A complex cyber fraud scheme has emerged in Pune. Scammers are targeting bank customers, leaving them with unexpected loans of lakhs of rupees. They pose as officials from well-known courier companies, the police, or the Narcotics Control Bureau. Then, they trick victims into revealing sensitive banking details.
How the Scam Works: Posing as Courier Officials
Senior Inspector Suresh Shinde from Pune’s cybercrime cell explained how fraudsters operate. They pose as agents from a well-known courier company. Then, they falsely claim a victim’s parcel contains illegal items. Next, they trick the victim into sharing important banking information, like internet banking details and card numbers, under the pretense of needing to verify something.
Instant Loan Fraud: A New Twist in Cyber Scams
Scammers first get the victim’s banking details. Then, they exploit the bank’s instant loan feature. A senior cybercrime official stated, “They apply for loans up to Rs 20 lakh using the bank’s platform.” The loan is swiftly approved and sent to the victim’s account.
Convincing Victims to Transfer Funds
The fraudsters trick the victim into believing their account funds are fake. They then instruct the victim to move the money to another account, claiming it’s for helping authorities. After the transfer, the victim is stuck with the loan debt, and the fraudsters vanish.
Banks Hold Victims Responsible for Loan Repayments
Since the loans are processed through legitimate digital channels, banks hold the victims responsible for the repayment of the substantial amounts. This has left many individuals suddenly facing overwhelming loan debts.
Cybercrime Expert’s Warning: Be Vigilant
Forensic cybercrime expert Shweta Chawla highlighted the scam’s seriousness. She said, “This cyber fraud is cunning. Fraudsters make victims think they’re working with the police, then leave them with huge bank debts. We urge everyone to stay alert. Never share sensitive information, like OTPs or bank passwords, over the phone.”
Steps to Protect Yourself from Cyber Fraud
Pune’s cybercrime officials have urged citizens to be extremely cautious when receiving suspicious calls. They advise:
- Never share banking details, passwords, or OTPs with anyone over the phone.
- Report any suspicious calls to the cybercrime helpline immediately.
- Verify the authenticity of calls claiming to be from courier companies or authorities.
By staying alert, you can protect yourself from falling victim to this growing cyber threat.
