Many different methods are used for fraudulent transactions made through the internet. If you face with such a fraud attempt, we recommend you to read below given information in order to become aware of this situation.
IMPORTANT NOTICE
In order not to get exposed to fraudulent attempts; do never disclose your personal and financial information, such as;
- Your mother's full maiden name,
- Your credit card and/or bank card passwords,
- Credit card security number,
- Internet Branch password,
- Internet Branch one-time login and transaction pin codes
to anyone including TEB personnel even if requested. TEB never asks for your personal information or passwords by e-mail. Do never click on any link included in this and this type of e-mails and do never share/provide your personal information.
Information such as Turkish Identification Number, cell phone brand/model, cell phone number or mother's maiden name is not asked in the internet branch login page. If you face with any screen/page similar to those given below which requests this type of information, you should never login and call 444 0 666 TEB Phone Branch.
Common Methods Fraudsters Use
1. Zeus Virus
The virus installed on your computer by the fraudsters directs you to a page very similar to the internet page of your bank and asks you to enter the information you use when you login to the internet branch. Your one-time password is also captured by the fraudsters through a software program sent to the cell phone you disclosed on this screen and they attempt to conduct transactions on your name by using this information.
In order to protect yourself from this method, you should never login to teb.com.tr by clinking on any link. Always initiate your login by typing www.teb.com.tr to the address bar of your browser. In addition, if you become aware of any suspicious change in the internet branch login page, please do not enter any information and call 444 0 666 TEB Phone Branch.
Furthermore; we recommend you
- to always have an up-to-date antivirus program,
- to deploy firewall solutions,
- to use licensed software, and
- if you receive an e-mail with an attachment, especially from someone you do not know, scan them for viruses before you open them, and delete the email without opening it if you condiser it insecure.
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2. Persuasion Tactics
It is a fraud method where people you do not know contact you by phone and try to get information/gain from you through convincing talks. The persuasion tactics heavily used by the fraudsters are as follows:
- They introduce themselves with important titles such as Member of The Police Force, Deputy Governor, District Governor, Lieutenant, etc. and ask you to wire money to the accounts they give or send cell-phone counters. They use various forcing and threatening methods to get hold of you over the phone for the period until you fulfill their demands.
- They ask you to wire money to the accounts they give by telling that your account details and identity information have been captured by the organization or your SIM card has been duplicated and used by the organization. They use various forcing and threatening methods to get hold of you over the phone for the period until you fulfill their demands. In some instances, they also try to persuade you by stating that “all your acts are tracked through satellite” or “money has been transferred to your account from the discretionary fund”.
- They tell you that they are calling you from the bank and ask your card details (card number, pin code, etc.) and personnel information. In some instances, they may recall the customers whom they have defrauded before and make another fraudulent attempt by saying “we call you for your card objection”.
- They send SMS messages stating that “YOU WON A PRIZE” (for example: sports gear, watch, money award, etc.) and ask you to make a prepayment to deliver the prize.
If you face with such type of information and gain demands through this way or similar methods, it is of extreme importance that you should ignore these demands in order not to be a fraud victim and make an application to the nearest police station immediately.
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3. ‘Phishing’ Method
Phishing is a fraud method with an attempt to gather identity, mother’s maiden name, pin code, password, customer number, credit card number and similar sensitive personal information or information of your institution. The fraudsters create a "look-a-like" website that is designed to closely resemble the target financial institution’s official site. Finally, they send a fraudulent e-mail disguised as an official request for information from the targeted company. In general, they inform you about a system work or a similar structure change or about a certain problem which require you to enter your personal information. Clicking the links included in these e-mails may cause you to get directed to the fake website instead of the official site of the institution in which you hold your account.
To protect your assets against the phishing attempts, you should enter the URL of the institution's website into your browser's address bar.
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4. Key-Logger, Screen Logger, Trojan
Key-logger programs are developed to detect the keys you used in your keyboard; Screen Logger programs are developed to capture your screen activities; and Trojan programs are developed to have a remote access of your computer. They are transferred to your computer generally through progies attached to e-mails, downloads made on chat rooms without your knowledge and other similar ways.
Furthermore; in order to protect yourself agaist these programs, we recommend you
- to always have an up-to-date antivirus program,
- to deploy firewall solutions,
- to use licensed software, and
if you receive an e-mail with an attachment, especially from someone you do not know, scan them for viruses before you open them, and delete the email without opening it if you condiser it insecure.
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5. Advance Fee or 419 Fraud
419 fraud is a criminal activity which is based on section 4-1-9 of the Nigerian penal code. The scammers who send the message introduce themselves as a doctor, lawyer, high-ranking bureaucrat or as a solder or the children of these people and try to establish a trust relation. Form of fraud is limited by the imagination of the scammers; and there can be many different versions of this scam. In the message it is claimed that there are millions of dollars in cash or valuable goods which they can not use due to the laws of their country which they live in or due to some other reasons, but can only become usable by transferring them abroad through establishing a financial partnership. They offer you a return guarantee so far beyond the fee you paid in case you accept this financial partnership. They may also go to extremes and tell that they are cooperating with Nigerian Central Bank. You are asked to provide your personal and banking information and contact details. This type of fraud attempts not only cause financial losses but also lead to crimes such as kidnapping and murder. Not to respond these emails, letters or fax messages are the easiest way to protect yourself against this crime.
There are also other fraudulent attempts aiming to get your personal information other than receiving money by claiming to offer great opportunities through various channels including phone calls. Some of these frauds are Ponzi method, Piramid technique, Prime Bank Note (creditable bank guarantee).
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