Virtual shopping has become a great solution for Internet users who want to buy products without standing in queues and from home; Similarly, it opens up the possibility for users to get any item shipped to their doorstep, wherever they are in the world.
Transactions seem simple, as there are platforms designed for this that have security filters that guarantee the user keeps their bank information and funds safe.
One of them is PayPal, a world-renowned application that provides businesses and customers with peace of mind when closing a virtual business; However, cyber criminals have found some ways to trick users into thinking that they are safe and thus steal their money.
These are some malicious sites that offer products with very attractive discounts to attract the attention of the customers and get hit while making the payment; Users transact, receive a notification that the product will be delivered a hundred times, but in the end it never arrives.
When victims review transaction details, they learn that they did not make payments, but instead donated to cyber criminals’ accounts, a reason that prevents them from claiming PayPal, because of that company’s policies. One of them is that they don’t do it. If money was sent under this concept then can return.
This happens when customers finally realize that they will not receive the product and that the donated money cannot be returned.
In case of a victim of this modus operandi, experts recommend collecting all kinds of evidence such as payment endorsements, screenshots of transactions and where the data was sent, to initiate a legal process that would help in solving the case Could ,
Likewise, it is essential to notify PayPal in order to alert them to accounts that have been scammed and attempt to cancel the transaction.
Likewise, since personal and payment data was provided during the transaction, it is necessary to periodically verify your status with banking and service entities to confirm that you are not a victim of impersonation.
To avoid falling for this type of piracy scam, experts recommend looking for reviews of web pages where an item is being purchased to ensure they are genuine; Similarly, at the time of a transaction, it is essential to verify that a contact’s telephone number and business’ actual address is there, as this helps build trust and allows claims to be made when nothing has happened.
Finally, it is essential to verify the transaction details and verify that it is a payment and not a donation, something that can save you a headache.
With this law in place, you should not pay credit or report to Datacredit if you have been a victim of digital fraud
This June 7, an important initiative in Congress approved the final green light in the form of a law: it is a project to protect victims of digital fraud.
The bill, which only needs President Petro’s signature to become law, was led by House Representative Duvalier Sánchez (Alianza Verde) and aims to benefit more than 40,000 Colombians who have been victims of digital scams.
“Since 2020, identity theft and digital fraud crimes have increased by 409%, with the increase in digital transactions and the pandemic. As of November 2021, more than 13,458 complaints of identity theft were filed, that’s an average of five virtual financial frauds per hour,” the Congressman said.
In such a situation, such a law becomes important. “Given this scenario, it was necessary to legislate in favor of Colombians, so that they can feel supported and protected from the idling of the financial sector. With this law, they will no longer pay credit installments that they did not withdraw and They will not be reported at risk centres,” he said.
As approved by the President, according to Congressman Duvalier Sanchez, this will be the protocol that victims of digital fraud must follow:
- A victim of impersonation must notify a financial or credit institution or telephone operator that they have been impersonated and are in debt.
- The operator should inform you that you have 20 working days to file a complaint.
- Upon filing a complaint, the institution must immediately suspend collection and withdraw reports from credit centers. Be aware, if the complaint is not filed within the stipulated period, the institution may resume the associated charges and reports.
- If the prosecutor’s office verifies that impersonation was committed, the person will be exonerated and cut off from any collections and reports. If it is verified that there was no impersonation, the allegations and reports will start again and the complainant will face criminal liabilities for false reporting.
According to the Congress, “With this law, the burden will not fall solely on the victim, but institutions must cooperate with the judicial process and improve their cyber security systems. We will put an end to the drama that citizens experience today.” Pay off loans they didn’t choose to.