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Bakulumpe ba malu a mikenji badi bakuate, batshinyisha, badikuba

Emergency numbers differ by country. This page uses 911, the number for the United States and Canada. Many other countries use 112, 999, or another number. Find the number for your country.

Mabikila makese a ku telefone adi afila buôwa bua lukasa kupita muntu udi ubikila ne tshikisu udi wamba mudiye mulombodi wa mbulamatadi, muena mudimu wa sheriff, muena mudimu wa pa buende wa FBI anyi mukebuludi wa malu a bitadi. Mu tshifufu tshia mbulamatadi tshia dishima, bena tshibawu badi bamba ne: mbapatule mukanda wa mbulamatadi bua kukukuata diakamue bua dipanga dia mudimu wa bu-jury, disumbisha dia manga, anyi dishima dia makuta adi atangila mashinyi a kufutshila adibu balekele anyi nomba webe wa Social Security udibu bashipe. Muntu udi ukubikila udi ukutshinyisha ne: ba-depite badi ne bia mvita badi mu njila batangile kumbelu kuebe anyi ku biro biebe mpindieu, anu wewe muele tshipungidi tshia tshimpitshimpi anyi muteke makuta ebe audi mulame mu tshibutshilu tshia mbulamatadi tshidi tshilama.

Muntu udi ubikila udi muena tshibawu udi wenza mudimu wa dikuata bantu ku bukole, ne kakuena mukanda wa kumukuata to. Bibambalu bia dilama dia mikenji, tubadi, ne bibambalu bia bitadi kabiena bilomba difutu dia lukasa ku telefone bua kubenga tshilumbu tshia tshibawu anyi bua kujikija tshilumbu tshia dibikila dia ku kabadi to. Bamfumu ba mbulamatadi kabatu nansha balomba bena ditunga bua kusumba karte ka dipa ka mu tshisalu, kuela makuta mu mashinyi a makuta a tshiamu tshia nzembu, kutuma makuta mu konte ya bantu nkayabu, anyi kufila or kudi muena mudimu udi ulua nkayende to. Paudi ushipa lungenyi lua muntu udi ukubikila, ubenga bua kujimija bintu biebe, ne uyukila ne bantu badi bakubikila mu tshimpitshimpi nkayebe, udi mua kukuba budikadidi buebe, makuta audi mulame ne ditalala dia mu lungenyi.

Enza nunku mpindieu

Shi udi wakula ne muntu udi ukubikila udi wamba mudiye muena mudimu wa mbulamatadi anyi wa tshiluilu tshia mikenji, enza malu asambombo aa diakamue:

  1. Umbusha dibikila dia ku telefone diakamue:
    • Ela telefone mpindieu, nansha mudi muntu udi ukubikila mua kukutshinyisha ne: neakukuate diakamue anyi udi upepeja kabadi.
    • Kulomba luse, kukokangana anyi kulomba bukenji bua kujikija dibikila to; udi mua kukosa dipetangana.
    • Bena mudimu ba mikenji balelela kabatu bakuata bantu anyi bafila mikanda ya dilomba dia makuta ku telefone to.
  2. Kubenga malu onso adibu bakulomba bua kupatula makuta, kusumba or anyi kutuma makuta:
    • Kuyi uya ku banke, ku tshisumbu tshia mfranga, anyi ku nzubu wa dipanyishila bintu bua kupatula makuta anyi kulomba dituma dia makuta ku Enternete to.
    • Kuena ne bua kusumba bintu bia or bia mushinga mukole, bia tshiamu tshia mushinga mukole, anyi karte ka dipa ka mu tshisalu bilondeshile mêyi a muntu udi ukubikila to.
    • Kokubueja makuta a ku mubidi mu tshisalu tshia makuta a tshianana anyi mu tshiamu tshia bitcoin tshidi tshienza mudimu nkayatshi to.
  3. Kulekedi muntu udi kayi mumanye udi utuma mikanda anyi muendeshi wa mashinyi bua kubuela mu nzubu muebe to:
    • Bikala muntu udi ukubikila mulongolole bua "muena mudimu wa mbulamatadi," "muena mudimu wa ku kabadi," anyi muendeshi wa mashinyi bua kuangata makuta anyi or ku nzubu kuebe, kuandamuna ku tshiibi tshiebe to.
    • Lama biibi bionso bia pambelu bikanga, kanga bimanu bia madidishi, ne kupatuki pambelu to.
    • Lomba muntu udi kumbelu kuebe bua kubikila nimero ya njiwu ya muaba unudi (911 mu États-Unis ne Canada, 112 mu Union européenne mujima, 999 mu Royaume-Uni) ne kuela link ku nomba ya tshimpitshimpi.
  4. Ujadike bumuntu buebe bua mikenji ku diambuluisha dia nimero ya telefone ya mbulamatadi:
    • Keba nimero ya telefone ya mbulamatadi ya tshibambalu tshia bampulushi tshia mu tshimenga tshienu, sheriff wa mu tshimenga, anyi mufundi wa nzubu wa kabadi ka distrike.
    • Kubikila nansha kakese nimero ya telefone idi pa mukanda webe wa dibikila anyi nimero yonso ya dibikila idi muntu udi ukubikila udi wela mpata mufile to.
    • Ebeje tshibambalu tshia malu a mbulamatadi ne: "Kudi mukanda wa dianyisha anyi bualu bua mikenji budi kabuyi bujika budi butangila dina dianyi anyi?"
  5. Ambila bibambalu bieba bia makuta pikala makuta matuadije:
    • Shi ukadi mutuadije dituma dia makuta ku banke, dituma dia makuta ku banke, anyi dipatula dia makuta, yukila diakamue ne tshibambalu tshieba tshia malu a tshinyangu tshia ku banke.
    • Lomba dibikila dia lukasa dia tshiamu tshia mashinyi ne uteka mikalu ya mbulamatadi pa makuta onso adibu bafuta.
    • Amba patoke ne: "Ndi mukengeshibua kudi tshinyangu tshia dishima tshia mbulamatadi, ne ndi dijinga ne diambuluisha dia lukasa."
  6. Umanyishe tshipangu tshia dikuata bantu ku bukole kudi bampulushi ba mbulamatadi:
    • Tuma dilomba dia mbulamatadi ku nzubu wa dilomba dia malu a tshinyangu wa ku Enternete wa FBI ku ic3.gov ne tshibambalu tshia malu a bungenda tshia ditunga ku reportfraud.ftc.gov.
    • Shi muntu udi ubikila udi udifuanyikija bu muena mudimu wa IRS, manyisha muntu udi utangila malu a bitadi (TIGTA) ku nimero eyi tigta.gov.
    • Shi muntu udi ubikila udi wamba mudiye muena mudimu wa ku kabadi anyi muena mudimu wa mbulamatadi, funda luapolo ku biro bia dimanyishangana dia malu a mbulamatadi wa mu États-Unis.

