Attention, scammers! 11 proven ways to lose money online
The oldest profession in the world, perhaps, is not prostitution, but deception. People cheat on each other both for fun and for money. People cheat more often for money.
With the advent of the Internet, scammers have received powerful tools for siphoning money from the pockets of fellow citizens.
In this article, we present the most common methods of fraud committed using the Internet. This article will be useful for anyone who logs in, has a cell phone and a Bank card.
No goods or services
The most primitive, but evergreen method of withdrawing money is to get funds without providing goods and services in return.
“I was going on vacation to the tropics and was looking for cheaper tickets,” says Elena, a marketing Manager at a Moscow company (she asked not to give her last name and real place of work.)
— Suddenly, a very cheap offer popped up on one of the price aggregator sites-a promotion for a major middle Eastern airline. Two return tickets to the Philippines cost only 800 euros.
This was the site of an aggregator company that sold tickets to different destinations. Knowing that such offers cause a lot of excitement, I immediately bought tickets, paying for them with a card. I received a payment confirmation. Everything was fine.”
However, when Elena later decided to pre-order a special meal for herself and her friend on Board, it turned out that there was simply no such flight in the carrier’s database.
Accordingly, the tickets were not sold. The money went to someone unknown.
Elena started calling the office of the company that “sold” the tickets, but the number, as it turned out, was not registered in the network.
“To be honest, this case scared me so much that now I only take tickets on the websites of carrier companies,” Elena admits.
Naturally, such cases are not only found in the tourist market.
Often people lose money by buying things at fake online auctions or online stores.
You just transfer money for the purchase, and the product does not come. You pay in advance for the services of a specialist, but he does not come. And so on.
Unfortunately, neither experience, nor reason, nor caution can protect you 100% in the case of a contactless transaction.
Even seasoned people sometimes become victims of fraud in the network. Elena found an option to buy tickets only from carriers — one of the reasonable ways to reduce risks.
Give your passwords and turnout
A case where the opposite is true. You’re selling something. It would seem that this is completely safe. But even in this case, there is a risk of losing money.
Arkady-a lawyer (this is important, since he was well aware of many potential threats) sold the boat for 250,000 rubles.
Posted an ad on one of the well-known resources. A week later, an elderly woman called and said that she would buy a boat and was ready to make an advance payment.
All you need is the merchant’s card number. Our lawyer dictated the number. SMS messages from the Bank started pouring in. He didn’t worry, because at that moment his wife was vacationing abroad and could make purchases from the same account.
After a while, an elderly lady called and asked to name the code that should come from the Bank, assuring our hero that there is nothing to worry about: “this is what I pay you. What can happen?»
As a result, 1 100 000 rubles were withdrawn from Arkady’s account.
Fraudsters tried to withdraw money from the card. The Bank, as expected, sent the cardholder a security code for the transaction.
Despite all the warnings, despite the fact that in the SMS message with the code, banks are asked not to tell anyone this code, Arkady still did it.
The recommendation here is one: be as attentive as possible to the security requirements offered to you by banks.
Oh, there’s something wrong with your account
In fact, all such operations described above, experts call the General term-phishing, that is, fishing out the victim’s secret data about his accounts, which allows you to empty these accounts in a matter of seconds.
In addition to fraudulent purchases and sales at the moment the phishing scheme most often works like this:
1. You receive an SMS message or email with information that your Bank account has been blocked for some valid but independent reasons.
2. You are asked to call the specified number or follow the link.
3. In both cases, you are asked to provide the card number, name, security code, and transaction security code sent by the Bank during the transaction.
4. In the next few minutes, your account will be emptied as much as possible under the restrictions set by the Bank or by yourself.
Another type of phishing is not intended to get money, but your Internet resource, account.
1. You receive an email about an attempt to hack the resource or some technical problems and are asked to report the code.
2. After that, your resource is intercepted and used for their own purposes.
Unfortunately, there are an incredible number of phishing methods. And scammers come up with new, more sophisticated ones. So there is no 100% protection here either.
There are only recommendations to reduce risks.
The main rule in all such cases is not to get excited.
You need to think about how to check the information. For example, you can easily call the Bank, contact the provider, if it is an Internet resource. They will immediately clarify the situation.
Moreover, you need to contact not through the channels that are provided in the message, but by the numbers and addresses that are specified in your contract, on your Bank card, etc.
Save the puppy, donate to the child for a third kidney…
This type of fraud occurs primarily in social networks, but banner ads can also be found.
A compassionate office worker who seeks to sweeten the routine by viewing resources that tell about someone else’s life and opinions, periodically comes across tearful pleas from parents or well-wishers to donate money for the treatment of a terminally ill child, an unfortunate beauty, a wonderful person, to save animals from a disbanded shelter that is threatened with euthanasia, and so on.
At the end of the post, you usually see the account numbers that you can put money on (often it’s just “Yandex-wallet”, WebMoney, and other ways to quickly transfer money without details), and a request to repost the information.
Moreover, the links specified in the posts often lead to sites that describe very real cases taken from databases of charitable foundations and humanitarian organizations.
It turns out that unhappy people and animals are quite real. Only the accounts are not listed at all.
Perhaps many of us have already been led to such deception more than once.
Here we must understand that if the money is collected by an official organization, information about a particular case can and should be checked.
– Charity collections are not made using personal or anonymous accounts.
— A Bank account always has Bank details that do not contain the card number, but the recipient’s account number, correspondent account, BIN, TIN, and PPC of the Bank.
— And, of course, the organization must confirm that this account is correct.
— As for the collection of money by individuals, it usually can only help communication. Serious donors do not send money if there is no recipient’s phone number. Often, even a short conversation allows you to understand the real intentions.
In addition to the desire to enrich themselves, those who place such ads often do so to increase their audience by reposting false information.
They resell the resulting audience to some companies for marketing purposes or use them to promote their account or website.
Pick up an online wallet
There are “top secret” WebMoney wallets forgotten by programmers during various projects. Spammers send you emails with an offer to transfer a certain amount to such accounts and get twice as much in return.
The scheme is very simple — you transfer money and get nothing in return.
The Manager of a large trading company, Sergey (he asked not to give his last name and real place of work), admitted about this “cooperation” that occurred a few months ago.
“I don’t know what came over me. Perhaps I was bribed by the fact that a person contacted me not through mail, but in a messenger, ” he says. — I transferred 560 euros to my wallet-everything I had in my currency account in the Bank.
Actually, that’s all. A man named Kirill Osipov simply did not respond to my further requests.”
Money to save the business
“You get a letter or message with an offer to participate in the fate of a great project,” says a freelance security specialist in the field of network communications, Mehmet Tugaev.
— Some online store offers you to invest some, usually not too large amount to replenish working capital. They say that at the moment there are not enough loans, and the goods are purchased, the site is ready to serve customers, but only a small amount is missing — say, 1,500,000 rubles. They promise to return 300-500% more in a month.”
As a result, it turns out that this is a financial pyramid scheme, in which people are lured under the guise of investing in a real business. The risk of losing money in this case is as great as in any pyramid.
Call for free
Free mobile communication is inevitable. The development of telecommunications will lead us to this state of Affairs. Communication channels will be free of charge. People will pay for access to the content.
However, the future has not yet arrived. Nevertheless, scammers offer you a free connection today.
For 3000-5000 rubles, you are offered to install a “special firmware” on your phone that allows you to make calls for free.
This is usually explained by the imperfection of operators ‘ billing systems.
Of course, personal contact with the provider of such services is not possible. Money is transferred to online wallets. However, even after “installing” the firmware, users continue to regularly pay the bills of communication companies.