As mobile electronic financial transactions have become more active, it has become possible to conveniently conduct banking business on a smartphone, but voice phishing, which threatens financial consumers, has also become active.
Looking at the statistics of the Financial Supervisory Service, the number of damages and the amount of damage are increasing rather than decreasing, and the number of complaints of voice phishing, which is different from before, is also increasing, and the method is gradually becoming more intelligent.
Let’s find out where to report voice phishing, how to deal with it, and how to help avoid exposure to these scams.
Report voice phishing
When many people realize that they have been subjected to voice phishing, the first place to call is probably the police station or a financial crime, so you can report it to the Financial Supervisory Service first.
One thing to be aware of is that the police station and the Financial Supervisory Service receive damage and apply for relief, arrest, and compensation, and there is a separate place to call first.
As soon as you become aware that you have been scammed by a voice phishing scam, the financial institution should notify you immediately.
This is because you need to call the customer center of the bank you are using and report the damage, and take measures to prevent the criminal from withdrawing money.
If the criminal withdraws money, realistically, the probability of finding the amount of damage decreases, and maybe you can’t find my money forever.
There are such voice phishing remedies, but the remedy is to get a refund with the amount remaining in the account before the criminal withdraws the money. It is a method of refunding the amount of damage by setting a ratio.
There are many arguments that a number of improvements are needed regarding the refund method. 보이스피싱 신고
Related article: Refund of voice phishing damage, procedure and period? 좋은뉴스
The most important thing is to call the customer center of the financial company as soon as you are aware of the damage and receive the relevant report.
You can also apply for payment suspension at the police station, but personally, we recommend that you call the financial company first.
Prevention of voice phishing
The Financial Supervisory Service says that the best way for consumers to prevent voice phishing scams is to be aware of the various damage cases.
In the case of such a fraud, it takes a very long time to get a refund or there are cases where the amount of damage is not refunded.
It is not wrong, but as a method that can be helpful to financial consumers other than studying the case, I personally recommend using an application such as T phone.
When a call comes in, these apps show information on the incoming screen whether it is an advertisement, a publicity, or a suspicious number, so you can block the suspicious number in advance.
As a way to prevent fraud under the guise of borrowing money, if you receive a call or text message and ask you to click a link in the text, install an application, or induce an action, the probability of voice phishing is high. You should never click on it.
Voice Phishing Cases
The most representative case is the impersonation of a public institution, where a specific institution is impersonated to make it difficult to make rational decisions, such as criminal facts and personal information exposure, and demand money.
Public institutions and financial institutions do not ask for account passwords or money for any reason.
Recently, a method of inducing users to click a link while sending information such as checking the route of the corona infected person is popular.
In the case of loan execution, the target is mainly those who use loan products with high interest rates.
It uses the psychology that it is possible to repay at a low interest rate to consumers and that it is possible on good terms at a time when it is impossible to borrow money due to excessive existing debt.
In this case, if you ask us to pay a certain fee for the execution of the loan, it is also a type of phishing, and it is illegal to ask for a fee for any reason during the execution of the loan.
Also, if you click on an application or link, you should never install an application or click on the link because your smartphone is hacked and even if you make a call to a public institution or financial institution, a scammer can get your phone back through hacking.
You don’t have to think hard, just think of it as a scam if an organization asks for money or information from you.