. Phil77 10 February 2020 20: 23 New
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      Sorry for the question, but you and Sister are customers of Sberbank? From card to card? What’s it for me: I repeatedly threw money to my mother and my half, didn’t take interest. But of course, within the city, although this should not affect.
      1. Lamata 10 February 2020 20: 46 New
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        Yes, actually it really should be that in the bank’s network, regardless of the region, and the transfer should not be interest. As with roaming pay, for example. I left Rostov Region in the Krasnodar Territory, and everything, roaming, I thought, drove away 2 km from the adm border. Technical problems, you see.
      2. brat07 10 February 2020 21: 17 New
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        Quote: Phil77
        Sorry for the question, but you and Sister are customers of Sberbank? From card to card? What’s it for me: I repeatedly threw money to my mother and my half, didn’t take interest. But of course, within the city, although this should not affect.

        Several times I transferred money to SB clients in other cities of Russia.
        The commission was not charged.
        1. carstorm 11 11 February 2020 00: 26 New
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          In the same region: through the office of Sberbank 1,5%, at least 30 ₽ of the transfer amount, max. 1000 ₽
          through ATMs, Sberbank Online, Sberbank Online mobile application, Mobile Bank - Free To another region: through Sberbank’s office 1,5%, at least 30 ₽ of the transfer amount, but not more than 1000 ₽
          through ATMs, Sberbank Online, Sberbank Online mobile application, Mobile Bank - 1% of the transfer amount, but not more than 1000 ₽
          1. brat07 11 February 2020 01: 28 New
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            Quote: carstorm 11
            In the same region: through the office of Sberbank 1,5%, at least 30 ₽ of the transfer amount, max. 1000 ₽
            through ATMs, Sberbank Online, Sberbank Online mobile application, Mobile Bank - Free To another region: through Sberbank’s office 1,5%, at least 30 ₽ of the transfer amount, but not more than 1000 ₽
            through ATMs, Sberbank Online, Sberbank Online mobile application, Mobile Bank - 1% of the transfer amount, but not more than 1000 ₽

            It seems to me that you are mistaken.
            Translated through the mob. SB Bank to a client of the same SB in December 2019. 20k to another city.
            Commission - 0r.
            True, the same region.
            1. carstorm 11 11 February 2020 01: 29 New
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              it’s not me but the Sberbank site)))) Yes, and in your case there is no commission if you read carefully)
  23. rosomaha 10 February 2020 21: 54 New
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    The people, I have not quite in the subject ... but very tired. I am about the author of this article. It has been activated since the beginning of this year .. literally several articles a day, in different sections of the site. But all articles have one style. Note. Actual theme, the theme line ... and a sharp break. The volume of the article takes 2 pages by force. And their beginning is a sublimated statement of what everyone knows. QUESTION TO ADMINISTS - Why skip this to the publication? If this is an analytical article - there should be an analysis of the causes and consequences of the development of the situation ... by solving and so on. Even with a minimum, you can "philosophize" or scrape together on the Internet on 4 pages. Take even this article - I wrote something that everyone knows. Yes, and then - types and methods of robbery, methods and varieties of protection with examples. Forecast for the future. Assumptions for the reasons for this situation and assumptions for “roofing interest groups”. That is, the article should be more professional on the relevant topic. And so he created the impression that with these articles, their count, he simply gets a rating for himself. There should be an inform inform at least in volume (at least 3 pages, excluding graphics). And according to the content of the article. If this is analytics or your own opinion - disclose and prove completely, like a report at the university .. like a student. And for this you need to understand the chorus of the topic and while writing a lot of information to shovel and double-check.
  24. garri-lin 11 February 2020 12: 34 New
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    The very first and most important thing. To oblige banks to pay a fine to customers who were contacted by third parties who thoroughly possess confidential information that only the bank and the client can own. Such as full name, account number, details. And fine large amounts. Assume 50% of the deposit amount.
  25. naGua 11 February 2020 16: 36 New
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    The classic story. My wife was deceived from a VTB card in a similar way to 75 thousand, exactly before the New Year, 2019. The details are not so important, but something else is interesting. Namely, the behavior of law enforcement agencies and VTB Bank. We went together to the police station, sorry sorry ... police (this is associated with Ain, Tsvay, policeman :)). They wrote a statement, the operas accepted, listened attentively, very meticulously questioned the details, but honestly said that disclosure was unlikely, showing a packet of statements only in a week. By the way, when they told him that the card was from VTB Bank, he whistled and said that "there will be problems with these." Indeed, for two and a half weeks VTBshniki were in a hurry and did not give an account statement, escaping with a slurred moo. And this is at the official, written (I demanded) request of their mile ... uh, police! So much for the hot pursuit :)!
    Then, for almost a year, the prosecutor’s office fed with letters saying, “Your case has been transferred to a further instance,” “Your case has been examined,” “a crime has been identified in your case and qualifies as fraud.” Then everything died out, and at the end of this New Year’s story, a letter came and made us happy with a message about the following content: “there is no evidence of a crime in your case!” I saw almonds ?! :) Here's a story :) Now it’s clear that the spouse is now vigilant, like a border guard on patrol. After all, these parasites called again. It is known that women and elderly people are “conducted” for such “actions”. Our brother is less gullible, although, as they say, "there is a hole in the old woman"
    So, comrades, "Be alert! The enemy does not sleep!" more relevant than ever :).