Kulondi nansha kakese mikenji bua kulama dibikila mu musokoko to

Bantu badi bashima batu bamba pa tshibidilu ne: udi muinshi mua mukenji wa mbulamatadi wa ditunga dia États-Unis bilondeshile tshitupa tshia 18 tshia mikenji ya ditunga dia États-Unis ne kuakula ne bafidi ba makuta ba ku banke, balunda anyi bena mu dîku didi dileja tshibawu tshinene tshia mbulamatadi. Tshinyangu etshi ntshilele tshia kukutshinyisha tshienza bua kukutapulula ne bantu badi mua kukuleja tshishima. Bibambalu bia dilama dia mikenji kabitu nansha bifila mikenji ya dishima ku telefone idi ikukandika bua kuebeja mufidi wa mibelu anyi kuyukila ne banke webe to.

Tshiamu tshia tshikebelu tshia njiwu ya bena tshinyangu

Londa njila wa dipangadika dia mudimu eu bua kumanya ni dibikila dia kudi muena mudimu wa mbulamatadi didi dilelela anyi ndilongolola dia dilomba makuta:

flowchart TD
    A["Dibikila dia kudi mpulushi, sheriff, FBI, anyi IRS Official"] --> B{"Muntu udi ubikila udiku ulomba makuta, tshibawu, karte ka dipa, anyi or bua kumbusha mukanda wa dilomba anyi?"}
    B -->|"Eyowa: Udi ulomba difutu"| C["100 Percent Confirmed Imposter Extorsion Scam"]
    C --> D["Ela telefone diakamue; kutuma makuta anyi kusumba bintu to"]
    D --> E["Keba nomba ya tshibambalu tshia mbulamatadi mu tshilaminu tshia mikanda tshia pa nkaya"]
    E --> F["Bikila tshibambalu tshia malu a mbulamatadi bua kujadika nsombelu wa mukanda wa dianyisha"]
    F --> G["Tshibambalu tshidi tshijadika ne kakuena mukanda wa dianyisha to; funda luapolo lua dikuata dia bintu kudi bampulushi ne IC3"]
    B -->|"Tòo: Udi ulomba muyuki wa mbulamatadi"| H{"Muntu udi ubikila udiku ulomba bua benze bualu kampanda diakamue padibu bamutshinyisha bua kumukuata anyi?"}
    H -->|"Eyowa: Malu a tshikisu"| C
    H -->|"Tòo: Dikonka dia bamanyi"| I["Lomba ne kanemu konso dina dia mpulushi, nomba wa tshimanyishilu, ne nomba wa mesa a tshibambalu"]
    I --> J["Teka telefone ne ubikile tshibambalu tshinene tshia mudimu bua kujadika malu ebe"]

Mushindu udi tshifufu tshia dishima tshia mbulamatadi tshienza mudimu

Tshipangu tshia dishima tshia mbulamatadi ntshienzedi tshia dishima tshia bantu tshidi tshienza mudimu ne kanemu ka mikenji, buôwa bua kuikala mu buloko, ne dipanga dia dimanya dia malu a kulumbuluisha. Bisumbu bia benzavi bidi bienza midimu eyi mu nzubu ya tshikuku mikole, benza mudimu ne mishindu ya bungi idi ilombola bantu badibu bakengesha mu tshinyongopelu, mu ditumikila dia mikenji ne mu dijimija dia bintu.

+-----------------------------------------------------------------------------+
|                   ANATOMY OF THE GOVERNMENT IMPOSTER SCAM                   |
+-----------------------------------------------------------------------------+
|                                                                             |
|  1. Caller ID Spoofing        Phone displays local sheriff or federal       |
|     (STIR/SHAKEN bypass)      courthouse name and official phone number.    |
|                                                                             |
|  2. Legal Terror Hook         Caller recites badge number, case file, and   |
|     (Fabricated warrants)     alleges drug trafficking, missed jury duty.   |
|                                                                             |
|  3. Sensory Intimidation      Background soundboard plays police radio      |
|     (Manufactured realism)    chatter, dispatcher tones, and office noise.  |
|                                                                             |
|  4. Strict Isolation          Caller demands victim remain on line under a  |
|     (Fake federal gag order)  fabricated federal gag order (18 U.S.C.).     |
|                                                                             |
|  5. Asset Conversion Trap     Victim ordered to liquidate 401(k), buy gold, |
|     (Gold, crypto, wire)      or deposit cash into a "safe government vault"|
|                                                                             |
+-----------------------------------------------------------------------------+

Tshilumbu tshia buôwa tshia mikenji ne bilumbu bia dienza

Muntu udi ubikila udi utuadija muyuki ne muakulu wa mbulamatadi, wa mbulamatadi muenza bua kujadika bukokeshi bua mu lungenyi diakamue:

  • Mudimu wa tshiluilu udi mupangile ne dipepeja dia kabadi: Mushimi udi wamba ne: kuvua mufike ku mudimu wa tshiluilu tshinene tshia mbulamatadi kunyima kua bamane kukubikila to. Badi bamba ne: mulumbuluishi wa mbulamatadi mmutue tshiala pa mukanda wa dikuata bua dibenga kulua kumpala kua kabadi ne bua dipepeja dia kabadi.
  • Disumbisha dia manga ne mashinyi a kufutshila adibu balekele: Muntu udi ubikila udi wamba mudiye muena mudimu wa DEA anyi muena mudimu wa US Border Patrol uvua mupete mashinyi a kufutshila avua malekelela pabuipi ne mikalu ya matunga masanga mu Texas anyi mu Arizona. Mu mashinyi mudi mashi, bingoma bia mashinyi, ne kilo ya manga, mifunda ku dina diebe anyi ku nimero wa Social Security.
  • Nombre wa Social Security ne dishima dia makuta: Muntu udi ukubikila udi wamba ne nomba webe wa Social Security mmulamakaja ne konte ya banke ya dishima makumi asatu ne ibidi idi itangila difila dia makuta a tshinyangu anyi disumbisha dia bantu, bidi bikengela kukanga diakamue bintu biebe.
  • Mikanda ya mbulamatadi mienza: Bena tshinyangu batuma mikanda ya PDF idi ne bimanyinu bia mbulamatadi, tumanyinu tua dishima tua balumbuluishi ba mu distrike dia mbulamatadi, ne mikanda ya mbulamatadi ya bushuwa.

