Following story is adaptation of ongoing fraud related to Google Pay. Please read it till the end and be aware, stay alert and don’t get spammed.
You: (Receiving a call from unknown number)
Spammer: (Calling to scam you)
You: Hello, who is this?
Spammer: Hi, I’m a friend of your uncle. I had some debt that I had to clear. But your uncle is having some problem with his bank account so he asked me to transfer the funds to you.
You: (Confused which uncle he is talking about.) Sorry, I think there is some misunderstanding.
Spammer: No, he gave me your number. I have to transfer you 20k rupees or he will be very disappointed. I promised him to pay by the end of today.
You: (Realizing it is a spam call and thinking let’s see what happens.) Ok.
Spammer: I’ll first send you 1k rupees as a test transaction. If it is successful, I’ll send you the remaining amount instantly after that.
You: (Thinking he is a spammer and will not send any money.) Ok, send me 1k and let’s see.
Spammer: (Sends you 1k rupees.)
You: (In shock as you received 1k rupees and thinking he is some genuine person and not a spammer.)
Spammer: (Calls you again.) Hello, did you receive 1k rupees that I just sent you?
You: Yes, I did receive 1k rupees.
Spammer: Ok, I’ll now send you remaining 19k rupees. Are you ok with that?
You: (Getting greedy and dreaming of getting 20k rupees for free.) Yes, please send me the remaining amount. I just received a call from my uncle and he confirmed that he asked you to send me 20k rupees.
Spammer: (Happy that he will now be able to scam you.) I’ll send you the amount now.
You: (Received a text request on Google Pay which had extra information “remaining 19k of uncle”.) Let me call him. (You call the spammer again.)
Spammer: Hello, did you receive the amount?
You: No I didn’t receive the amount. Instead I have received a link in my Google pay chatbox.
Spammer: Yes, you will receive the amount when you click approve on that link. Since Google pay is a big company, they have increased security measure for transactions more than 10k. So, you’ll have to click on approve.
You: Ok, I understand why I received the link.
Spammer: Yes. Please remember, don’t click on decline else the payment will be reverted back to me and you won’t receive it.
You: Ok, I won’t click on decline.
Spammer: Call me once you receive the amount.
You: (Clicks on approve transaction. You are so happy that you are receiving 20k for free, you get over excited. The app asks you for your 4 digit pin. You, without giving it a second thought, enter your 4 digit pin and hit enter.
You receive a message saying “Your account is debited 19k rupees.” You are in shock. You call the spammer. The phone of spammer is now switched off.
You realize you have now been scammed for 18k rupees.)
What should you do in such cases?
- Don’t click on any links you receive from unverified sources
- Don’t give your pin to anyone
- Don’t download unverified apps from the playstore and give them access to your phones. (Although, fraud apps will get access to your phones data without your permission. So, don’t download it.)
If you have been a victim of Google pay scam:
- Call your bank and file a dispute and mention the receiver was a fraud. Do it asap so bank can recover your money.
- Run to your nearest cyber police station and file a complaint.
Take precautions first, so you don’t need to go through other rush work to get your money back.
Say safe, stay alert.