{"id":48931,"date":"2024-03-04T17:00:00","date_gmt":"2024-03-04T16:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=48931"},"modified":"2024-03-04T17:02:55","modified_gmt":"2024-03-04T16:02:55","slug":"can-trust-call-from-your-bank","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/can-trust-call-from-your-bank\/","title":{"rendered":"Can you trust a call from your bank?"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Cybercriminals use Caller ID Spoofing to call you simulating your bank&#8217;s phone number to steal money from your account.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Police reports to the <\/span><a href=\"https:\/\/e-noticies.cat\/societat\/avis-mossos-esquadra-nova-estafa-phishing-bbva\"><span style=\"font-weight: 400;\">Mossos d&#8217;Esquadra<\/span><\/a><span style=\"font-weight: 400;\"> and the <\/span><a href=\"https:\/\/www.interior.gob.es\/opencms\/es\/detalle\/articulo\/La-Policia-Nacional-detiene-a-207-personas-por-defraudar-mas-de-830.000-euros-mediante-la-comision-de-estafas-bancarias-online\/\"><span style=\"font-weight: 400;\">National Police<\/span><\/a><span style=\"font-weight: 400;\"> are multiplying from victims of a telephone scam that has become popular in recent months. Using the technique of Caller ID spoofing, <\/span><b>cybercriminals simulate the telephone numbers of customers&#8217; banks and gain their trust<\/b><span style=\"font-weight: 400;\"> until they obtain all the information they need to access their accounts or make transfers to fraudulent accounts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The ID Spoofing method is analogous to SMS Spoofing and consists of changing the caller ID or phone number. Cybercriminals use <\/span><b>virtual switchboard software easily available on the internet to spoof bank phone numbers<\/b><span style=\"font-weight: 400;\"> and impersonate bank staff.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From here on, there are different variations of the same scam. As a general rule, <\/span><b>criminals pose as agents of the bank&#8217;s fraud department investigating fraudulent transactions <\/b><span style=\"font-weight: 400;\">and pressure customers to block their accounts if they do not follow the given instructions. From communicating that the client has misconfigured one of the options on their current account and could be the victim of a scam, to alerting them that they have been the victim of a fraudulent operation and that they have to block the account or authorise a transfer.<\/span><\/p>\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@laia814\/video\/7291416818663705889\" data-video-id=\"7291416818663705889\" data-embed-from=\"oembed\" style=\"max-width:605px; min-width:325px;\">\n<section> <a target=\"_blank\" title=\"@laia814\" href=\"https:\/\/www.tiktok.com\/@laia814?refer=embed\">@laia814<\/a> <\/p>\n<p>ESTAFA BANCO SABADELL. URGENTE AYUDA PORFAVOR <\/p>\n<p> <a target=\"_blank\" title=\"\u266c sonido original - Laia\" href=\"https:\/\/www.tiktok.com\/music\/sonido-original-7291416891569392416?refer=embed\">\u266c sonido original &#8211; Laia<\/a> <\/section>\n<\/blockquote>\n<p> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>How to protect yourself from these scams<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The key to protecting yourself from any kind of scam is caution. Banking institutions insist that we should <\/span><b>be wary of any unexpected call from the bank and not provide confidential information <\/b><span style=\"font-weight: 400;\">such as electronic banking credentials, card details or other means of payment or information (name, ID card number, date, and place of birth, etc.) that would allow anyone to impersonate us.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the specific case of a suspicious request via a phone number that supposedly belongs to the bank, it is recommended to <\/span><b>hang up and contact the bank&#8217;s customer service number to confirm that it was a legitimate call.<\/b><span style=\"font-weight: 400;\"> On the other hand, you are urged to access electronic banking exclusively from the bank&#8217;s app, but never from links in text messages or e-mails.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Likewise, <\/span><b>do not trust offers or promotions that seem too good to be true.<\/b><span style=\"font-weight: 400;\"> If in doubt, you can always contact the bank or company through their official channels.