In a long article, the UFC que Choisir association revealed different ways to protect yourself from fake bank advisor scams, which are particularly dangerous since they provide access to all of the victim’s bank accounts. We’ll explain!
For many years, pirates or hackers have been increasing their ingenuity to scam and extort as many funds as possible. It is with this in mind that some scams are born that are more serious than others. If we already know the SNCF or loyalty card scam in stores, a much more clever and inventive one allows us to obtain all of a person’s contact details and banking information: the fake bank advisor scam. But what is it exactly? This scam consists of receiving a call from a fake bank advisor by telephone pretending to be one of your bank’s employees (note that the telephone number may be that of your bank) informing you that you are the victim of fraudulent transactions on your accounts and therefore requesting certain confidential information from you.
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Information requested by a fake bank advisor
Generally during this type of call, the fake bank advisor will then ask:
- your identifiers, bank details and code received by SMS to supposedly carry out a “ blocking of these fraudulent transactions “.
- to carry out certain actions yourself, such as validating an operation or adding a beneficiary to your application.
These calls from these famous fake advisors are generally preceded by pishing, that is to say SMS or email from an administration (La Poste, Social Security, etc.) asking you to enter personal information after clicking on the link in the body of the email allowing them to retrieve the information they need when they call you to put you at ease.
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A scam that goes even further today since some scammers even go so far as to claim that given the urgency of the situation it is strongly recommended to destroy or secure your bank card by sending you a courier to your home which will take care of it. They then have all the information in hand as well as your bank card to make as many money withdrawals from an ATM as they wish.
How to avoid being trapped?
Initially, the associationUFC to Chooserecommends remaining cautious and calm in this type of situation. You should know that your bank will never ask you to communicate information concerning your banking details or to validate or block transactions by telephone remotely. A bank can block any banking transaction without needing confirmation or validation from you. Sending a courier is also something a bank NEVER does! Be careful even in cases where the email you receive perfectly imitates that of your bank or the number displayed is also that of your banking organization.
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The association recommends hanging up quickly if you receive a call of this type and not transmitting any information over the phone or clicking on links in emails. If you have any doubts, contact your bank advisor yourself either by telephone or through your application or simply wait for your bank to open to go there in person. And if a courier still shows up at your home despite your refusals, don’t open the door for him.
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