Fraud executed by physical or digital means constantly threaten the economy of citizens. Criminals use different ways to defraud them, including the exchange of cards, the freight or the sending of false emails or text messages.
Also the social networks are used by the friends of the alien, who seek to obtain sensitive financial information from their victims, such as users, passwords, card numbers and expiration dates or security codes.
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This is also the goal of the identity fraud (spoofed emails), smishing (fake text messages) and the wishing (false calls), tricks with which criminals induce citizens to hand over personal or bank details.
Financial entities emphasize that Confidential information should not be disclosed nor access links from suspicious emails.
In the face of frauds such as those described here, Bancolombia recently published some recommendations so that you are not scammed by unscrupulous people:
• Do not click on links in suspicious or unusual emails that invite
identify themselves as customers. If you do and you are asked for a username and bank password,
forward it to the mailbox [email protected] and close immediately.
• Do not download files or programs that come from unknown sources
on their devices (computer, cell phone or Tablet). Always look for official sites
such as Play Store or App Store to make your downloads.
• Keep a licensed antivirus installed and update it.
• Use the protection mechanisms offered by financial institutions, such as
alerts and notifications, protected identity, dynamic key and caps on values
of transactions, among others.
• Change your primary password frequently and never use numbers associated with your
personal information (such as your birthday), or repeat combinations
Facing fake calls, or wishing:
• Do not give any data. They will tell you that they already know that
information, but they need you as a user to confirm it.
• The criminals claim to represent alleged alliances of large companies
of the financial sector or that are related to it.
• To them (the scammers), you are always a customer worthy of gifts
or benefits, and they are offered by phone supposedly only for “Confirm
the information of its financial products”. Be alert.
• The language used by the supposed adviser, the way in which he expresses himself and responds to
your concerns will help you identify this type of fraud. Normally,
Criminals do not use good language and are impatient with questions from
users, as they feel exposed.
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Finally, to avoid card swapping and shipping, Bancolombia recommends:
• Never get help from anyone at the ATM: criminals can
Take the opportunity to see your password and change your card for a false one.
• Check that there are no people around you and cover the keyboard with your hand to
type the key.
• Change the primary password frequently and never use numbers associated with your
personal information, or repeat number combinations.
• Your card is personal and non-transferable. Never lend it to anyone or lose sight of it
when you are making your purchases or payments.
• Your card’s chip stores all of your card information. Therefore, when you receive a
new card must personally destroy the chip of the old card.
• Your card number, security code and expiration date are data
confidential that must be protected and should only be used when carrying out
purchases or payments.
• When making transfers or payments through QR Code, validate with the merchant
that the name and number of the account do correspond to the merchant. So you can avoid
fraud by impersonation of QR Code.
• Remember that Bancolombia only accepts cash in the cashier areas.
physical branches. In the event that a person identifies himself as an official
bank and offer to expedite the consignment or payment in cash at the branch, it will not
hand over the money and immediately report it to an office official.
• Avoid withdrawing large amounts of cash. Use other means, such as
transactions through digital channels. For example, bank applications are
easy to download on your cell phone, and allow you to send and receive money from any
place without putting yourself at risk.
• If it is essential to withdraw a large amount of cash, remember that the
The National Police offers an accompaniment service to the citizen. Enough with
call 123 and ask for the service. Also, the bank clerk is in the
obligation to ask if you want this accompaniment. Ask for support.
• Remember that, regardless of the amount, you always have the possibility to request
the issuance of a cashier’s check with the necessary restrictions or stamps to
that can only be consigned to the beneficiary’s account or exchanged only by the
person who should receive the money.