There are many fraud modes that result in victims being recorded as having loans in fintech joint funding or online loans, even though the victim has never applied for a loan. The victim will be recorded as having debt in the OJK Financial Information Service System, and can even cause a bad reputation. If you don't want to be trapped as a victim, recognize the following fraudster modes:
False Transfer Modes
If you receive an unknown transfer, be careful! There is currently a mode of fraudsters who claim to have made a wrong transfer while using the victim's personal data to apply for loans.
The fraudster contacts the victim and says that there has been a transfer error and asks the victim to return the funds that have entered the victim's account before.
Link Filling Mode
Be careful if you receive whatsapp or sms that directs us to fill in a link, Fraudster asks victims to fill in links containing requests for personal data, the data will be used by fraudsters to apply for loans.
The mode of borrowing personal data
Fraudsters borrow the victim's data with the lure of a commission. Even though the data is used to get a loan in fintech joint funding, where the victim will be asked to send the funds to the fraudster. Victims who do not realize their data is used for online loans will get a loan collection notification.
Those are the three modes of fraud (fraudster). Fraud modes are increasingly diverse, you have to be more careful! Keep your personal data and be wise in following up information from unknown parties.
Source : ojk.go.id
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