Guhagarika Uwurungika Amafaranga, Ibara ry'Inzahabu, n'Ubuhendanyi bw'Amahera y'Impongano¶

Ubuhendanyi bw’abaguzi butera imbere cane kandi butakaza cane kw’isi ntibugishingiye ku gutanga amahera canke ku makarita y’ingabirano gusa: buraheza umuntu nyawe akomanga ku muryango wawe w’imbere canke akagusanganira mu kibanza co guhagarara kugira ngo atore isanduku y’inkweto y’amahera, amabuye y’agaciro y’inzahabu canke sheki y’umucungezi w’amahera. Amashirahamwe y'ubugizi bwa nabi atunganijwe mu bihugu bitandukanye akoresha ibirwanisho bibiri biteye ubwoba vyo mu mutwe kugira ngo ahate abahohotewe gukoresha amahera yabo bazigamye: Grandparent Bail and Gag-Order Scam (aho ijwi ry'umuntu ryitwa AI-cloned canke ririra rivuga ko umwuzukuru ari we yateje impanuka y'imodoka kandi akeneye gufashwa) Government Safe-Custody / Gold Bar Scam (aho abahendanyi bigira nk'abakozi ba Leta, abatohoza ubusuma bwa banki, canke abafasha mu vy'ubuhinga bwa none bemeza abahohotewe ko amakonti yabo yo muri banki yahungabanijwe kandi ko ategerezwa guhindurwamwo amabara y'inzahabu canke amafaranga y'umubiri ashikirizwa umukozi w'ibanga kugira ngo "Department of the Tre akingirwe).

Kubera ko amafaranga y’umubiri n’ivy’inzahabu bidashobora gukurikirana igihe biva mu kuboko kwawe, guhagarika ugutanga amafaranga y’umubiri ni co kintu kimwe rudende gihambaye kuruta ibindi vyose co gufasha. Inzego zijejwe gukurikiza amategeko kw’isi yose zemeza itegeko ridasanzwe, ridasanzwe: nta sentare, umukozi w’ivy’ugutanga umutahe, igisata ca polisi, banki, canke igisata ca leta mu gihugu ico ari co cose cigera cohereza umukozi w’ubutumwa, umushoferi w’abagendera ku modoka, canke umukozi w’ibanga mu nzu canke mu kibanza co guhagararako imodoka kugira ngo atore amahera canke inzahabu. Yamara kubera ko uwo muntu ashika ku muryango wawe yoba ari umushoferi w’ibinyabiziga vy’ugusangira n’abandi atazi canke inyumbu y’amahera y’ubugizi bwa nabi yitwaje intwaro, ntukwiye kwigera ugerageza gufata umunyagihugu w’umubiri ku ibaraza ryawe. Gukomeza gufunga urugi rwawe, guhagarika guhamagara, kugenzura incuti yawe wigenga, no guhamagara abapolisi kugira ngo bafate uwo mumenyeshamakuru, birakingira umutekano wawe wo ku mubiri be n’amahera uzigamye mu buzima.

Ivyo ubikore ubu¶

Niba wewe canke uwo mu muryango wategetswe n’umuntu aguhamagara gukura amahera y’umubiri, kugura ibipande vy’inzahabu, canke gutegura umuzigo w’“umukozi w’impongano,” “umukozi w’urukiko,” canke “umukozi wa Leta Zunze Ubumwe za Amerika” ariko araza i muhira iwawe canke aho muzohurira, nushire mu ngiro izi ntambwe zitandatu ubwo nyene:

