Stuck for money, went to borrow money and immediately got scammed and had my account emptied

Lost money before borrowing it

On the morning of June 12, Ms. YP (Da Lat City) was shocked when she was scammed out of 5 million VND, but was even more worried because she did not know if she would be asked to pay the debt again.

The thing is, Ms. YP needed money, saw a photo of MB Bank on Facebook so she went to see the information. Seeing the link https://taichinhivn.com, she clicked on it to register for a contract of 20 million VND.

When the loan was approved, the consultant advised her to withdraw money from the company's e-wallet. She did so and received a message saying the account number was incorrect. To be able to edit the data, the consultant asked Ms. YP to go to the company headquartered in Ho Chi Minh City or transfer 5 million VND to them so they could correct the loan information. Because she was in a different province, Ms. YP chose to transfer 5 million VND to the wallet.

Kẹt tiền, đi vay vốn đụng ngay kẻ lừa đảo - Ảnh 1. — Fraudster impersonates bank employee to steal money

When the information was edited, the amount in the wallet increased to 25 million VND. When Ms. YP withdrew 25 million VND, the system reported that the withdrawal amount exceeded the limit in the loan contract and the account was frozen. At this time, the consultant instructed Ms. YP to transfer 50% of the amount in the e-wallet, which was 12.5 million VND. At this time, Ms. YP realized that she had been scammed.

"I have completed the loan contract procedures but have not received any money. On the contrary, I transferred 5 million VND to them. This afternoon, they texted me asking if I had received the money. I am afraid they will use this to collect and collect the debt. I have taken pictures of all the information exchanged so that I can report it to the police," said Ms. YP.

Another case of being scammed out of a large sum of money when registering for a loan on social networks. Ms. TN (director of a private company based in Ho Chi Minh City) also just lost about 35 million VND due to this type of scam.

According to Ms. TN, through the social networking site Facebook, Ms. TN clicked on a page with the Vietcombank logo (later found out that the page was a fake bank) to send a message: "My company needs a loan. Can you support me? I want to borrow 200 million VND". The other side replied: "Please contact and add Mr. Pham Thanh Phong as a friend on Zalo. After finding out that a person named Pham Thanh Phong on Zalo had an employee card number and photos taken with leaders at a Vietcombank conference, Ms. TN trusted and proceeded with the loan procedures.

Kẹt tiền, đi vay vốn đụng ngay kẻ lừa đảo - Ảnh 2. — Scammers block calls and messages on phones after scamming people out of money

When making the contract, Phong asked Ms. TN to provide her account number and card code to facilitate the transfer of money into the account. Then, Phong informed her that there was a contract code sent to her phone number and asked her to text back. At this time, Ms. TN did not know that it was an OTP code, so she followed the instructions. Immediately, Ms. TN's account was deducted nearly 35 million VND, leaving only over 100,000 VND. After questioning Phong why the money was deducted from the account, Phong explained that it was a consumer loan so it had to be like that. After that, Phong sent the contract and asked TN to transfer an additional 16 million VND in insurance premiums. At this time, TN did not agree to borrow and asked Phong to transfer back all the money previously transferred. Immediately, Phong "disappeared", blocked Zalo, phone calls and deleted all the information exchanged. Ms. TN then called Vietcombank's switchboard to lock her account and block transactions.

Take care to protect personal information

In the face of fraudulent tricks to appropriate people's money, a series of banks have continuously warned customers recently. Mirae Asset Finance Company (MAFC) has just issued a warning about the phenomenon of taking advantage of the high demand for loans of many individuals and small businesses, criminals have impersonated banks and financial companies to lend money online, with very low interest rates to commit fraud. Fraudsters create thousands of Facebook accounts with fake information sources, participate in groups, forums, post advertisements for unsecured loans with low interest rates (only 1%/month), simple loan procedures, no need to meet in person; bad debt can still borrow; no mortgage, no appraisal, only need ID card or Citizen ID and have a bank account/ATM card to be able to borrow money...

When a borrower approaches, the subjects will lure and ask the borrower to provide personal information to prepare a loan application. During the application process, errors will occur and the loan cannot be disbursed. From there, they will ask the borrower to pay additional money to secure the loan or fix the system error; promising to refund the amount sent to the customer after the loan is disbursed. However, when the borrower transfers money to the account number provided by the subjects, the subjects will immediately appropriate it and cut off contact.

With the above sophisticated fraud tricks, the victims not only lose money but also lose all personal identity information, potentially risking continued exploitation for other illegal activities, such as registering SIM cards that are not in their name, registering to open bank accounts, e-wallets for fraud, money laundering, online betting, etc.

Faced with sophisticated fraud, MAFC said that there are many complex developments in cyberspace, people need to proactively raise their awareness of fraud and property appropriation. When in need of a loan, they should contact credit institutions and bank branches directly for advice and guidance on loan procedures. When customers discover impersonation or fraud and property appropriation or are impersonated or fraudulently appropriated, they should promptly report to the nearest police station.

According to Agribank , customers need to be vigilant against loan offers from individuals, requests to be friends on Facebook, Zalo, requests to transfer money in advance, fees, deposits... Customers absolutely must not provide personal information, account information, card security information, electronic banking service information to anyone, not even bank employees.

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