Fraudsters may pose themselves as staff of Hang Seng Bank or other financial institutions, and contact customers by phone call, SMS, emails, promotion materials or message from instant messaging app. By using fraudulent tactics (for example, offering attractive preferential interest rates), they induce customers to provide personal information such as ID card copies, payroll slips, proofs of address and bank statements to them for applying banking products including personal loans or credit cards. Meanwhile, fraudsters also ask customers to make deposits into designated account(s) as margin or service fee.
Fraudsters may claim unusual transaction record is identified in your bank account / credit card through pre-recorded message phone call, and then request you to provide them sensitive personal information such as account number, username and log-on password for “investigation”. They may even purport as courier company employee, government official, or your relative, friend or business partner and force you to provide personal information, or to transfer a sum of money to a designated bank account for various reasons.
In order to promote their reliability and reduce victim’s suspicion on their identities, fraudsters may show customers a highly-imitated staff card, name card or document proof of the institution they pretend, or behave as no fear on identity verification that providing you a fake staff number and fake identity verification hotline number in the process of pretending.