Currently, criminals are increasingly applying scams to those seeking payroll loans. This is because it is very common for retirees, civil servants and INSS pensioners to seek this benefit. Therefore, it is so important to know how it works and ways to prevent this attack.
In Brazil, the number of bank frauds increased by around 165%, targeting retirees. Since most operations have switched to cell phones since social isolation due to the pandemic, this group has become an easier target. In that sense, the payroll loan scam became an even greater bait to attract this audience.
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Normally offered to retirees, pensioners and civil servants, payroll is nothing more than a type of loan that deducts the amount of the installment directly from the paycheck.
Since the beginning of 2022, the INSS has been warning people about the increase in the number of scams involving payroll loans. See now how the coup works and stay tuned!
In general, the criminal usually makes a call impersonating a certain banking institution and offers very large advantages for the payroll loan. These range from super low interest rates to even the amount available for contracting.
After the person is interested in the service, the criminals ask him to make an advance deposit for that benefit to be released. In addition, another way for this scam to occur is through email and messages. Scammers send a message presenting the fake services and ask for the customer's personal data. After that, they start opening several fraudulent accounts impersonating the victim.
The safest way to avoid being a victim of this scam is to always look for your financial institution and ask for more details about the advantages being offered. In order not to make a mistake, the ideal is to go to the physical agency. Also, remember that the INSS does not contact you by email, calls or messages.
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