Dishintulula dia matshi ne ditshinyisha dia tshisanji

Bua kufikisha bantu badibu bakengesha ku ditaba ne: badi bakula buludiludi ne tshibambalu tshia mudimu tshidi tshienza mudimu, bisumbu bia benzavi bidi bituma biamu bia kuteleja nabi mêyi ne bintu bia kuteleja nabi:

  • Mutoyi wa panyima udi uleja mudi mpulushi ufila ngumu ku njila ibidi, mutoyi wa mpulushi, sirene, ne mutoyi wa mu biro.
  • Muntu udi ubikila udi umbuka misangu ne misangu kule ne mikro bua kufila mêyi mafunda ne: "Sergent Miller, ikala ne tshisumbu tshia bakuate ku luseke lua muntu too ne patudi tujikija mêyi aa."
  • Muena mashimi udi ukutuma pankatshi pa "bamfumu" ba bungi (tshilejilu, kumbukila ku muena mudimu udi ukukuata too ne ku "mufundi wa ku kabadi," pashishe kudi "muambuluishi wa avocat wa mu États-Unis," ne ndekelu wa bionso kudi "muena mudimu wa mbulamatadi").
  • Dinaya dia manaya edi dilongolola didi dipita meji a muntu udibu bashipe, dikolesha ditabuja dia dishima dia se: tshisumbu tshia basalayi tshidi ne bia mvita tshidi pabuipi ne minite mikese bua kubuela mu nzubu wabu.

Ditumikila ku bukole ku diambuluisha dia mikenji ya dishima ya mbulamatadi

Bua kulama bukokeshi buonso, muena mashimi udi wenza mudimu ne mikenji bua kutshinyisha muntu udibu bashipe bua kuikalaye mupuwe:

  • Muntu udi ukubikila udi ukuambila ne: dikonkonona edi didi mu mikenji ya mbulamatadi ne udi ubikila tshitupa tshia 18, tshia mikenji ya ditunga dia États-Unis, tshitupa tshia 1510 (dipangisha dia makebulula a malu a tshinyangu).
  • Badi badimuija ne: kuakula ne bafidi ba makuta ba ku banke, bafidi ba makuta, bena dibaka anyi bana kudi tshibawu tshinene tshia mbulamatadi tshidi mua kufila bidimu bitanu bia buloko bua mbulamatadi.
  • Badi bakulomba bua kulama telefone webe mu tshibombi tshiebe ne mikro wenza mudimu paudi ubuela mu banke webe, bakuambila bua kuambila bafidi ba makuta ne: dipatula dia makuta didi bua dilongolola dia nzubu, disumba dia nzubu anyi dia lutatu lua luondapu lua mu dîku.
  • Shi muena mudimu wa ku banke udi wela mpata bua bualu budi kabuyi bua pa tshibidilu, muntu udi ukubikila udi uteleja ku telefone ne ukuambila bua kulomba makuta ebe ne tshikisu anyi kuya ku biro bikuabu.

Njila mijalame ya dikumbaja dia mikenji ne mishindu ya dishima

Kumvua mikenji milelela ya dikumbaja dia mikenji kudi kufila bukubi budi kabuyi mua kunyungishibua ku dikuata dia bintu ku telefone. Bibambalu bia mbulamatadi bidi bienza mudimu bilondeshile mikenji mikole ya ditunga ne ya mikenji idi bena tshinyangu kabayi mua kuidikija to.

Tshintu tshia mudimu Tshibambalu tshia dikumbaja dia mikenji tshia bushuwa Tshisumbu tshia bena tshinyangu
Dishipa dia mikenji Mikanda ya dianyisha idi yenzeka ku mêsu kudi bampulushi bavuale bilamba bia mudimu anyi kudi bena mudimu badi ne mikanda ya dianyisha badi baleja mikanda ya dianyisha. Mikanda ya dianyisha idi mimanyishibua ku telefone ne dilomba dikole dia kutumikila diakamue.
Dilongolola dia malu a mfranga Kena witaba makuta, bitadi, anyi tshipungidi ku telefone bua kumbusha, kumbusha anyi kujikija tshilumbu tshia tshibawu to. Udi ulomba difuta dia lukasa dia ku telefone dia "makuta a dijadika" anyi "makuta a dimanyisha" bua kumbusha mukanda wa dianyisha.
Mishindu ya kufuta Makuta a ku kabadi ne a buloko adi afutshibua anu ku dididishi dia muena mudimu wa ku kabadi ku diambuluisha dia tsheke wa tshibutshilu anyi karte ka mfranga. Udi ulomba difuta ku diambuluisha dia nzubu ya dipana dia makuta, karte ka dipa dia mu magazen, programe ya peer-to-peer, anyi bantu badi batuma makuta.
Malu adi muena dibikila ulomba Kakuena ulomba bena ditunga bua kupatula makuta abu a pansio anyi kujimija makuta abu a mutuel to. Udi ulomba bantu badibu bakengesha bua kumbusha bintu mu konte yabu, kujikija 401(k) plans, anyi kupatula makuta a mu nzubu.
Mukenji wa telefone Udi usaka bena ditunga bua kukanga telefone ne kujadika bumuntu bua mpulushi ku diambuluisha dia tshibambalu tshinene tshia mudimu. Udi utshinyisha bua kumukuata diakamue pikala dibikila dijika anyi pikala muntu udibu bashipe ukeba kubikila ku mulongo mukuabu.
Gag Orders Mikenji ya mbulamatadi ya dibenga kumanyisha malu idi mifunda kudi balumbuluishi ba mbulamatadi kudi bibambalu bia mudimu, ki mbua ku mishiku kudi bantu badibu bela meji ne: mbabenzele bibi to. Udi utshinyisha dilumbuluisha dia tshibawu muinshi mua mikenji ya dishima ya mbulamatadi bua kupangisha diyukidilangana ne bena mu dîku anyi ne banke.

