After multiple complaints and without results, he filed a complaint with the Prosecutor's Office. Technicians of the entity carried out an expert report on the banking movement and determined that their money was sent to Peru and then returned to three different accounts to the same bank in Ecuador.
He was not the only one, along the way he met dozens of customers who were scammed online. According to the Attorney General's Office, these cases have increased. Of the 119 that were registered in 2009 so far this year there are 1,308, which represents between $ 1 and $ 2 million of damage.
The scammed person admits that he never realized that the page was false and gave his personal data, access codes. According to the director of the computer crimes unit of the Prosecutor's Office, Santiago Acurio, there are various types of fraud for users of the financial system. One of them is called phishing and is dedicated to impersonating one website by another to extract information fraudulently. Those harmed by this kind of crime enter pages similar to the original ones, created by hackers, where they type all the personal information. Mass emails that appear to come from the financial institution or companies with which the client has some kind of relationship are used as a hook.
Another common crime is skimming, through which the offender copies or scans the financial and personal information of your credit or debit card and then re-burns it onto a fake card, thus creating a replica that has the same scopes and limitations as the original personal card.
Last week the Prosecutor's Office, with the Superintendency of Banks, resolved that private banks return the money lost by their customers for this type of fraud.
According to the Prosecutor's Office, there was fragility and vulnerability in the electronic system of financial institutions and omission in not informing the population about this type of crime.
Diego Vela, Tata's information security manager, said that this political decision by the Prosecutor's Office is dangerous for the financial system because self-theft can be promoted and cases will increase. It proposes that the government bodies promote specific laws that sanction fraudsters, accomplices and cover-ups.
The Association of Private Banks began last week an information campaign called Saber es poder and aims to educate, especially customers, on basic security measures. Banks also take other measures.
Banco Pichincha, for example, implemented a biometric system that provides for additional security through the use of questions and secret figures, which guarantee access to electronic banking. Additionally, it has a system of email alerts and SMS messages that inform you when there are erroneous attempts to enter your electronic banking.
Prosecutor's Office Announces Contempt Trials
The Prosecutor's Office announced yesterday that it will initiate criminal proceedings for contempt against the executive director of the Association of Private Banks of Ecuador, César Robalino, and the directors of the banking entities that do not comply with the provision to compensate the money to the clients victims of computer fraud.
This, after Robalino announced that it will not pay those harmed. "That's a legal monstrosity," he said.
Attorney General Washington Pesántez pointed out that there are banks such as Guayaquil and Pichincha, which comply with the resolution issued by the Prosecutor's Office, based on article 30 of the General Law of Institutions of the Financial System. "Decent and honest private banking is paying. I spoke a few hours ago with Antonio Acosta, manager of Banco Pichincha, and they are paying," he said.
The bank's argument is that complaints should be analyzed on a case-by-case basis.
Pesántez ordered that customers who since January 1, 2010 were harmed by an amount of $ 1 to $ 2,000 be refunded 100% of the value. If they lost from $ 2,001 to $ 10 thousand, let them be paid 80% and when they go from $ 10 thousand, 60%. The deadline to return is 72 hours.
Source: The Universe
