"This is a notice from ○○ Bank.… This is a guide to the'Government Support Special Loan Products' scheduled to close in February 2021. Please read the details below and contact us…."
If you receive a text like this, you should first suspect a fraud.
It's a good idea to hit'delete' or'report spam' right away.
When you call the number, they recommend additional loans or loans, and they often ask you to pay a certain amount in advance to proceed with the procedure, or to connect to a specific Internet address (URL) and then disclose your personal information.
As such, loan scams that exploited the desperate circumstances of self-employed people and financially troubled people in the wake of the Corona 19 crisis are still ramping up.
In particular, there are many cases where the government abuses the support of small business owners with policy funds and mobilizes phrases such as “government policy fund support,” which raises concerns about further damage.
In the Internet community where self-employed people usually visit, you can easily find articles asking "Is this real?" or "Is it voice phishing?", saying that you recently received a phone or text message from a bank pretending to be a bank.
There are also a number of articles that share experiences and call for attention, saying, "I've been hit too".
An official from the Financial Supervisory Service said today (1st), "Since there are many people who are vulnerable to Corona 19, the number of cases of damage from loan texts pretending to be financial institutions is increasing." The same."
To start with, banks and other financial institutions do not first randomly send loan solicitations or text messages.
Even if the loan-related text is occasionally received, it is limited to follow-up purposes such as providing information on the extension of the maturity of the existing loan.
A commercial bank official said, "Because it is not possible to know whether a loan is possible before screening, we do not send a text message in a batch." "You can see it," he explained.
An official from the Financial Supervisory Service also said, "Banks often send product information text messages to customers for publicity purposes, but the text is strictly managed with the approval of the compliance department at the headquarters." It is limited to customers," he emphasized.
These fraudulent letters are often not written correctly from the name of the financial institution or lead to excessively low interest rates.
Since the actual availability of loans is unknown, you should be more suspicious if there is a phrase that tells you how much money can be borrowed and what interest rates are.
In particular, cases of impersonating the name of a branch office worker at a specific bank have also been confirmed.
Special attention is required as a fraudster is selling the name of a real bank officer.
If you notice the damage after paying the money, you should immediately call the financial institution call center or the Financial Supervisory Service call center (☎1332) to request suspension of payment and request damage relief.
(Photo = provided by reader, Yonhap News)