Mulongo wa dijimija dia bintu ne disangisha dia bintu

Tshipatshila tshilelela tshia dishima dia mbulamatadi ntshia kupatula bubanji bua lukasa. Bena tshinyangu mbapatule mishindu mikole ya dilongolola dia bintu bua kukudimuna makuta a ku banke bua kulua bintu bidi kabiyi mua kupingajibua.

+-----------------------------------------------------------------------------+
|                     EXTORTION ASSET EXTRACTION VECTORS                      |
+-----------------------------------------------------------------------------+
|                                                                             |
|  Vector                  Scammer Instructions           Settlement Time     |
|  -------------------------------------------------------------------------  |
|  Physical Gold Bullion   "Buy gold bars from a dealer;  Immediate physical  |
|  & Cash Couriers         courier collects at your home" delivery to cartel  |
|                                                                             |
|  Cryptocurrency          "Insert cash into Bitcoin ATM  Irreversible within |
|  Automated Kiosks        to deposit into Federal Vault" 10 minutes          |
|                                                                             |
|  Retail Store Gift       "Buy $500 Apple cards to pay   Converted online    |
|  Cards & Vouchers        state court clearance fees"    within 120 seconds  |
|                                                                             |
|  Domestic & Global       "Wire funds to Federal Reserve Clawback possible   |
|  Bank Wire Transfers     safekeeping escrow account"    only within 2 hours |
|                                                                             |
+-----------------------------------------------------------------------------+

Or wa tshiamu tshia mitaku ne biamu bia mushinga mukole

Mu bidimu bishale ebi, bisumbu bia matunga a bungi mbilue kumbukila ku dipa dia karte ka dipa too ne ku dipatula dia biamu bia mushinga mukole bia mushinga mukole:

  • Bena tshinyangu batu bambila bantu bakulumpe ne bantu badi bafume ku pansio badi ne makuta a bungi a kuenza nawu mudimu anyi a pansio bua kutuma makuta 50 000 USD too ne ku 500 000 USD kudi basumbishi ba biamu bia mushinga mukole badibu banyishile bua kusumba or anyi makuta a tshiamu tshia arjan.
  • Muena tshinyangu udi wamba ne nzubu wa tshibutshilu wa makuta a mu États-Unis udi ulama makuta a muntu udibu bashipe pa kukudimuna makuta a fiat adi kaayi majalame mu or wa bushuwa udibu balame mu "tshilaminu tshia mbulamatadi."
  • Padibu bafila or ku nzubu kua muntu udibu bashipe, muntu udi ubikila udi utuma muena mudimu udi kayi mumanye anyi muena mudimu udi ne mikanda ya dishima ya mbulamatadi bua kuangata tshiamu atshi.
  • Or udi ufidibua ku miaba ya diabanya dia or, mubueja kabidi mu tshibombi, ne mubueja mu musokoko ku mikalu ya matunga, bienza bua dipeta dia or dikale dikole.

Mashinyi a tshiamu tshia nzembu (Bitcoin ATMs)

Bena tshinyangu batu balombola bantu badibu bakengesha mu makazen a muaba udibu basombele, mu bipalu bia dipanyishila bintu, anyi mu nzubu ya mafuta idi ne nzubu ya dipanyishila makuta a tshiamu tshia nzembu:

  • Muntu udi ubikila udi ufila kode wa QR ku diambuluisha dia mesaje anyi dia e-mail, udi umufunda mu mushindu wa dishima bu "tshibutshilu tshia makuta tshia mbulamatadi" anyi "tshibutshilu tshia makuta tshia tshibambalu tshia malu a mikenji."
  • Muntu udibu bashipe udi wambila bua kufila binunu bia dolare mu tshibutshilu tshia makuta mu tshisalu tshia dianyisha dia bitadi.
  • Tshiamu tshia kiosk tshidi tshikudimuna makuta mu Bitcoin, Ethereum, anyi Tether (USDT) ne tshituma diakamue mu tshibutshilu tshia muena tshinyangu tshidi katshiyi tshilama.
  • Padibu bajadike dishintakaja dia bintu pa blockchain wa bantu bonso, makuta kaena mua kukanga, kupingajibua anyi kupingajibua kudi banke anyi tshibambalu tshia dilama dia mikenji to.

Diangatshila dia makuta ku mêsu ne dituma dia makuta ku mpunda

Padi bantu badibu bakengesha kabayi mua kuenza mudimu ne nzubu ya dipanyishila makuta, bena tshinyangu batu balongolola bua kuangata makuta ku mêsu:

  • Badi bambila muntu udibu bashipe bua kupatula makuta 10 000 too ne ku 50 000 USD mu banke wabu, kuela makuta au mu tshilamba anyi mu tshilamba tshia plastique bua kubenga kumumona, ne kuateka mu kazubu.
  • Muena mashimi udi wambila muntu udibu bashipe ne: "mufundi wa mudimu," "mulombodi wa musokoko," anyi "muena mudimu wa bukubi" neafike ku nzubu kuabu mu mêba abidi bua kuangata makuta a tshibawu.
  • Misangu ya bungi, muntu udi ufika ku tshiibi udi muendeshi wa mashinyi wa mushinga mukole uvuabu bangate ku diambuluisha dia programe wa difila dia bintu bua kuya ne bintu kumbukila ku adrese umue too ne ku mukuabu, kayi mumanye ne: badi bambuluisha bua kuenza tshibawu tshia dikuata dia bintu ne bingoma to.

