The conversation lasted about half an hour. I was led according to a scheme from withdrawing the amount of funds on all banking products to trying to take a loan from a bank in order to transfer funds to another bank. Awareness of the scheme comes after. Because in the course of a conversation, you are first put into a stupor with information about the withdrawal of funds from your card, then they try to impose an algorithm of actions that is not so obvious behind the stream of words. In addition, you need to listen to your opponent, think about the situation, appeal to the illogicality of his questions.
The call rang in the evening, when most people return from work tired, which means their consciousness is not so clear. It was not the first time for me to hear such a "bank employee", but in previous times I managed to send it in the first minutes, but here the degree of pressure and persuasiveness was high enough that there was no chance. Yes, and I woke up recently ... I felt like talking. The full name and names of the companies have been changed, which she ignored, did not understand the dregs, and was filled with three dots.
- Hello, is this Ivana Ivanovna? - I heard a voice from a distance in the receiver.
- Well, um, yes.
- I am an employee of the Vsemizvestny Bank Petr Petrov. Our conversation is being recorded. A data leak occurred through the fault of a former employee. From your card, a transfer was made to the name of Sidor Sidor Sidorovich. Our security service considered it fraudulent and blocked the funds. We want ... Can you see the last time you made a transfer from your card?
- Yes.
When Peter says his last word, and Ivana begins his “yes”, some kind of switching is heard in the background, as if this “yes” is being written somewhere.
- You know, I'm looking at it now and I don't see any translations.
“This means that our security service is working well. When was the last time you made a payment from your card?
- And what if there are several?
- Have you lost your cards? - Peter takes the conversation aside, apparently trying to add more stress to Ivane's brain.
- No, like everything is with me. - she answered, fantasizing about losing the virtual machine.
- When did you make the last payment?
- A week ago?
- What is the balance on the card.
- Three hundred rubles.
- So, I write down: three hundred rubles.
- Do you have another card?
- There is.
- How much money does it have?
- What card, what do you mean? - Ivana Ivanovna begins to aggro. She waits for the fraudster to start asking for the card number, and then she will show him the "number". But the divorce went against her expectations.
- Visa type card.
- Well, 3 thousand.
- Do you have a personal account?
- Which one? - asked the fan of bred zoo bills.
- Your personal account. There must be a personal account, it is started when the card is issued.
- Well there is.
- How much money does it have?
- Well, 5 thousand. Why are you asking the amounts, I am not saying them exactly?
- So you say for sure, it is necessary to insure your funds ...
Ivana asks to call her back in 5 minutes, explaining to Peter that she needs to "punch" the number from which he is calling, in order to find out whether it really belongs to Vsemizvestnoy Bank. To which Peter neutralizes, they say, he now has this application open, and if he closes it, he will move on to the next one, there will be no way to contact him. Again, it reminds you that the conversation is being recorded.
- However, I can send you an SMS from Tsifra00 number. Do you know the number Digit00?
- I know, this is the number of Vsemizvestny Bank.
- Here. SMS will come now. There it will be written that the message is not from the security service. I am an employee of the technical department. You will be transferred to the security service after talking to me.
Indeed, an SMS comes from the bank number:
. . . : xxxxxx. .
You need to understand that when you are talking on the phone, especially the push-button one, it is difficult to read the entire SMS. But it was not difficult for Ivan to dial the caller's number in the search for Yashka. She was lucky that she was not on the road, but sat exactly at the computer. What the yacht solitaire gave out: a swindler.
- You know, I just dialed your number and it says here that this is the number of swindlers - diplomacy is not her strong point.
- I do not know what you have highlighted. Our numbers are generated dynamically.
According to common sense, the "employee" should start to curtail the dialogue, realizing that he was figured out. But no, he persisted.
- Do you have credit cards?
- No.
- The fact is that from your single personal account a payment was made to Another Bank in the amount of 9 thousand in the name of ...?
- What is such a "single personal account"? There is no “single personal account”.
- There is. You just never used it. It reflects the totality of all your funds. It was from him that the payment was made to the OtherBank. Our security service worked so that you need to go to your personal account and make a reverse payment, ... to cancel the payment. Are you in?
- Yeah.
- Do you see the "Credits" tab? Click. What do you have written there.
- Nothing is written.
- Click "take a loan".
Here the unstable nervous system of Ivanova lost her temper to the end. The further excess was vaguely remembered. She informed the "bank employee" that the number he was calling was not used by her for Vsemizvestniy Bank, that his data was outdated. She asked if he knew her name and place of residence. Yes, he knew the last name and area of residence.
- We've been talking for almost 30 minutes! - Peter suddenly said irritably. - You refuse to fix your funds ?!
- Aha!
So what did the "bank employee" do? Probably, after checking my solvency, I tried to take a loan for a larger amount, from which I would have made a transfer. On the one hand, it is difficult to imagine that this can be taken up. If a bank employee called me, it was only with an offer of a loan, card or opening a deposit.
However, many have elderly, sick, or drinking relatives. And then it becomes no laughing matter. If this kind of fraud hadn't been successful, it wouldn't have flourished. So is it worth the banks to agitate the transition to their online services for everyone?