Recently, an increase in fraudulent messages related to alleged loans granted by government institutions has been identified. This campaign has circulated since the beginning of the year when the official government program called “Loan welfare 2025” was launched.
The messages circulate mainly through social networks and in messaging applications such as WhatsApp where they contact users to offer false credits in misleading conditions.
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“Cybercriminals take advantage of the economic need of people and their confidence in social programs to supplant official units and steal personal data and money. It is essential that the population verify whenever it is a registered and reliable institution before delivering any information”explains David González, computer security researcher at the Laboratory of ESET Latin America.
The specialist in proactive threat detection details that the alleged government program offers amounts between 6 thousand and 45 thousand pesos with attainable requirements for anyone.
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Among the modalities detected are false messages on social networks that promise a “welfare credit” without requirements or with applications such as deposits for concepts such as commissions or insurance that are never reimbursed.
They are also contacted by calls or text messages that request personal data for renewals, debts or deposits for card activation or loan release.
One more technique is the links that are distributed by chats or social networks that lead to web pages that supplant official dependencies to obtain banking or personal data through deceptive forms.
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“Once criminals get the data, they begin to harass the person already their contacts, demanding payments under threats. In addition to being a financial fraud, it is also an extortion mechanism and psychological pressure. No government dependence requests payments to grant a loan. If they ask for money in advance, it is an alert signal”Add the ESET researcher.
The risks associated with these practices are: the loss of money, extortion, identity theft, among others.
The holiday season is one of the favorites for cybercriminals, as people are distracted or more willing to spend, so they resort to extra financing. This increases its success rate. In order not to become another victim, pay attention to these recommendations:
- Do not share your personal data with anyone by phone, social networks or messages.
- Do not open links from unknown numbers because they can send fraudulent pages that the only thing they are looking for is to steal the information.
- Never make deposits to activate cards or release loans.
- Verify information related to government credits or programs in official channels and reports any fraud or extortion attempt.
- Use safe passwords and activate the double authentication factor in your networks.
- Have a solution of antivirus on your electronic devices to block the download of documents that may contain malware of the infostealer, spyware or Trojans.
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