Kukanga tshinyangu tshidi tshienda tshienzeka

Shi wewe nansha muena mu diku diebe udi mubuelakana mu tshipangu etshi, kuenza bualu kampanda ne lukasa kudi mua kuimanyika mudimu eu kumpala kua makuta kujiminawu kashidi.

flowchart TD
    A["Muntu udibu bashipe udi mpindieu ku telefone ne muena dishima anyi mu njila uya ku banke"] --> B["Enza bualu diakamue: Ela muntu udibu bakengesha bua kuimanyika telefone"]
    B --> C{"Makuta adi penyi mpindieu?"}
    C -->|"Ntshidi mu konte wa ku banke"| D["Mu bukubi: Kukosa diyukidilangana, kudimuija mulombodi wa filiale, kujadika mfranga"]
    C -->|"Makuta anyi or mu bianza"| E["KUFIDI kudi mufidi wa mikanda to; kanga biibi ne ubikile 911 diakamue"]
    C -->|"Bibueja mu Crypto ATM anyi Wired"| F["Bikila tshibambalu tshia dishima tshia ku banke bua kupingaja makuta; Udi mua kubikila FBI IC3 RAT"]
    E --> G["Bampulushi ba muaba udibu bafika bua kukuata muena mudimu udi ulua ku nzubu"]
    F --> H["Fila Wire Hashes ne Transaction Data kudi Bakebuludi"]

Kutshimuna tshinyangu tshia mu lungenyi

Wewe mumone muena mu diku diebe, muledi, anyi muena mutumba wenda wenda ne tshiji tshikole padiye wakula ku telefone wende wa ku bianza ne usangisha mikanda ya ku banke, enza bualu ebu ne dishindika ne ditalala:

  • Kuebeji ne bupole tshidi tshienzeka to; bena tshinyangu badi balongesha bantu badibu bakengesha bua kubenga nkonko ya patupu.
  • Angata tshitupa tshia dibeji ne ufunde ne maleta manene ne makole ne: "ETSHI NDISHIMA. UDI WAKUILA NE MUENA MUENA BUALU. ELA TELEFONE MU TANTU."
  • Ikala ne tshimanyishilu kumpala kua mêsu abu. Bobu bakuele tshianza, fina pa butone bua "End Call" mu telefone wabu.
  • Umanye ne: muntu udibu bashipe udi mua kuenza malu ne tshiji tshikole, buôwa anyi buôwa, wela meji ne: udi anu mubakuate kudi mbulamatadi.
  • Ubajadikile misangu ne misangu ne: "Nudi mu bukubi. Kakuena muntu udi ulua kukukuata to. Bampulushi kabatu banyisha mikanda ya dilomba ku telefone to."

Kulombola mudimu wa dituma dia bintu udi ulua ku nzubu kuebe

Bikalabu bamane kulongolola bua kuangata makuta anyi or ne muntu udi utuma bintu udi ne bua kufika kumbelu kuebe:

  • Kupatuki pambelu: Lama biibi bionso bikanga ne kukangula tshiibi padi mashinyi afika.
  • Bikila 911 diakamue: Bikila nimero wa njiwu ya muaba unudi (911 mu États-Unis ne Canada, 112 mu Union européenne mujima, 999 mu Royaume-Uni) ne ubikile ku nomba ya tshimpitshimpi.
  • Ambila muena mudimu wa 911 ne: "Ndi muenzejibue kudi tshinyangu tshia dishima. Bena tshinyangu batume muena mudimu ku nzubu kuanyi mpindieu bua kuangata makuta ne or. Mashinyi adi afika pambelu."
  • Tangila mufidi wa mikanda bimpe kunyima kua madidishi makanga. Tangila tshimfuanyi tshia mashinyi, tshilejelu, dikala, nomba wa mashinyi, ne tshimfuanyi tshia muendeshi.
  • Bena mudimu ba mikenji badi mua kukuata muena mudimu padiye ufika, kuangata mashinyi, ne kuela muendeshi nkonko bua kumanya badi balongolola tshisumbu tshia bantu badi ku mutu kua mâyi.

Dipingaja dia makuta a ku banke ne mikenji ya dipingaja dia bintu bia mfranga

Shi uvua mutume makuta ku banke kumpala kua kumanya tshishima, kuenza mudimu mu mêba abidi too ne makumi anayi ne asambombo a kumpala kudi kufila mushindu umuapele wa kupingaja makuta a banke.

+-----------------------------------------------------------------------------+
|                     EMERGENCY WIRE RECALL PROTOCOL                          |
+-----------------------------------------------------------------------------+
|                                                                             |
|  Hour 0-2: Call Bank Branch    Demand originating bank transmit an urgent   |
|                                SWIFT / Fedwire Recall Request (Code: FRAUD).|
|                                                                             |
|  Hour 2-24: FBI IC3 Filing     Submit detailed complaint to ic3.gov to      |
|                                trigger the IC3 Recovery Asset Team (RAT).   |
|                                                                             |
|  Hour 24-48: Receiving Bank    Your bank transmits a formal Letter of       |
|  Hold Harmless Agreement       Indemnity to the receiving institution.      |
|                                                                             |
|  Day 2-30: Interbank Review    Receiving bank freezes mule account balance  |
|                                and returns net available funds to victim.   |
|                                                                             |
+-----------------------------------------------------------------------------+

Kutuadija divuluka dia malu a tshinyangu a SWIFT ne Fedwire

Udi mua kubikila tshibambalu tshia dituma dia makuta ku banke webe anyi tshibambalu tshia malu a dishima diakamue:

  • Amba patoke ne: "Ndi ne tshia kuenza dibikila dia tshimpitshimpi dia dishima dia ku Enternete bua dituma dia bintu didi kadiyi dianyishibue dituma ku bukole bua tshibawu."
  • Lomba bua banke webe atume mukenji wa dibikila dia makuta ku diambuluisha dia Fedwire funds service anyi SWIFT network ku diambuluisha dia code wa dipingaja dia malu a tshinyangu.
  • Lomba banke webe bua kuyukila ne tshibambalu tshia malu a tshinyangu tshia banke udi upeta makuta buludiludi ku telefone bua kulomba bua kulama konte wa muntu udibu bapesha makuta kumpala kua muena tshinyangu au kupatula makuta.
  • Dilomba bua kukumbaja diakamue tshipungidi tshia dilama dia makuta anyi mukanda wa difutu (LOI), udi ulama banke udi upeta makuta ku dibanza padiye upingaja makuta adibu bakokangana nawu.

