It is getting easier and easier to get a loan from a bank; banking organizations are happy to provide loans to the population. This plays into the hands of scammers who use various methods to get money.
Don't lose your passport
If you once discovered that your passport has disappeared somewhere, immediately contact the passport office with a statement about the loss. Do not waste time: there is a danger that a loan will be issued for you, which you will have to repay. Fraudsters do not need to do anything special for this, they have many ways in their arsenal. A consumer loan, credit card or cash loan can be issued on your passport.
Small amounts
Why is this happening? Everything is very simple. Bank employees must verify the passport photo with the client in front of him. But often this simply does not happen, especially when loans are issued not at the bank itself, but in small representative offices. Credit managers receive a certain remuneration for each approved loan, so they forget about some points in the instructions. And if the face in the passport is even slightly similar to the face of the fraudster, then he applies for a loan even more confidently. In addition, some scammers paste their photograph into their passport. Managers do not even suspect that they are being deceived. Such situations occur in the case of a loan for goods or small amounts in microfinance organizations. It's easy to get a credit card from someone else's passport. The scheme of work of criminals is the same. Two or three loan agreements can be drawn up for one passport.
Collusion with a bank employee
Taking out a large loan from a serious bank is a more difficult task. To do this, you need to have an appearance identical to that in the document, and intercept calls from bank employees to work, home, and the passport holder's relatives. Of course, in theory, deception is possible, but it is practically impracticable. If suspicions arise, the security personnel carry out a thorough check, during which they can call all the phone numbers of the client and his relatives or meet with him in person.
But if the fraudster is in collusion with the bank's employees, it becomes easier to take out a loan using someone else's passport. Only one bank employee works with the client who applied for a loan. After checking the passport, he returns it, and sends copies to the archive. There is a danger here that he will take copies of the document from an unauthorized person. However, such cases are extremely rare due to the good organization of control and security in the banking system. In any case, there is no need to lose alertness.
