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Even if the fraudster knows the card number and expiration date, it is not easy to steal money from it.
Most cards are protected by 3-D Secure - a system that requires confirmation of large transactions with a code from SMS. To find out the treasured code, attackers use: sending letters, spamming on social networks, faking bank websites and making phone calls on their behalf.
Maxim Matyushchenko
experienced buyer
Imagine: Saturday evening, cups of tea, a TV series crackling on the laptop. Suddenly a call: “Hello, this is about your card.” If the dialogue follows one of the scenarios below, end the conversation and report to the bank.
Sign 1
The call comes from a hidden number
The bank always calls from the official numbers listed on the website. It may be federal, it may be mobile, but it will not be hidden.
Sign 2
An SMS supposedly from the bank arrives in a new correspondence
SMS from the bank also comes from one or two numbers that are already familiar to you. In any case, do not rush to click on the links in the message.
Sign 3
The interlocutor cannot answer simple questions
Scammer
Hello, someone from the bank is bothering you. We see a suspicious transaction on your card.
On what card?
According to your main
Give the number
Bank
Hello, someone from the bank is bothering you. We see a suspicious transaction on your card, the last digits are 1234. Cash withdrawal in another city, the amount is 8,000 rubles.
Oh, I filmed this, thanks!
The call center operator sees on the screen everything that the bank knows about you. If the interlocutor is not ready to answer a simple question, for example, tell the card balance, this is a scammer.
Sign 4
Alarming message or call subject
To scare the victim and force them to quickly take the desired action, scammers come up with frightening scenarios. They say that the bank has blocked the account, assessed a fine for the loan, or that a suspicious transaction was carried out.
In such a situation, do not rush, two minutes will not solve anything. Call the bank and find out. Call only the phone number indicated on the website or on the map.
Sign 5
The interlocutor asks for card details or SMS code
Scammer
To cancel a suspicious transaction, tell me your card number and the code on the back.
1234 5678 9012 3456, code 789.
Great, you will now receive an SMS, tell me, what are the numbers?
Bank
We blocked the card and ordered a reissue. The courier will call you to arrange a meeting. We have temporarily blocked funds for the suspicious transaction, and the security service is studying the situation.
An SMS code is the same as a password. Bank employees will never ask him, and they already know the card number.
If you received a call supposedly from a bank and you want to make sure the interlocutor is reliable, ask his name. After this, call the official bank number - the one indicated on the card and on the website - and ask to be switched to the person who called you.
Sign 6
They promise you benefits without effort
To lure the victim, scammers promise a solid income quickly and effortlessly: super profitable work, win-win competitions, courses that will make everyone rich. But there is no free cheese, even in a mousetrap: you won’t get money, you’ll only lose it. For example, scammers will take an advance payment for training and disappear. Or they will promise a prize and lure you out of your card details, supposedly to transfer your winnings.
Sign 7
The interlocutor is rushing you or trying to convince you
The bank employee will never insist or rush. He's at work.
Sign 8
Errors in message
The bank has vigilant editors, but scammers write with errors. Don't let the illiterate criminal fool you.
Sign 9
The sender's name is misspelled
Fraudsters register addresses similar to bank names. What works here is the property of the brain, which reads the meaning of words if the letters in them are written. When such an SMS arrives, you should also be alerted by the fact that the message was in a new correspondence.
Tinkoff Bank is a modern bank that does not have branches - customer service is provided via the Internet, by phone hotline and personal visit of bank couriers. Using the hotline, you can contact a bank representative at any time of the day and resolve any financial or technical issue related to its services.
In 2019, the bank became more popular in Russia due to favorable offers on: (with bonuses, cashback and connected savings programs), and profitable. The flow of funds on bank cards, making payments and transfers can be done remotely via. But, still, in some questions, it is better to consult with bank specialists by calling the bank’s hotline.
To resolve general issues, the following number is available: 8 800 555-77-78 (for calls within the Russian Federation). After the operator finds out the topic of your question, he will switch to the appropriate specialist.
Loans and credit cards:
Email: [email protected]
Debit cards, deposits:
Email: [email protected]
Insurance:
All Tinkoff Bank hotline numbers are on the official website page in the “Contacts” section.