Kuenza mudimu ne tshisumbu tshia FBI IC3 Recovery Asset Team (RAT)

Mu ditunga dia États-Unis, tshibambalu tshia malu a makebulula tshia mbulamatadi tshidi tshilombola tshisumbu tshia dipeta dia bintu (RAT) mu tshibambalu tshia malu a tshinyangu tshia ku Enternete:

  • RAT udi wambuluisha mu dikanga dia makuta adibu batuma ku diambuluisha dia banke ya mu ditunga padi dituma edi dikumbaja mikalu misunguluke ya mikenji (pa tshibidilu dituma dia makuta adi mapite pa 50 000 USD adibu batuadije mu mêba makumi asambombo ne abidi a ndekelu).
  • Fila dilomba dia tshimpitshimpi ku ic3.gov, kusungula Wire Fraud / Government Imposter.
  • Fila metadata milelela: dina dia banke wa ntuadijilu, nomba wa konte wa ntuadijilu, dina dia banke wa mufidi wa diambuluisha, nomba wa njila wa mufidi wa diambuluisha, nomba wa konte wa mufidi wa diambuluisha, bungi bulelela bua dolare, ne nomba wa tshijadiki tshia Fedwire anyi wa SWIFT.
  • IC3 RAT udi wenza mudimu pamue ne balombodi ba malu a mfranga ne bena mudimu badi baluisha dinyanguka dia mfranga mu nzubu wa diambuluisha bua kuimanyika mfranga kumpala kua kuyibueja mu konte ya ku babende anyi mu makuta a tshianana.

Dikolesha dia bumuntu ne mishindu ya kudikuba

Bu mudi malu a dishima a mbulamatadi misangu ya bungi alomba bena tshibawu badi bakubadila malu ebe, dikolesha dia mikanda ya bumuntu buebe didi dipangisha bua kukubunda pashishe.

  • Lomba luapolo lua mfranga lua bukubi bua kuimanyika: Udi mua kubikila Equifax (equifax.com), Experian (experian.com), ne TransUnion (transunion.com) bua kukanga tshitupa tshieba tshia mfranga. Kukanga mfranga yebe kudi kupangisha bivi ba malu a muntu bua kunzulula mfranga anyi karte ka mfranga ne nomba webe wa Social Security.
  • Teka mamanyisha a dishima mu mikanda ya mfranga: Weja dimanyisha dia dishima mu mikanda yebe ya mfranga, udi ulomba bafidi ba mfranga bua kujadika bumuntu buebe pa kubikila ku telefone webe kumpala kua kupatula mishindu mipiamipia ya disumbisha.
  • Difunda mu program wa IRS Identity Protection PIN: Lama nsombelu webe wa difunda dia bitadi pa kuenza IP PIN ku irs.gov. Ebi bidi bipangisha bena tshinyangu bua kufila mikanda ya bitadi ya dishima ku diambuluisha dia nomba webe wa Social Security.
  • Difundisha kudi tshiapu tshieba tshia dimanyisha dia malu a dishima: Enza mudimu ne biamu bia mudimu bia dikuba dia mabikila a tshinyangu (bu mudi AT&T ActiveArmor, Verizon Call Filter, anyi T-Mobile Scam Shield) ne enza bua telefone webe wa bianza ikale kayi umvua dîyi dia ku nomba idi kayiyi mimanyike.
  • Enza tshikebelu tshia mukanda wa dianyisha: Tangila site wa mufundi wa kabadi ka mu tshimenga tshienu anyi tshibambalu tshia bampulushi tshia mu tshimenga bua kujadika ne: mikanda yebe ya mikenji idi patoke, idi ifila dijika dia lungenyi dia kashidi.

Tshia kuenza shi udi munda mua tshibambalu tshia banke mpindieu

Shi uvua muenzejibue bua kuya ku nzubu webe wa makuta ne udi muimane mu tshibuelelu anyi muindile mu mulongo padi muntu udi ukushima ukuteleja ku telefone webe, londa mushindu eu wa diambuluisha:

  • Kutshinyi ne kumanyisha tshishima etshi ku mêyi: Vuluka ne: muena tshinyangu udi ku telefone webe udi uteleja miaku bu mudi "bampulushi" anyi "tshishima." Lama telefone webe mu tshibombi tshieba anyi mu tshibombi tshiebe ne dibikila didi dienza mudimu pikala dikanga dia telefone dikukebela kanyinganyinga kakole, kadi kutumikila dîyi dia kupatula makuta to.
  • Ufila mukanda mufunda ku bianza kudi muena mudimu wa ku banke: Angata mukanda wa dipatula makuta anyi dibeji dia tshianana ne ufunde patoke ne: "Ndi ku telefone ne muena tshinyangu udi ulomba bua kupatula makuta mu tshinyongopelu tshia kukukuata. Kuenji bualu ebu to. Bikila bampulushi ba muaba unudi mu musokoko." Ela mukanda eu buludiludi ku tshiibi tshia banke.
  • Bank teller protocol: Ba teller ba ku banke ne balombodi ba midimu ya bakiliya badi bapeta dilongesha dia pa buadi dia diluisha dinyanguka dia makuta ne dinyanga dia makuta a bakulumpe bilondeshile mikenji ya mbulamatadi. Padi mufidi wa makuta ubala mukanda ewu, neapangishe dipana edi ne ditalala, neakufikishe mu biro bia mulombodi wa pa nkayende, neakumbushe ku mulongo wa telefone, ne neakumanyishe buludiludi bampulushi ba muaba unudi.
  • Bikala muena mudimu wela nkonko bua dipatula diebe dia makuta: Shi muena mudimu wa ku banke ukuebeja bua tshinyi udi upatula makuta a bungi anyi usumba or, amba bulelela buonso diakamue. Bena tshinyangu batu balongesha bantu badibu bakengesha bua kushima bantu badi bafila makuta padibu bamba ne: makuta adibu bafila adi bua kulongolola nzubu anyi bua kusumba mashinyi. Kushipa mukanda wa tshinyangu ne kuandamuna muntu udi ufila makuta ne bululame ke njila webe wa lukasa wa kupeta bukubi.

