Valeria, an employee in her thirties, is extremely careful with her personal information. You never answer calls from numbers you don’t know. However, it was precisely with one from Citibanamex that his ordeal began. Confident of seeing the bank ID on her phone, a young lady informed her that there were charges and transfers from her account and asked her for help in canceling them. But it was all a fraud.
What Valeria lived is a case of spoofing; that is, through software, criminals pretend that they are calling from a bank. Thus, they make the identification of the call with the name of the bank in which the victim has an account and commit the fraud.
In other words, it seems that the call is made by bank personnel from the lines of that institution. They even have victim data such as full name, email and even access to account details. With tricks, they make the victim provide them with information such as passwords and PINs. With that data, they empty the cardholders’ account.
Since mid-October, Valeria has been trying to get her money back. “I called customer service and they gave me two pages that are still in the process of being solved. It has been quite exhausting because I have gone to the bank, I have made several calls to know when they will give me the refund, “he said.
Since January, Citibanamex has had a campaign – together with Facebook – to prevent fraud. Also, on radio and in its branches, it reports that it does not communicate directly with its customers.
However, many people fall for this deception. The most current data from the National Commission for the Protection and Defense of Users of Financial Services (Condusef) indicates that it received 62,000 reports of possible fraud.
The different types of fraud that the Association of Banks of Mexico (AMB) identifies are:
“Spoofing has been possible for many years, but it has become more common for theft of bank data. It would be difficult for it to be an internal job since banks record all or almost all external calls to monitor the service ”, explained Manuel Rivera, CEO of NEKT Group, a cybersecurity company.
In this regard, Gastón Huerta, Citibanamex fraud prevention director, told Business Insider Mexico that fraudsters are part of organized crime. But they are also “users of electronic banking who study to scam people,” he said.