The facts of scam calls & SMS become a nightmare for most of the mobile users having bank accounts, in recent times.
We have already been habituated with ‘Customer Care Calls' – Someone calls from respected telecom company asking to activate some offers or plans – We often hear some ‘Noisy background conversation' during these sessions where other representatives usually engage in speaking with customers to fulfill their targets.
We trust these types of setup – Frauds are taking full advantage of the situations and trying best to collect info from common people, as much as possible, by any means !
How get rid of Fraud calls & SMS ?
Most of the banks send SMS to their customers with proper details requesting how they can easily avoid such events.
Something like :
“BEWARE of FAKE SMS, E-mails, Calls asking to redeem REWARD POINTS for Gifts/Vouchers or ATM PIN, Bank details, DOB, Address etc. DO NOT SHARE your Card number, Expiry date, CVV, PIN or OTP “
How to Detect fraud calls or SMS ?
- These type of SMS usually asks you to send Credential details to particular mail or address
- Calls usually comes from personal numbers
- Calls usually start with some freebie offers and end with asking you to give them financial & personal details
- You may sometimes be asked to take immediate action otherwise Caller may take some official actions as they have your address & financial details (In reality they don't have any of these if you've never shared such info before ! )
- SMSs usually contains some lucrative offers with ‘ending soon' tag
- Emails comes with same official banner but Emails ID usually are FAKE.
- You may get calls asking you to send OTP for activating some limited time offers
There are a large number of scam process are being used to gather users data. Banks are not always responsible for all these calls or SMS. We personally gives information to certain person or services (Online/Offline) without knowing the fact that how these data would be shared (Reading Policy is must before showing interest)
With the help of few simple steps anyone can avoid loss of credential information even can get rid of banking scams.
10 Methods to stop fraud Calls & SMSs
Fix 1 # Most of the banking calls are recorded for monitoring & improving purposes so do not share any immutable information over calls.
Fix 2 # Always remember bank will never ask you to deliver any personal & baking information such as DOB, Banks ID, PIN, CVV etc. to any of its representatives For valid reason, Bank may setup a schedule call and aks you to provide some of personal info already registered with your bank account only if you place some order or service yourself.
Fix 3 # If you get calls from someone threatening you to send banking details ask him/her politely to mention last four digit of you bank ID or alternative Mobile number or first few characters of registered mail id – Only valid & official representative will have some access to your banking details.
Fix 4 # If you think calls are valid note down Caller details like Name, mobile number from where he/she is calling and politely ask him/her to schedule another calls after few hours – During these session check back info with your bank by physically visiting nearest branch or, Checking ‘Offers' section via official Bank website or mobile app if you are using Internet banking service from respected bank. You may deny further calls if services have already activated via offline or online methods.
Fix 5 # Bank will usually approach persons having healthy balance history for loans & Credit cards. If you need any of them visit nearest bank branch and aks them to provide proper details – You would get some service calls from that articular branch or banks – These process makes you free from getting any fraud calls.
Fix 6 # You may also visit official Bank website and schedule a call for Loans or Credit card. You may get some official calls from multiple support branches of respective bank. Note down the number for future helps.
Fix 7 # Do not register you Name, Mobile & Emails ID from anywhere else because this would start the nightmare : Once you register you are actually signing the ‘terms & Conditions' for sharing personal data over various channels.
Fix 8 # All banks provide mobile banking facility which helps customers to get instant banks usage details – If you found anything wrong use mobile banking to check current bank balance and lodge a complaint within 24 hours.
Fix 9 # Visit respective official bank website and search term ‘Mobile banking' : Most of the banks website offers both English & Hindi version of same page > once you get info read them carefully. Using same way you can also find Bank Customer care numbers – All banks add a ‘Customer Care' link on its Homepage.
Fix 10 # Do not clicks mails taunting you to grab certain bank offer : Most of such offers usually comes from non-official campaign – Check ‘reply from' details carefully before opening any of such mails – for anything wrong be sure to tick them as ‘Spam mail'.
These are some single steps to safeguard you financial information and prevent fraud access to personal data. There are a number scam processes are being used to steal banking & financial information – Reading banking ‘Terms & conditions' & ‘Help page' will always help to make processing safe & scam-proof.
Help page from some Bank sources:
If your bank is not listed above please visit office bank page (Check passbook to get official bank website details) and check help page to know more about how to safeguard your financial details.
If you found any suspicious activity disconnect fraud call and then connect official bank phone helpline number to lodge a complain or request to know whether any such activities had happened before in your bank account or consult how to secure your transactions or why this happened.