1. Funga urugi rwawe rw’imbere, ugume imbere mu nzu yawe, kandi ntuhe amahera, inzahabu canke umufuko uwo ari we wese: Ntukigere utera intambwe ku ibaraza ryawe canke ngo usohoke uja ku nzira ufise amahera canke ivyuma vy’inzahabu. Gumana urugi rwawe rw’igihuhusi n’urufunguzo rwawe rwo gupfuka naho nyene imodoka itwara ubutumwa, taxi canke imodoka ijana n’abandi yoba isanzwe ihagaze mu nzira yawe.
2. Uce uhagarika telefone ubwo nyene, naho uwuguhamagara yogutera ubwoba ko azogufata canke ko azoguha "court gag order": Abahendanyi bagumiza abahohotewe ku murongo w'amatelefone wuguruye amasaha menshi kugira ngo ntibashobore guhamagara umuryango wabo canke ngo bavugane ata buryarya n'abakozi bo muri banki. Kanda buto itukura yo guhamagara canke uzimye telefone yawe yose mu minota ibiri kugira ngo ureke kwitandukanya n’abandi mu mutwe.
3. Ntukigere uhangana n’umuntu, ngo uhagarike, canke ngo ugerageze guhagarika uwo mutumwa ku muryango wawe: Umuntu yoherejwe gutora iyo sandugu ashobora kuba ari umunyagikenye w’amahera yoshobora kuba umunyarugomo iyo afashwe mu mfuruka, canke umutumwa wa Uber/Lyft ataco yakoze yakoreshejwe biciye ku nzira y’ugutwara amapaki itazwi kandi ataco azi ko ari icaha. Niwihweze kandi ufate amafoto y’uwo muntu atwara ubutumwa n’ibara ry’imodoka yabo ata guca ku ruhande biciye ku idirisha ryo hejuru canke ku kamera y’inkengeri y’umuryango.
4. Hamagara inomero y’ivyihutirwa yo mu karere kawe ubwo nyene iyo uwugutwara ari mu nzira canke hanze y’inzu yawe: Hamagara inomero y’ivyihutirwa yo mu karere kawe (911 muri Leta Zunze Ubumwe za Amerika na Canada, 112 mu Bumwe bw’Uburaya bwose, 999 mu Bwongereza) canke ubaze kuri telefone yacu inomero z'ivyihutirwa ububiko. Bwira uwurungitse: "Umukozi w'ubuhendanyi atunganijwe ari mu nzira aja iwanje ubu nyene kuri [Aderesi] kugira ngo atore [Igiciro] mu mafaranga/inzahabu. Ndapfungiwe neza imbere. Ndasavye mwohereze abapolisi bacungera umutekano kugira ngo bafate iyo modoka."
5. Suzuma umwuzukuru wawe canke uwo mu muryango wawe mu guhamagara inomero yiwe ya telefone izwi canke uwundi muvukanyi wawe ataco akora: Nimba uwuguhamagara yavuze ko umwana wawe canke umwuzukuru wawe ari mu munyororo canke mu bitaro, hamagara inomero ya telefone ngendanwa y’uwo muvukanyi yazigamye, abavyeyi biwe, canke ishure/aho bakorera ukoresheje telefone itandukanye. Naho ijwi ryo kuri telefone y’ubuhendanyi ryumvikana nk’iry’umwuzukuru wawe, amasegonda atatu yo gukora cloning y’ijwi ry’umuryango bisaba gusa videwo ngufi yo ku mbuga ngurukanabumenyi.
6. Niba waramaze guha umuzigo umukozi w'ubutumwa canke wohereje isandugu biciye kuri FedEx, UPS, canke DHL mu masaha 48 aheze, hamagara abapolisi n'abakozi bajejwe gucungera ubusuma bw'umuziki w'ubutumwa ubwo nyene: Ha abapolisi amasanamu y'inkengeri y'umuryango wawe biciye ku muntu atwara ubutumwa, umunota nyawo wo gutwara ubutumwa. igisata c’umutekano gifise inomero yo gukurikirana kugira ngo gikore igikorwa c’ivyihutirwa Package Intercept Hold imbere y’uko iyo sandugu ishikirizwa.

Amafaranga yoherezwa n'igiti c'ingingo yo gufata inzahabu¶

Igihe umuntu ari kuri telefone asaba amahera y’umubiri canke ivyuma vy’agaciro, canke iyo ubonye umunyamuryango w’umuryango akuze ariko arategura umuzigo wo gutora, uce ukurikize uru rutonde rw’ingingo ubwo nyene.

flowchart TD
    Trigger["Uwuhamagara Asaba Amahera y’Umubiri, Ivyuma vy’Inzahabu, canke Icegeranyo c’Umucungezi w’Amafaranga kugira ngo ashobore gufungurwa, amahera y’amategeko, canke uburinzi bw’ububiko bwa Leta"] --> StageCheck{"1. Ubu igikorwa co gucuruza kiri mu ntambwe iyihe?"}
    StageCheck -->|"A. Ukiri kuri telefone canke kuri banki / umucuruzi w’amabuye y’agaciro imbere yo gukura amahera"| StopBank["Hanika Telefone Ubwo nyene; Bwira Umucuruzi wa Banki canke Umucuruzi w’Ivyuma vy’Ibuyeri Ukuri: ‘Umuntu Yampamagaye Yambwiye Nkureho Ivyo’."]
    StageCheck -->|"B. Amahera canke Inzahabu Biramaze Kuba Muhira; Umutumwa ari mu nzira canke hanze"| LockHome["Gufunga Inzugi Zose & Amadirisho; NTUISHURE Urugi; Hisha Amahera/Inzahabu Ataboneka Imbere mu Nzu"]
    StageCheck -->|"C. Igikapu Cashikirijwe Uwugirungika mu Minota 1 gushika kuri 60 iheze"| JustLeft["Hamagara 911 / 112 / 999 Ubwo nyene; Tanga Insobanuro y'Imodoka, Iyo Uja, na Videwo y'Inkengeri y'Umuryango"]
    StageCheck -->|"D. Amahera canke Inzahabu Vyarungitswe mu Gasandugu biciye kuri FedEx, UPS, USPS, canke DHL"| ShippedBox["Hamagara Ibiro vy’Umutekano vy’Umutwazi Ubwo nyene Ufise Inomero yo Gukurikirana Kugira ngo Ufate Impapuro z’Ivyihutirwa; Hamagara polisi"]
    StopBank --> VerifyFam["Hamagara uwo mu muryango ku nimero yiwe yazigamye kugira ngo wemeze ko ataco abaye"]
    LockHome --> Call911["Hamagara 911 / 112 / 999: Raporo y'Umukozi w'Ubuhendanyi Akora Ashitse kuri Aderesi yawe kugira ngo Polisi Imufate"]
    Call911 --> CourierType{"2. Mbega uwo mumenyeshamakuru aradodora ku muryango wawe imbere y’uko abapolisi bashika?"}
    CourierType -->|"Ego: Ubutumwa buri ku ibaraza"| NoConfront["NTUKUNGURE Urugi canke ngo Uhangane n’Umurungika; Vuga Ukoresheje Camera Canke Idirisha: ‘Abapolisi Bari Mu Nzira, Nimuve Ubu’"]
    CourierType -->|"Oya: Abapolisi ni bo babanza gushika"| PoliceTrap["Gumana Imbere Gushika Abasirikare Bambaye Impuzu z’Igihugu Bemeje ko Uwo Muriwe; Tanga Inyandiko z'Amahamagara, Ijambo ry'Ibanga, n'Ivyanditswe"]
    NoConfront --> RecordPlate["Kwandika mu maso h'umutumwa, igikoresho c'imodoka, n'ibara ry'uruhusha ku kamera y'inkengeri y'umuryango ku bashakashatsi"]
    JustLeft --> BankReturn["Gusubiza amahera yose asigaye canke inzahabu mu gasandugu k'amahera ka banki kagenzuwe ubwo nyene"]
    ShippedBox --> FileIC3["Dosiye Raporo Yemewe na Polisi yo mu Karere, FBI IC3 (US), canke Ubuhendanyi bw'Ibikorwa (Ubwongereza)"]