Kuitaba mikanda ya dishima ya mbulamatadi ne mikanda ya dibikila dia ku kabadi

Bena dishima batu misangu ya bungi batuma mikanda ya ku Enternete ku diambuluisha dia mesaje, WhatsApp, anyi e-mail bua kujadika malu adibu bamba ne: badi bababanda. Kujingulula mushindu udi mikanda ya tshilumbuluidi milelela kudi kukuambuluisha bua kumona diakamue mikanda ya dishima:

  • Bimanyinu bia kabadi ka distrike ka mu États-Unis: Mikenji ya kabadi ka mbulamatadi ya bushuwa idi ne tshitampi tshifunda anyi tshia mbulamatadi tshia ku kabadi ka distrike ka mu États-Unis (bu mudi: ku Sud kua New York anyi ku Californie). Bena tshinyangu batu misangu ya bungi balamakaja bimanyinu bia tshimpitshimpi bia tshibambalu tshia malu a mikenji anyi tshia FBI pa mikanda idibu bamba ne: mmikanda ya kukuata nayi bantu ku kabadi ka mbulamatadi.
  • Bimanyinu bia balumbuluishi ne nomba ya bilumbu: Mikanda ya tshibawu ya mbulamatadi idi ileja mushindu wa nomba ya tshilumbu (tshilejilu, Case No. 24-CR-00482-ABC). Bashima batu bafuka milongo ya nomba ya dishima anyi basangisha miaku mifupisha ya bena tshididi ne ya tshibawu. Bena tshinyangu batu misangu ya bungi balamakaja biala bia banzuji bamanyike bimpe bakadi balekele mudimu anyi balumbuluishi ba ku Kabadi kanene pa mikanda ya dikuata bantu ya mu tshimenga.
  • Muakulu ne bilejilu bia mikenji: Mikanda ya bushuwa ya mbulamatadi idi mifunda mu tshikoso, mikole idi ilomba mfumu wa basalayi ba mu États-Unis bua kukuata muntu udibu batele dîna diende. Mikanda ya dishima idi miule tente ne malu a njiwu, mifundu mikunzubile mikole, bilema bia difunda, ne mikenji idi kayiyi ne mushinga idi ileja disumbisha dia manga, diluisha dinyanguka dia makuta, ne mikenji ya bukubi bua ditunga idi mu tshikoso tshimue.
  • Dipeta dia bantu bonso ku mikanda ya ku kabadi (PACER): Dilomba dionso dia bushuwa dia mbulamatadi ne tshilumbu tshionso tshidi tshifunda mu tshilaminu tshia malu a tshilumbuluidi tshia mbulamatadi tshidibu babikila ne: PACER (pacer.uscourts.gov). Dikebulula dia lukasa kudi avocat udi ne mukanda, muena mudimu wa mikenji, anyi muena mudimu wa ku kabadi ka mbulamatadi didi mua kujadika ni nomba wa tshilumbu anyi tshilumbu tshidiku.

Kulama njiwu ya dipingaja anyi dikumbula dia kumbelu

Padi bantu badibu bakengesha babenga dilomba dia dilomba dia makuta, bena tshinyangu badi kabayi ne ditekemena batu misangu ya bungi bafika ku dienza buôwa bua bungi, batshinyisha bua kutuma bisumbu bia SWAT bidi ne bia mvita ku nzubu wa muntu udibu bakengesha anyi bombe ku nzubu kuebe:

  • Kujingulula njiwu ya dibunda: Dikuma i tshienzedi tshia buenzavi tshia kuela dibikila dia dishima dia lukasa ku 911 wamba ne kudi tshilumbu tshia dikuata, dishipangana, anyi tshinyangu tshia dibutuka ku adrese wa muntu udibu bashipe bua kujula diandamuna dia mpulushi ne bingoma.
  • Kudimuija tshibambalu tshia bampulushi tshia muaba unudi: Shi muena tshinyangu udi ukutshinyisha bua kutuma bampulushi badi ne bingoma kumbelu kuebe anyi kutuadija dibikila dia tshimpitshimpi, ubikile tshibambalu tshia bampulushi tshia muaba unudi tshidi katshiyi tshia lukasa anyi tshia lukasa lukasa. Umvuija nsombelu ne ditalala: "Ndi anu muele telefone kudi muena tshinyangu uvua untshinyisha bua kubikila 911 wa dishima ku adrese wanyi bua kudisombuela."
  • Kuteka dibendele dia didimuija pa nzubu webe: Bampulushi badi mua kuela dibendele dia tshitupa tshîpi anyi dibendele dia didimuija ku adrese webe wa ku nzubu mu tshiamu tshiabu tshia ordinatere (CAD). Shi muntu udi kayi mumanyibue udi ubikila 911 wamba ne: kudi bualu bua tshikisu kumbelu kuebe, batumibue badi babala mikanda ya CAD, bakubikila buludiludi ku telefone, ne batuma bampulushi badi bakuandamuna ne dimanya dia malu adi menzeke.

Bipeta bia makanda a mubidi ne dilama dia lungenyi dia panyima pa ntatu

Buôwa bukole budi bufumina ku dishima dia mbulamatadi budi bunyanga mubidi wa muntu bikole. Kuikala mubanda ne malu mabi manene ne kumutshinyisha ne: nebamukuate ne bingoma kudi kufikisha ku dikola dia bungi dia cortisol, norepinephrine ne adrenaline. Bantu badibu bakengesha batu bapeta buôwa bua bungi, dipuekesha dia luya lukole, disama dia mu tshiadi, disama dia mashi a bungi, ne disama dia vasovagal syncope (dijimija dia lungenyi).

Wewe anyi muena mu dîku dienu udi mukulakaje umvua disama dikole dia mu tshiadi, disama dia ku tshianza, dipanga dia mupuya, anyi dijimija dia lungenyi padibu bakubikila anyi panyima pa dilomba dia makuta, bikila diakamue bena mudimu ba lupitadi lua lukasa. Makanda a mubidi adi ne mushinga wa bungi kupita malu a mfranga. Ela meji bua kujikija tulasa tua diambuluisha dia kumpala, CPR, ne diambuluisha dia kumpala dia lungenyi ku diambuluisha dia Croix-Rouge, dia St John Ambulance, anyi dia mufidi wa diambuluisha dia muaba unudi bua kupeta mamanya a mua kukokesha tunyinganyinga tua bungi, dibungama dia mubidi, ne ntatu ya muoyo mu tshikondo tshia ntatu ya mu dîku.

