Fraudsters can use other people's accounts secretly. The victim himself does not know that he has become part of a criminal chain. We will tell you about the most popular methods.
Transfer to card
Fraudsters can transfer money to a card, then contact its owner, report the error and ask for a refund. Most often, people agree, as they fear prosecution. The fraudster gives not the account from which the payment came, but a completely different one. And so the person becomes a dropper, but does not even know about it.
To perform a transaction, the attacker must know the account details and phone number. Here are the standard methods by which information is obtained:
Fake interviews . A fake employer takes contact information indonesia mobile database and bank account details from the applicant. After that, the job is denied, and the data remains with the fraudster.
Fake bank apps . They look exactly the same, but are stored not in official online stores, but on fake websites. These apps collect payment details and contact information.
If the recipient agrees to transfer the funds, they become part of the drop chain. The police may eventually get to them. They will have to explain what exactly happened and prove that there was no criminal intent in the actions.
Request to cash out funds
A criminal may approach you while you are standing at an ATM and ask for help: he will transfer funds to you, and you will cash them out. Usually, scammers tell stories that are easy to believe: allegedly, the card is lost, the salary has arrived, and you need to get cash quickly. When it is necessary to withdraw a large sum, they explain the source differently: earnings from the sale of real estate or another transaction. To spur the victim on, the fraudster may offer a financial reward.
Receiving and cashing out a large amount of money may attract attention and raise questions from law enforcement.
Psychological impact
Skilled scammers can also exert psychological pressure on the victim: force them to make a transit or give them the card details along with the expiration date and CVV code. The latter allows the fraudsters to perform banking transactions without the participation of the card owner.
For psychological manipulation, criminals pretend to be someone else: usually police officers. They call and ask for help tracking down and catching the criminals. The details of the operation are supposedly kept secret, and the victim only needs to cash out and transfer the funds or transfer them to another account. Less often, they ask for their card details.