The expert explains how to identify and protect yourself from fake offers
Summary
Internet scams, especially in the financial market, are on the rise, with particular focus on scams involving Pix in Brazil. It is essential to be wary of loan proposals that require prepayment and ask for guidance on what to do in the event of fraud.
Internet scams are becoming more and more frequent and spreading in various areas. In the financial market, one of the most applied methods is requesting prepayment to release the loan amount, as credit is a viable solution for organizing finances or making dreams come true. Therefore, it is crucial to be aware of fraudulent practices that aim to deceive those seeking these solutions.
Before making any payments, it is important to check the legitimacy of the offer. According to the Scamscope Fraud Report, developed by ACI Worldwide in collaboration with GlobalData, losses caused by scams involving Pix could exceed $635.6 million (about R$3.7 billion) in Brazil by 2027.
“In these cases, criminals pose as representatives of financial institutions or banks and contact victims, offering apparently advantageous credit terms. However, to release the loan, they request a deposit or wire transfer, claiming that it is a fee of service, insurance or any other false justification. Once the payment is made, the requested amount is never released and the scammers disappear, leaving the victim at a loss”, explains André Oliveira, CEO of CredFácil.
So that you can protect yourself and know what to do when a criminal approaches, André has prepared a list of actions to keep an eye on.
Always be suspicious
If you receive any loan proposal that requires any type of advance payment, become suspicious immediately. “Do not make any deposit or transfer before you are sure of its legitimacy,” confirms Oliveira.
Information is protection
“Stay informed and remember, real financial institutions follow Central Bank rules and do not request amounts before issuing credit.”
Request contracts and documentation
Request and review detailed contracts and documents before making any payments. “Legitimate companies always provide formal and clear documentation on the terms and conditions of the services or loans,” advises the expert.
Confirm your company contact
“If you receive an email, message or call from a financial institution or bank, contact them directly using the information found on their official website. Do not use the details provided in the suspicious communication.”
I made the payment, now what?
The first step is to immediately go to the nearest police station and file a complaint, presenting all proof of payment. “Also, contact your financial institution to inform them of what happened and ask for further guidance,” concludes André.
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