Nowadays, there are more and more types of fraud. We all must always be alert. However, if you have become a victim of fraud, find out how you can block the fraudster's account.
What Types of Fraud Often Claim Victims?
1. Fraud in the name of a bank
Various cases of fraud in the name of banks include informing you that you have won a prize, reporting something related to transactions and are usually urgent in nature and offering loans. You may be asked to fill in personal data or transfer a certain amount of money first for various reasons, for example to claim a prize.
Read more about the types of fraud related to and/or in the name of Bank Jago here.
2. Fraud committed by fraudulent online stores
You like shopping and often scroll until you find an online shop that sells the items you want at low prices. Once you find it, you check out right away without hesitation and fill in the requested personal data. Suddenly you receive a notification that the balance in your account has decreased.
Or, you make a transfer to the seller's account to confirm the purchase but you never receive what you bought. Only then do you realize that you have become a victim of fraud. Don't let it happen.
Get to know more about the characteristics of online buying and selling fraud in this article.
3. APK file fraud
Similar to the types of fraud above, another method used by fraudsters is to send SMS or WhatsApp saying that you win a prize, receive an invitation to attend something, receive a package or something else disturbing that makes you want to click on the APK file that was sent.
In fact, APK files can steal personal data, control your cellphone remotely to do things you don't want, such as transferring money, draining your bank account, etc. Always be careful when receiving messages from unknown people.
Learn more about APK file fraud here.
There are many other types of fraud related to the theft of personal data and transferring money to fraudsters' accounts, such as skimming, phishing, social engineering and fake QRIS that is widely circulating, which you should be aware of.
How to Block a Fraudster's Account If You Have Already Transferred Money
What if we are careless and become victims of fraud, especially if we transfer a certain amount of money to a fraudster? One thing that can be done immediately is to block the fraudster's account.
Indeed, money that has been transferred or lost cannot be guaranteed to be returned by the bank. However, you can still take steps to block fraudulent accounts for security reasons.
1. Contact Bank Jago via email to [email protected]
Whether the fraudster uses a Jago account or another bank account to commit fraud, you can still report it to Jago so that the bank can immediately block it and investigate further.
2. Prepare the data and documents needed to report fraudulent accounts
Along with the email you will send to Jago, make sure you provide the following data and documents so that the blocking and investigation process can proceed immediately.
- Mobile number that can be contacted
- Supporting documents related to the transaction (1x24 hours)
- Chronology related to this problem with detailed information including the fraudster’s bank account number (1x24 hours)
- Transaction date & time
- Name of bank used by sender
- Name and bank account number of the sender
- Statement of Police Report (maximum 3 working days after you report and receive a message from Bank Jago)
In accordance with the provisions of the Financial Services Authority (OJK), Bank Jago requires a Statement of Police Report to block fraudulent accounts and continue the report to the next level.
If the Statement of Police Report takes time to be processed, you can still first report the incident you experienced so that Bank Jago can check whether there have been similar reports regarding the fraudster's account.
3. Your Jago account has been hacked and your money has been taken by fraudsters, what to do?
If your Jago account is hacked by fraudsters, you can report it to the Jago customer service for immediate blocking.
To unblock your Jago account or if you want to continue this case to the next stage, you still need a Statement of Police Report. The return of customer money that has been taken by fraudsters cannot be guaranteed.
4. Report suspicious accounts via Cek Rekening website
Another way that you can try after making a report to the bank is to report suspicious fraudulent accounts through Cek Rekening website.
Via the site provided by Kominfo, there is an option to report an account. Follow the required steps to create a report.
How to Avoid Being Scammed or a Victim of Fraud
So that you don't become a victim of fraud, here are a number of ways you can do in your daily life and in interacting with other people.
1. Always stay alert, don't easily trust strangers or be tempted by them
Got the good news that you win a prize of millions of rupiah? Found an online shop that offers super cheap prices? Don't easily believe in lures like that.
Before saying yes, find out the truth first. Have you ever participated in an official prize program offered by a bank? Why are the prices of the products sold in that shop so low, even though the prices in other shops are not that cheap? Ask yourself things like these so you don't get trapped and end up becoming a victim of fraud.
Apart from that, never share sensitive information such as personal data, PINs and passwords, with anyone for any reason. Because, if you share it, your personal data could be misused by irresponsible parties.
2. Get to know the official contacts of Bank Jago
As a Jago customer, make sure you know the official Jago Bank contactsto avoid fraudsters who are hungry and looking for their next prey. Bank Jago will only contact customers from their official contacts.
Take note of Bank Jago's official contacts and accounts as follows:
- Email: [email protected]
- Hotline: 1500-746 dan +622130000746
- WhatsApp: 0819-247-7490
- X: @jadijago dan @tanyajago
- Instagram: @jadijago dan @tanyajago
3. Make the most of the Security & Control feature in the Jago app
Save and transact online without worry by activating various options of the Security & Control feature in the Jago application.
Enable two-factor authentication at certain transaction limits to prevent unwanted transactions. Make sure that only your fingerprint can open the Jago application by activating the biometric authentication option. There are also security options such as deleting registered devices if you accidentally allow an unknown device to access your Jago account.
Jagoans, it's always better to prevent being a victim of fraud by taking the necessary precautions. Always stay alert, especially in those involving financial matters.
Is Saving Money at a Digital Bank Like Bank Jago Safe?
No need to worry about putting your money in the form of savings and investments at Bank Jago. PT Bank Jago Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia.
Apart from being licensed and supervised by OJK, is Bank Jago guaranteed by LPS?
Bank Jago is also an LPS guarantee participant. You can rest easy saving money at Bank Jago because LPS guarantees what you save (such as savings and deposits) up to a maximum of Rp2 billion per customer, as long as the interest rate does not exceed the guaranteed interest rate.
Customers are required to fulfill the LPS guarantee requirements
Apart from meeting the requirements regarding the amount of guaranteed savings, customers must also fulfill several other requirements, such as not committing a crime in the banking sector. All requirements that must be met can be read here.
