'Fraud Kits': criminals are applying a new type of payroll scam

According to a report made by the program Fantástico, from Rede Globo, a new type of payroll scam is being carried out in Brazil.

In this new version of the famous fraud, criminals are acquiring so-called “fraud kits”, which contain various documents and even signatures of retirees, pensioners and public servants.

To give you an idea, in 2022 around 57,874 occurrences of the coup were recorded across the country, according to Procon, which receives fraud reports.

The high number of complaints led to the initiation of investigations, which have already been pointed out, according to the authorities involved, even INSS employees as members of the gang that provides data of the injured people to the scammers.

Also according to the investigators, the data are made available on the internet, in clandestine groups. These are RG, CPF, CNH numbers and other documents, as well as selfies and even digital signatures.

How strikes are applied

Investigations into the new type of coup are based, among other things, on wiretaps phone calls and capture of audios sent via application by criminals who provide and use the data stolen.

In one of these recorded conversations, a scammer explains how the process of accessing the data of the injured parties is. “Here on our website, we have several, billions of registrations, you know? So, let's say, I clicked on this one, it's going to throw me to this page where I'm going to find all the customer data”, he said.

At another point in the same conversation, the criminal lists some documents that can be accessed. “So here we have everything, look, ID, employment card, driver's license, and proof of everything I told you (…) We find what you want”, he informs.

Once they have this data in hand, the crooks can access the Meu INSS application and, there, apply for payroll loans in a relatively simple way.

In an interview given to the report, a retiree from Rio Grande do Sul tells how she discovered that there were 29 loans made in her name, totaling more than BRL 195 thousand raised in loans fraudulent.

“Me and my kid, we went to see the loan. When she got there, she showed that she had no margin because she already had several, several loans,” said the woman, who declined to be identified.

Authorities warn that the main line of defense against this scam is tracking extracts of bank and loan margin accounts on a periodic basis, denouncing any movement suspicious.

Measures are being taken

The Fantástico report reported that the Minister of Social Security, Carlos Lupi (PDT), is aware of the situation and has already asked the Federal Police to investigate the cases.

“Bandits are doing this by taking advantage of terrible employees, disreputable professionals who are a minority, thank God, but that use access to retiree information, their registration, their password, to feed a network of criminals.”, he said. Lupi.

Febraban (Brazilian Federation of Banks), also issued an opinion on the situation and said it was attentive to all movements in this direction, even if the problem does not originate in the financial system of the country.

Graduated in History and Human Resources Technology. Passionate about writing, today he lives the dream of acting professionally as a Content Writer for the Web, writing articles in different niches and different formats.