It is a wise practice not to use the phone number provided in the e-mail or in the telephone message you receive.
#The very organized thief online verification#
As part of the verification process, your bank will never ask you for your Social Insurance Number.
#The very organized thief online password#
You will not, however, be asked to verbally provide any PIN or banking password or enter your PIN or password on your telephone keypad. As part of a legitimate conversation with your bank, you may be asked verification questions so the bank can ensure that they are speaking to the right person. In some cases, your bank may contact you by phone or leave you a voicemail message if they suspect fraudulent activity. If you do receive such an e-mail, do not respond and delete it. If a bank suspects fraudulent activity on your debit or credit card or account, they will never contact you by e-mail.
Vishers don’t typically know who you are and don’t usually use your name. If you are dealing with a legitimate company, they know who they are contacting and will address you by name in an e-mail or telephone call. We all get e-mails and telephone calls from legitimate companies and organizations that we do business with, but here are some things you should keep in mind as you try to figure out if you’re being contacted by the legitimate company or by a visher. So, why do they do it? Usually it is to commit some sort of financial fraud. With Voice over Internet Protocol (VoIP) and other internet-based telephone technology, criminals can now make calls inexpensively and can mask their identity and their location and even make it look like they are calling from a legitimate company on your call display. Security experts have seen another variation of vishing where the criminals will leave a voicemail message or make telephone calls directing people to the bogus phone number. After you do that you may be disconnected without speaking to anyone, but the criminals will have your information. The e-mail may warn of a security alert and ask you to call a local or toll-free number where an automated attendant will ask you to punch in personal information, such as your credit card number, social insurance number or online banking password. Vishers will send out an e-mail to thousands of people which looks like it is from a reputable organization, such as a credit card company, online retailer, bank or government agency. Vishing stands for "voice phishing" and is a twist on the phishing e-mails that you may have received, but now the criminals are using the phone as well to trick consumers into revealing personal information. Vishing (Source: Canadian Bankers Association) What is Vishing? See: “How to protect yourself from title fraud”. The Canadian Bankers Association has some good tips for preventing real estate fraud. See: Peter Bowal “Identity Theft: Mortgage Mayhem” at page 5. This fraud is estimated to be a $1.5 billion industry in Canada. This results in a dispute for compensation between the innocent landowner and the lenders who relied on the officially registered documentation. The imposters abscond with the money and the mortgages immediately slide into default.
He/she then sells the land to another rogue or uses the property to obtain money through lines of credit or mortgages from unsuspecting lenders.
Land/ mortgage schemes:Ī fraudster impersonates the true property owner forges the owner’s signature in sale documentation filed at the land registry offices and deceitfully obtains ownership on paper. More information about these techniques can be found in the referenced CIPPIC’s paper.Ī few of the methods of identity theft are described below: 1. Social engineering: examples of this are pre-texting, contests and surveys, obtaining credit reports, bogus employment schemes. Technology-Based: examples of this are phishing, pharming, DNS Cache Poisoning, wardriving, spyware, malware and viruses. Physical Theft: examples of this would be dumpster diving, mail theft, skimming, change of address, reshipping, government records, identity consolidation. See: CIPPIC “Techniques of Identity Theft”. These methods were broken down into three categories in one of the working papers of the Canadian Internet Policy and Public Interest Clinic (CIPPIC). See: RCMP “Personal Information and Scams protection”. Criminals use several methods in committing identity theft.
0 kommentar(er)
