Once again, bank fraud is a headache for many clients of the financial system, who must wait for the bank to ‘take pity’ to overcome the situation.
Technology has allowed progress in many things and thanks to it many procedures that required physical presence have been eliminated. That is even noticeable in the agility of transactions that do not require a bank to be made, such as payments of public and private services over the Internet, balance inquiry, withdrawals that are not needed because payments can be made electronically, until a card is requested of credit, which needed a lot of papers, it is possible to request it only by filling out some information on the web.
At the same time, bank fraud continues to be a security threat, and identity theft is the most common modus operandi, according to a report prepared by Alto, a Chilean multinational specialized in the prevention and reduction of losses due to theft and fraud. in companies.
According to the study prepared by this company, within the most common forms of fraud is identity theft, with 27%, followed by blockbuster with 19% and vandalism to ATMs with 10%. Likewise, the days in which most frauds are carried out are Thursdays and Fridays, between 11 a.m. and 3 p.m. 85% of the frauds in the sector are carried out by men and the remaining 15% by women.
The most frequent ages are people who are between 30 and 39 years of age, followed by 18 to 24 years. “Knowing this information helps entities develop prevention programs for the benefit of their users and the entity itself,” says Jorge Segura, Legal Director of Alto Colombia.
This is one of the reasons why citizens suffer from their financial products. From that, we want to give details because we got an information to Personal Finance, by Amparo González Delgado, who was impersonated for the use of the credit card, which is now in the hands of Banco Popular, in Bucaramanga The story goes back to December 2017.
While the Colombians celebrated the novenas de aguinaldos with custard, donuts, chocolate and many other delicacies, the cybercriminals made theirs. Amparo explained that on the 11th of the mentioned month, his credit card was cloned and used by third parties to steal the money by computer means on December 10, 2017, but the bank has not given good management to the situation to resolve it, contrary this has delayed the response and has not made the reversion of the payment as dictated by Article 51 of Law 1480 of 2011.
As with so many other ordinary citizens, she was contacted by the Banco Popular monitoring center to ask if she was making an online purchase of $ 3,677,044 and $ 367,703, something she denied. ” Then I went to the branch of the bank located in Megamall (Bucaramanga, Santander), there I was assisted by an advisor, verified in the system that the purchase had been made on the website www.iqopcion.com, which I did not know and never I had used. ”
The consultant identified that they had made about 20 more attempts to fraud to use the card, “but they could not steal more money because the card had a limited quota and was also blocked immediately I found out about the fraud. The consultant identified that the fraudulent purchase had been made from another country because it was in another time use (therefore it appeared on December 10). ”
As it happens in these cases, the bank said that it would initiate an investigation to find the trade that carried out the operation and the response were unsatisfactory. As expected, they told the bank that they were not going to return the purchase money, and that was how the bank told Amparo that it had to pay the fraud for fees. This is how his home began to receive fees of $ 180,034 corresponding to the fraud committed on the internet and from that moment he receives daily calls from the bank to collect the money.
“When I saw the situation I went to the bank, I spoke with the assistant manager who told me that the only thing I could do was redirect the payments to 36 months while they responded to the investigation, however, that if the payment arrived and it was not yet situation I had to cancel and that later that money would be reimbursed, however, I did not give any guarantee that this would happen, “explained the affected.
Of course, before the silence of the defender of the financial consumer of the mentioned entity, Amparo decided to go to the Financial Superintendence, where he put the complaint in the supervisor’s knowledge, whose response to assess his situation will be known in 15 business days.
Meanwhile, he will surely have to suffer from the high fees he has to pay, where if he is not up to date, he will begin to receive late interest, which has a rate equivalent to the same usury that the bank handles. Today is approaching 31% annual cash. That is interest of 2.6% month due or early payment, according to what the bank indicates.
How to prevent crimes in the financial sector?
According to Alto’s recommendations, these are 8 tips to prevent fraud from spreading in this sector:
- Avoid exposing money in cash before and after making transactions or withdrawals at bank branches.
- At the moment of feeding the cashier, check that the security conditions are adequate and realize that there are no unusual movements.
- The process of collecting money with your securities transporter must be done with the back door closed.
- Encourage the use of transfers, checks and other customers, for less cash management.
- Maintain the maximum cash limits established by security protocols
- The operations must be carried out exclusively in the attention boxes or windows of the banking offices.
- Refrain from entering information on external links on the web; Banks do not send emails to their clients or their employees asking to enter through links to update data or resolve disagreements.
- Be alert to strange movements and attitudes that may harm the safety of clients and bank officials.