Account opening fraud
From account opening fraud occurs when scammers using fake documents such as fake identity documents checking accounts open. Stolen IDs are also often used.
Account opening with falsified documents
With the help of stolen or forged identity papers, checking accounts are opened at as many banks as possible .
At the end of the 1990s and the beginning of the 2000s , this type of fraud was mainly committed by people from Nigeria and other African countries with stolen identity papers from compatriots - taking advantage of the fact that Western Europeans are mostly inexperienced in distinguishing between these people.
Since direct banks cannot have their identity card or passport presented, they often use other types of legitimation . The so-called Postident procedure is widespread here , which is possible at Deutsche Post AG and which can also be circumvented using false identification documents.
Debit fraud
Direct debits are made at the expense of third-party accounts . The collecting bank does not check whether a direct debit authorization has been issued. It carries out the fraudster's order without checking, since a person who has been defrauded can object to the direct debit at any time and the amount is then automatically returned.
The fraudulent withdraws the amount in cash immediately after receipt, before the amount is withdrawn from his account again after the direct debit objection. The bank is left with the costs as long as the fraudster cannot be identified.
Electronic direct debit fraud
By opening an account, the fraudster gets an EC card, which is used to purchase goods by electronic direct debit. The perpetrators take advantage of the fact that, for reasons of cost, the retailers do not initiate a blocking query in this system and therefore payment with blocked cards or without account credit is possible. Since the banks can return the direct debits, the retailers do the damage.
Account details of existing accounts
To gain access to foreign account data can be in the wastebaskets of banks discarded bank statements found in the Internet and on invoices are bank accounts , by 1 cent transfers to bank accounts are checked for existence.
Criminal assessment
In addition to the criminal liability for fraud, there is usually a misuse of identification documents and a false certification or forgery of documents .