<\/span><\/p>\n<h3><\/h3>\n<h3><b>How to make a complaint<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In case of unauthorised transactions on your bank account. First, <\/span><b>change your passwords for all online services and make a complaint to the financial institution&#8217;s Customer Service <\/b><span style=\"font-weight: 400;\">or Customer Ombudsman. You can do this using the official complaint form or by calling the free telephone number for incidents and complaints, asking for the reference number corresponding to your complaint.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the same time, you can file a complaint at a Mossos d&#8217;Esquadra police station. Still, there<\/span><b> is little chance of finding the person directly responsible for the crime<\/b><span style=\"font-weight: 400;\"> because it is often a matter of criminal groups or criminals outside the national territory.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have yet to receive a response from the bank within 30 days, or if the response is not satisfactory, contact the consumer <\/span><a href=\"https:\/\/eur03.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fconsum.gencat.cat%2Fca%2Flagencia%2Forganismes-de-consum%2Fla-teva-oficina-de-consum%2F&amp;data=05%7C01%7Cxavier.baquero%40gencat.cat%7C62cfb2ceb8e44d16753808da53774edb%7C3b9427dcd30e43bc8c06ff7253676fec%7C1%7C0%7C637914069125817318%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=LR5iXxyBthqGunlhU0lzuml7KpDMi4Weha2z9IJCNVE%3D&amp;reserved=0\"><span style=\"font-weight: 400;\">office<\/span><\/a><span style=\"font-weight: 400;\"> in your municipality. <\/span><b>If the bank does not reimburse you for the amount fraudulently withdrawn or the mediation is unsuccessful, you can go to the <\/b><a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/consultasreclama\/comorealizarrecl\/\"><b>Bank of Spain<\/b><\/a><b> or to the <\/b><a href=\"https:\/\/eur03.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fseujudicial.gencat.cat%2Fca%2Fque_cal_fer%2Forientacio_juridica%2F&amp;data=05%7C01%7Cxavier.baquero%40gencat.cat%7C62cfb2ceb8e44d16753808da53774edb%7C3b9427dcd30e43bc8c06ff7253676fec%7C1%7C0%7C637914069125817318%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=rFX6Hv3aSG%2FgwsYmwRnb92Z0Gs33Zd4W%2BEm6fb%2F2sMI%3D&amp;reserved=0\"><b>courts<\/b><\/a><span style=\"font-weight: 400;\">. Remember that if the amount of the claim does not exceed 2,000 euros, you do not need a lawyer or solicitor. You can find more information <\/span><a href=\"https:\/\/consum.gencat.cat\/ca\/detalls\/noticia\/Consells-pesca-fraudulenta-dades-bancaries\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>11Onze is the community fintech of Catalonia. Open an account by downloading the app El Canut for <\/b><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.e11onze.app&amp;utm_source=emailing&amp;utm_campaign=CANUT+launch\"><b>Android<\/b><\/a><b> or <\/b><a href=\"https:\/\/apps.apple.com\/us\/app\/11onze\/id1566129237?utm_campaign=El+Canut\"><b>iOS<\/b><\/a><b> and join the revolution!<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>If you liked this news, we recommend:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/eurozone-banks-lose-millions-mismanaging-it\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2023\/11\/THUMBNAIL_Gestio_Banca-800x533.png\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Technology<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Eurozone banks lose millions mismanaging IT<\/strong><\/p>\n              <span class=\"card-time\">3 min read<\/span>\n              <p class=\"card-text small\">The European Central Bank identifies fundamental&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/how-protect-ourselves-online-scams\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/06\/THUMBNAIL_ESTAFES_ONLINE-800x533.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Finances<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>How to protect ourselves from online scams<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">Every year, there are millions of people around the&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/virtual-cards-secure-purchases\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/07\/THUMBNAIL_TARGETES_DIGITALS-800x451.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Technology<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Virtual cards for secure purchases<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">Virtual cards are the main method of online&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":48923,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"content-type":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-48931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can you trust a call from your bank? 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