Card cracking

Avoid this scam: Card-Cracking

ESCENARIO 1 - En las estafas de robo de tarjetas, los adultos jóvenes (principalmente estudiantes, militares recién alistados o padres solteros) son reclutados para facilitar el fraude contra el banco. Los delincuentes suelen dirigirse a los consumidores a través de las redes sociales y los convencen de que compartan los datos de su cuenta corriente a cambio de algún tipo de soborno, normalmente en forma de un cheque falso depositado a distancia en su cuenta, del que el consumidor puede quedarse con una parte de los fondos. Sin embargo, el estafador suele retirar todos los fondos antes de que el banco determine que el cheque es falso. Los estafadores también pueden convencer al estudiante para que les proporcione su tarjeta de débito, junto con su PIN. Al consumidor se le indica que denuncie la tarjeta como perdida o robada, recibiendo así protección a través de la Reg E, mientras el defraudador retira los fondos.

SCENARIO 2 - A student opens a new account at a bank, generally with a low dollar amount ($10-$25). The student then provides their ATM card and PIN number to a third party. The third party then deposits stolen or counterfeit checks into the account and makes withdrawals prior to the checks being returned as bogus. The student is instructed to tell bank officials they lost their debit card. If questioned about how the fraudster obtained the PIN, the student is instructed to inform bank officials they wrote the PIN on a piece of tape and attached it to the back of the card.

SCENARIO 3 - Fraudsters create fake job postings on social media and job sites, promising quick money for simple tasks. New hires are asked to provide their bank information, often under the guise of direct deposit setup. Once the information is shared, scammers deposit fake checks or make unauthorized transfers, leaving account holders liable for the fraud.

SCENARIO 4 - Using mobile payment apps, scammers may convince victims to send small amounts to verify an account. Over time, they increase the transaction amounts, sometimes draining accounts through unauthorized transactions linked to a linked debit card or bank account.

Cracking-Cards Recruitment

Recruiters often resort to social media to recruit students for Cracking-Cards with the promise of quick money. They may post fake testimonials of "success" or fabricate stories about high-paying opportunities. Don’t be a party to a criminal scheme. It’s illegal to defraud a bank. In recent investigations, criminal charges have been brought against students for conspiracy and larceny.

¿A quién se recluta?

• Los adultos jóvenes, de entre 16 y 30 años, son reclutados, atraídos, engañados, sobornados o aceptan voluntariamente entregar su tarjeta de débito y su PIN.
• Many of the young accountholders are high school/college students, as well as those in financial distress or seeking part-time work.
• La mayoría de las personas que se dedican a llevar a cabo este esquema se dirigen a cuentas que han sido establecidas por un período de 6 meses o más.
• Los titulares de cuentas no suelen tener grandes saldos en su cuenta.
• Most accountholders believe they will be paid for assisting their “friend” in this scheme. Some account holders may receive a small amount of money, but mostly never get paid.

CONSEJOS DE PREVENCIÓN

• No comparta nunca su tarjeta de débito ni su PIN con nadie.
• Nunca ingrese en su cuenta un cheque o giro postal de origen desconocido.
• Verify job offers carefully; avoid sharing personal banking details for direct deposit until confirming legitimacy.
• Be cautious of anyone promising fast cash or encouraging you to deposit checks and return part of the funds.
• Monitor your account regularly for unusual activity and report any suspicious transactions to your bank immediately.
• No seas partícipe de una trama delictiva.