Tinkoff Bank provides legal entities with a telephone number. From another country you can call the call center operator at +7 499 605 11 10 . In addition, you can use e-mail and send your letter to: [email protected].
Dmitry Udimov:
Friends, be careful and repost if possible so that others do not suffer. Today I came across a serious scam from Tinkoff Bank. I have been a fairly loyal customer of this bank since 2010. I use bank debit products and recommend them to everyone I know.
I was interested in the All Airlines bank product for accumulating miles from any airlines, and I fly often. I submitted an application from Internet banking. The operator called me back a few hours later and began asking strange questions about my business partners and relatives, asking for their mobile phone numbers. I did not provide the bank with a single contact number, and asked them not to call anyone and cancel my application altogether, after which the operator said that we could do without it and we continued to fill out the application for the card.
The card was approved and issued to me, but a few hours later I found out that they began calling my relatives and probably friends and generally God knows who else of my friends and partners, asking them strange questions about me. This is, of course, absolutely complete bullshit from the bank that I trusted so much.
Their debit products are good, but their credit products are still at a very low level. I regret that I didn’t read the reviews before applying for the All Airlines card, because... I didn’t think that a bank could have two such different polarities - excellent debit products and low-level credit products.
Don’t be fooled by this credit junk and miles from Tinkoff Bank if you value your reputation, and immediately send **** to the operators who sell you loans. Keep in mind that after you recommend this bank to someone, they can then use the contact information of your friends as they wish, and in my opinion this is a violation of confidentiality, because it may be that you no longer communicate with this person or are in conflict, and they call you, ask stupid questions and generally remind you of him.
P.S. My only mistake was that I recommended this bank to all my friends, relatives, colleagues and partners and they are all its clients. But the bank misuses this confidential information and uses their contact information to make such piercing calls that can harm your reputation.
Tinkoff Bank response:
Hello.
As part of the review of the application, they may actually call the numbers provided by the applicant. The calls were verified. As we can see from the history of the issue, the call to the contact person was made before you asked the employee not to make calls to the specified numbers.
We are sorry if the standard application review process has caused you any inconvenience.
Greetings, my dear reader. Today in this article I want to discuss with you a situation that occurs in most of my clients. Tinkoff issues a lot of loans everywhere, so situations very often arise that there is nothing to pay off the loan, and the bank begins to actively call and write to the borrower.
What should be done in such a situation, how to react, how to communicate with bank employees, we will discuss in this article.
This is the only bank in Russia that has been operating without offices for many years. The name of the bank fully corresponds to its owner. He founded it in 2006, modeled after one of the American banks. The main direction of this credit institution is credit cards. One of the first banks they issued mobile app. Until 2017, they did not have their own ATMs, but are now starting to develop this area.
It doesn’t matter which bank you owe money to, the way banks work is the same everywhere. At first, the bank actively calls you, some come. Then they disappear for six months or a year, some for two. At this time, fines and penalties increase. Then the bank goes to court for a court order. If you cancel it, then after a while it will come out with a statement of claim. Taken out judgment. Next, the bailiffs initiate enforcement proceedings and begin withholding your official income (if you have any).
Of course, sometimes the script can go the other way, but in rare cases.
You can get rid of bank calls in different ways, you can read about them. You can also install the Blocker - Stop Collector application on your mobile phone. It allows you to block unnecessary numbers. The best way is to change your number.
Tinkoff mainly works over the phone with debtors. On the headhunter’s website there are a lot of vacancies from this bank specifically for remote work. So if there is a need for work, you can try yourself.
Find out ways to write off debts
Collection agency employees may come under an agency agreement, but this is in rare cases. In any case, there is no need to be afraid of the arrival of collectors. Communicate calmly, take the position that you are very sorry that you are in debt. You will try to pay for it. But only through the court.
Tinkoff really likes to go into the shadows for a long time: for a year and a half, wait until the fines and penalties increase significantly. And then he goes for a court order. This cannot be missed and must be canceled immediately. You can read how to do this
P.S. Dear friend, I hope this article was useful to you and that is why you will share it on social networks with your friends.
Best regards, Alexander Izotov. Service Veles.