Vishing, (or voice phishing) happens when you receive a call on your home phone or mobile device, from someone pretending to be from a trusted source, like your bank. But is the voice on the other end really from your bank or is it just another identity thief fishing for your account information?
Another more common scenario is some one calls your home phone or mobile device and says, you've just won a sweeps-stake or an all expense paid vacation to some exotic place, like Honolulu, Hawaii and they need your credit card number and try to get additional banking information as well as Driver's License and Social Security numbers, if you give up your debit/ credit card information, to validate your identity. Others talk about a self-servicing load, they promise to deposit twice the amount of money agreed upon to your account, you can keep half the money and they need seed money to get that going, something around $500 and again, try to get additional banking information as well as Driver's License and Social Security numbers. But is the voice on the other end really from the concern in question, or is it just another identity thief fishing for your account or (PII) ID information?
How Does Vishing Work?
When thieves go vishing, they’ll call people using an automated system and leave messages saying there’s a problem with your bank account or ATM card or you've won the Lottery or some sweeps-stake. The call will then direct you to a phone number or website that will ask for personal account information to verify your identity, but again, they’re not verifying anything, they’re stealing your account information. Then they’re going to steal your money.
How Much Damage Can Vishing Cause?
According to an FBI scam alert, vishing victims reported having money illegally withdrawn from their accounts within 10 minutes of receiving the vishing call, and another of having “thousands of fraudulent withdrawls”1 following a vishing call. If the transaction is done from a smartphone, it’s also possible for thieves to gain access to all the information stored on the phone, as well. Information thieves can collect:
* Personal information * Account numbers and information * PIN
What thieves can do with this information:
* Identity theft * Bank fraud * Other identity fraud
For additional information on Fishing & Pharming see.... Phishing & Pharming Post
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1 www.fbi.gov/news/stories/2010/november/cyber.../cyber_11241
† Federal Trade Commission. “Consumer Sentinel Network Data Book For January – December 2011.” February 2012.
† Javelin Strategy & Research. "2012 Identity Fraud Report: Social Media and Mobile Forming the New Fraud Frontier." February 2012.
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