Nkonko itubu bela misangu ya bungi

Bampulushi anyi sheriff badiku mua kunkuata bua dipanga dia mudimu wa bu-jury ku telefone anyi?

Tòo, tubadi tua bushuwa ne bibambalu bia dilama dia mikenji kabitu nansha bifila mikanda ya dikuata bantu ku telefone anyi kulomba makuta ku telefone bua mudimu wa bu-jury udi mupangile to. Wewe mupangile bua kulua kumpala kua nzuji, tubadi tudi tutuma mikanda ya dibikila dia kulonda ku poste anyi tufila dîyi dia mbulamatadi bua kuleja bualu budi bukulomba bua kulua kumpala kua nzuji mu nzubu wa tshilumbuluidi wa bantu bonso. Mulumbuluishi kena mua kuanyishila bena mudimu bua kubikila bena ditunga bua kulomba makuta, karte ka dipa, anyi makuta a tshianana bua kubenga tshilumbu tshia ku kabadi to.

Bua tshinyi telefone wanyi uvua muleje nomba wa telefone wa mbulamatadi wa tshibambalu tshia bampulushi tshia muaba undi pa ID wa muntu uvua unbikila?

Bena tshinyangu batu benza mudimu ne programe wa Voice over IP wa mushinga mukese ne biibi bia telefone bia ku Enternete bua kushima metadata yabu ya dimanyisha dia muntu udi ubabikila. Bantu badi bakubunda badi anu bafunda nimero ya telefone ya bushuwa ya nzubu wa bampulushi wa muaba unudi, ya biro bia sheriff anyi ya kabadi ka mbulamatadi mu programe wa muntu udi ukubikila kumpala kua kubikila muntu. Tshiamu tshia telefone tshieba tshidi tshitaba metadata eyi ya dishima ne tshileja dina ne nomba ya mbulamatadi, ke bualu kayi ID wa muntu udi ukubikila kena ne tshia kueyemenyibua bu tshijadiki tshia muntu udi ukubikila to.

Ntshinyi tshindi mua kuenza pikala muntu udi unbikila mumanye nimero wanyi wa Social Security, adrese wanyi wa kumbelu, ne dituku dianyi dia diledibua?

Mikanda ya malu a muntu idi mipeta kudi benji ba malu mabi ku diambuluisha dia dishipa dia mikenji ya malu a bungenda, mikanda ya bantu bonso, ne mikanda ya ku Enternete ya mîdima. Muntu udi ukubikila udi ubala nimero webe wa Social Security, adrese webe anyi dituku diebe dia diledibua ku telefone kena uleja ne: udi muena mudimu wa mbulamatadi to; bidi anu bileja ne: bavua bapete malu ebe ku diambuluisha dia dishipa dia mikenji dia kumpala. Ela tshimanyishilu tshia bukubi tshia lukasa pa luapolo lueba lua mfranga kudi Equifax, Experian, ne TransUnion, ne ukanga telefone diakamue.

Ntshinyi tshidi tshienzeka meme muele telefone kudi muena mudimu wa mikenji mulelela?

Kukanga telefone ki mbualu bubi to. Bena mudimu ba mikenji badi bumvua mudi malu a dishima a ku telefone mitangalake bikole ne kabakunyoka muena ditunga nansha kakese bua mudiye ne budimu to. Shi mumanyi wa malu a mbulamatadi anyi muena mudimu wa mbulamatadi udi dijinga ne kukubikila, nealue ku nzubu kuebe anyi muaba uudi wenzela mudimu, neakuleje tshimanyishilu tshiabu tshia or ne mikanda yabu ya dianyisha, anyi neakutumine mukanda mufunda pa mukanda wa mbulamatadi udi ukulomba bua kubikila tshiamu tshia mudimu tshiabu tshinene.

Ndi mua kupeta makuta anyi meme mutume makuta ku ATM anyi musumbe karte ka dipa anyi?

Makuta adibu batuma ku diambuluisha dia kiosques ya cryptocurrency anyi karte ka dipa ka mu magazen a dipanyishila bintu kaena mua kupingajibua padibu bafila bintu ebi ku blockchain anyi padibu bapingaja code ya PIN ya karte ka dipa ku Enternete to. Udi anu ne tshia kufila luapolo lua malu mabi kudi tshibambalu tshia bampulushi tshia muaba unudi, kudi procureur général wa ditunga, ne kudi FBI Internet Crime Complaint Center ku ic3.gov. Kufutshi nansha kakese bena mudimu ba ku Enternete badi bamba mudibu mua kubuela mu blockchain anyi kukupingajila makuta ebe bua difutu dia kumpala, bualu midimu yonso idi kayiyi ya mbulamatadi idi ya dishima.

Miaba mifumina

  • Federal Bureau of Investigation (FBI, United States): Dimanyisha dia mudimu wa mbulamatadi: Bena tshinyangu badi badienzeja bu bena mudimu ba mikenji ne bamfumu ba mbulamatadi badi balomba difuta dia makuta ku diambuluisha dia Cryptocurrency ne Cash Couriers (ic3.gov).
  • United States Marshals Service (USMS, United States): Consumer Alert: Nationwide Threat of Imposter Scams Involving False Warrants and Jury Duty Threats (usmarshals.gov).
  • Federal Trade Commission (FTC, United States): Consumer Guidance: Mushindu wa kumona, kuimanyika, ne kumanyisha malu a tshinyangu a mbulamatadi (consumer.ftc.gov).
  • Internal Revenue Service (IRS, United States): Tax Scams / Consumer Alerts: IRS Criminal Investigation Warns of Aggressive Telephone Imposters (irs.gov).
  • Mulombodi wa malu a bitadi (TIGTA, États-Unis): IRS IRS Impersonation Scam Reporting and Advisory Portal (tigta.gov).
  • Tshibambalu tshia dikokangana ne tshia disumba dia bintu tshia mu Australie (ACCC, Australie): Scamwatch: Mbulamatadi ne bena mikenji badi benza malu a dishima (scamwatch.gov.au).

Malu adi apetangana