What is vishing, this diabolical scam that wreaks havoc and worries the authorities – MSteka

What is vishing, this diabolical scam that wreaks havoc and worries the authorities

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There are the scams, by email, by SMS… but also those when you pick up your phone. Is your bank number displayed? On the line, a person claiming to be a banking advisor. Formidable.

This very well-crafted stratagem has a name, the “ vishing », and a gendarme from the North explains, in this month of February 2024, that he himself was a victim.

This is what the Hazebrouck gendarmerie company relates in particular, on its page Facebooklaunching a call for vigilance:

“You are the owner of bank card number…”

The police detail the sequence of a call: “Hello, I am Mr. X from the anti-fraud service. You are the owner of bank card number XXX. I see that suspicious transactions have been spotted on your account. But fortunately, they were blocked. We will check together whether you want your account and your bank details and proceed to block your bank card.”

By displaying the authentic telephone number of the victim’s bank on the victim’s smartphone, the scammers succeed in immediately gaining confidence.

In reality, the “gentleman” in question bought your details on the darknet (overlay networks which are on the internet but which cannot be accessed without special software, to repeat) in an attempt to empty your bank account.

At this moment, when the (false) advisor is giving his speech, we must “hit”, rebuke the gendarme. And remember that you must, “under no circumstances”, provide your banking information, and even less “your identifiers” and even “less so, less your password”.

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“The information used by the scammer may have been obtained through phishing”

Faced with these insistent and persuasive scammers, the best thing is to hang up and contact your advisor yourself.

Generally, the scammer calls the victim or encourages them to contact him and presents himself as an advisor or agent of the anti-fraud department of his bank. He has a lot of information about her to make his scam credible: identity, address, bank card details, even account number, etc. In some cases, he even usurps a telephone number from his bank.


“The information used by the scammer to target the victim and make his scam credible could have been obtained in different ways: phishing (Editor’s note: or “phishing” which consists of obtaining from the recipient of an email, apparently legitimate, that he transmits his contact details), account hacking, password-stealing virus on one of the victim’s devices (computer, telephone, etc.), etc. », Lists the site Cybermalveillance.gouv.fr, specializing in digital threats.

“Immediately stop your bank card in the event of a call”

And then, on the phone, he asks the victim to communicate codes that he receives by SMS or has him confirm actions on his banking application.

“These codes or confirmations actually allow the scammer to validate fraudulent operations on the victim’s accounts: purchases by bank card, adding a beneficiary and transfers…”, warns the digital security assistance and prevention site , which lists some tips:

An advisor from your bank will never ask you to communicate your password, confirmation codes or to carry out validation or cancellation actions on your banking application for supposed fraud in progress on your accounts. .

  • Be wary of alarming calls or messages (SMS, etc.) that appear to come from your bank informing you of fraudulent transactions on your accounts.
  • Check the information for yourself by contacting your bank using your usual means (branch, bank advisor, customer service, messaging in your customer area or banking application, etc.).
  • Do not under any circumstances validate operations which you are not at the origin of, even if your interlocutor pretends that they are being cancelled.
  • Immediately stop your bank card in the event of a call from a false advisor, and even more so if fraudulent purchases have been made with your bank card, to prevent any subsequent malicious use. Your bank’s opposition telephone number can be found on its website and on its ATMs. You can also contact the interbank credit card opposition server by telephone at 0 892 705 705 (premium rate number), service open 7 days a week, 24 hours a day.

Victim help numbers

And if the scammers have accessed your online banking account or you suspect, change its access PIN/password as soon as possible or ask your bank to reset it. And file a complaint! Your bank may require a copy of your complaint to process your request.

Keep evidence, including telephone numbers, messages or emails you received, transfer orders, payment records or any other information that could be used to report the scam to the authorities.

You can be supported free of charge in this process by an association of France victims at 116 006 (free call and service), victim assistance number of the Ministry of Justice. Service open 7 days a week from 9 a.m. to 7 p.m.

To be advised in your efforts, contact the Info scams platform of the Ministry of the Interior on 0 805 805 817 (free call and service). The service is open from 9 a.m. to 6:30 p.m. Monday to Friday.

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