As scammers are becoming smarter, we too should get wiser

[Btcdeybodi]

Apparently, this is a familiar scam where a fraudster will send money to your FINTECH bank account and call you through the phone number pretending that he made a wrong transfer then afterwards proceed to send you another account details for you to return the money. We already know the motive of this which is when the person they defrauded wants to track the account that was used, it will show your name and phone number. We advised that you shouldn't make the mistake of sending the money to a different account number different from the one that was used to send money to your account.

Let me now go straight to my reason for creating this thread, stop using your phone numbers as account number on FINTECH banks, they have business accounts that you can copy and use for transactions. Giving out your number to numerous people that you did transactions with is very dangerous because scammers can use that number to target you, send you phishing links and scam you.

Due to the recent payments made by NERSI to some selected and eligible numbers, scammers have been using it as an opportunity to send phishing links to many people including me but I wonder how they were even able to get my phone number. I know that some scammers do send phishing links to random numbers they just manipulate from their brain but it could also be that they used numbers of people who they have done transactions with in the past using FINTECH bank. Please let's be informed and avert anything that will leak our personal data to scammers.

[DubemIfedigbo001]

We advised that you shouldn't make the mistake of sending the money to a different account number different from the one that was used to send money to your account.

That's right, you should only send funds back to the account that made the mistake, sending to a third party makes you an accomplice. Adding to this, people are advised to visit ISP main office and not to patronize road side sim registration providers anymore since most of the registrations they(rosdside agents) claimed failed was successful, but they sell those sim cards bearig your details to scammers and implicate you when they use it to defraud or kidnap people. The police advises that we take our NIN to ISP main offices and verify that our SIM is not linked to any line we're not aware of.

Due to the recent payments made by NERSI to some selected and eligible numbers, scammers have been using it as an opportunity to send phishing links to many people including me but I wonder how they were even able to get my phone number.

You've done KYC numerous times, so your details can be sold to scammers by the platforms that have them. Most scammers are former employees of fintechs and banks who have made out with clients KYC data. I've worked with loan sharks in Nigeria before and seen they have little or no protection for KYC data from being abused by IT personnels.

[Decimetre]

Scammers are always very innovative and calculative. They are seen to be one step ahead but this depends on how smart you are because any new format go cast one day. If you no smart, they go scam you with old format. Na mostly fraudsters and kidnappers dey use that format.

When you are in this kind of situation, you should tell the person that you will send it back to the account that sent you the money and if the account wey the person send you no match with the sender's account, no send am.

One thing wey you go first do na: No rush go bank to confirm the transaction, instead first enter police station go make entry before you go enter bank if not they fit come arrest you for bank for wetin you no know. These kind things dey happen once once but na to dey use number six dey follow things.

[coinlary]

Some bank employees also collaborate with these scammers. They sell your details to them and work with them to facilitate their scams, so these cases do involve insiders.

It's an old trick but still works because of how the country is entirely, most people till today still remain uninformed.

The only trick ever played on me was an SMS message with a ready-to-install application attached, but that was years back. I'm not sure if that's possible with SMS anymore, but  i never fell for it anyway.

[Cossyblack]

Apparently, this is a familiar scam where a fraudster will send money to your FINTECH bank account and call you through the phone number pretending that he made a wrong transfer then afterwards proceed to send you another account details for you to return the money.

I had a similar experience where someone sent me N600 to my Opay, and immediately he started calling me on WhatsApp, phone call and sending me messages that he mistakenly sent me N600 and that I should please refund the money back, when I asked him to forward his account number to my DM on WhatsApp, instead, he forwarded a different account number entirely that didn't match the name of the previous account he had use to send me the N600. It was from that moment I suspected a foul play. To cut the long story short, I insisted he send the same account number he used to send the N600 but he refused and I blocked him ASAP.

We already know the motive of this which is when the person they defrauded wants to track the account that was used, it will show your name and phone number. We advised that you shouldn't make the mistake of sending the money to a different account number different from the one that was used to send money to your account.

Honestly, I didn't know that guy had such a motive but thankgod,I didn't agree to his request otherwise I would have been in a big trouble in the future. People could make a mistake while trying to send money to someone, but that guy case wasn't a mistake, he intentionally sent me that money and pretended it was a mistake. Na God save me,I for don't enta problem whey I no bin no anything about.