Agar aapne kabhi koi digital lending app use ki hai, ho sakta hai kisi din aapko call aaye jo aapka naam aur ye bhi jaanta ho ke aap kaunsi app use karte hain. Ye familiarity hi is scam ko itna kaamyab banati hai — log guard down kar dete hain kyunki caller "sab kuch jaanta hai".
Ye Scam Kaise Kaam Karta Hai
Scammers kisi tarah lending apps ke customers ka data (leaked ya scraped) hasil kar lete hain — naam aur phone number ke sath. Phir wo customer service representative ban kar call karte hain aur "special discount", "markup waiver", ya "credit limit upgrade" ka lalach dete hain. Iske liye wo ek "processing fee" ya "verification amount" pehle jama karwane ko kehte hain — jo asal mein seedha unki jeb mein jata hai.
Khatarnak Nishaniyan
- Koi bhi lending app agar aapko "upgrade" ke liye pehle paisa jama karne ko kahe
- Deal itni acha ho ke normal na lage (bohat kam markup, bara discount)
- Aapko apni app ke bajaye kisi third-party number/account par payment karne ko kaha jaye
Khud Ko Kaise Bachayein
- Golden rule: Koi bhi legitimate lending app kabhi loan approve karne ya limit upgrade karne ke liye pehle paisa nahi maangti.
- Har offer ko khud apni app ke andar login kar ke verify karein, caller ki baat par bharosa na karein.
- Apna OTP kisi ko na dein, chahe caller kitna bhi apna naam sahi kyun na bataye.
Agar Aap Shikar Ho Chuke Hain To Kya Karein
- Turant apni lending app ke official support se contact karein aur apna account flag karayein.
- Apni bank ko bhi inform karein agar payment transfer ho chuki hai.
- FIA Cyber Crime Wing (1991) par report karein.
- Number ko Number Bata par report karein.