Ubuhinga bw'umubiri w'ibintu bitanu bikomeye vy'ubutumwa n'ubuhendanyi bw'amabuye y'agaciro¶

Udakunze ubuhendanyi bwa kera bwo kuri telefone busaba amadolari 1.000 mu makarita y’ingabirano y’ubudandaji, ubuhendanyi bw’abarungika ubutumwa bushingiye ku mubiri bugenewe guca ku mipaka y’ubuhendanyi bwo gutanga amahera kuri banki maze bwibe amadolari 20.000 gushika ku madolari 500.000+ mu gicugu kimwe. Gereranya inyandiko zitanu zihambaye ziri aha hepfo.

Uko womenya no guhagarika ubuhendanyi bw'ubutumwa bugenewe umuvyeyi canke uwo mwubakanye akuze¶

Kubera ko abahendanyi batera ubwoba abashikiwe n’ivyago ko bazogirira nabi cane umwuzukuru canke ko bazoca bafatwa n’ubutegetsi bwa Leta iyo babibwiye uwo ari we wese, abakuze bafatwa mu bikorwa vy’ubuhendanyi vy’imisi myinshi vy’inzahabu canke vy’ugutwara amahera akenshi bahisha amatelefone abo bubabakanye n’abana babo bakuze. Raba aya mabendera atandatu y’inyifato y’umutuku mu muntu wo mu muryango:

6 ibimenyetso ko umunyamuryango ariko aramenyerezwa n'umubeshi w'ubutumwa ubu nyene¶

1. Guguma uhamagara kuri telefone ngendanwa amasaha menshi mu gihe usohotse mu nzu ufise igitabu c’amafaranga, igitabu c’amahera, canke umufuko w’ibintu: Abahendanyi bahatira abahohotewe gukomeza guhamagara telefone imbere mu gasakoshi kabo canke mu mufuko w’ishati mu gihe bariko batwara imodoka baja muri banki kugira ngo uwo mubeshi ashobore kwumviriza ikiyago ku idirisha ry’ibarabara.
2. Ibanga ry’igihe gito, ubwoba, canke inkuru z’igipfukisho zari ziteguwe zijanye n’ugugura gukomeye: Iyo umuvyeyi akukurutse abwira uwo bubabakanye canke umukozi wa banki ko bakeneye amadolari 40.000 y’amahera canke ko bamurungikira amahera kugira ngo “bagure imodoka ya kera,” “basubize kwishura umukozi w’amasezerano mu mafaranga,” canke “bafashe umugenzi wiwe kugira ngo bagure amahera,” yet script itangwa n’umunyaruyeri.
3. Amahamagara canke ibirungikwa bitasobanutse bivuye ku bacuruzi b’ivyuma vy’agaciro / ivyuma vy’inzahabu: Kwakira ubutumwa bw’agaciro kanini bufise ubwishingizi bwa FedEx canke ubutumwa bw’ibirwanisho buva ku gicuruzwa c’ivyuma vy’inzahabu n’ifeza, canke kubaza ibijanye n’ugushira amahera kuri konti y’ubucuruzi ku mucuruzi w’ivyuma wa Barcam3se, ni ha Phacam3se.
4. Gutegura akazu k’ikarata, akazu k’inkweto, canke ibahasha ya manila yanditsweko ijambo ry’ibanga: Abashikiwe n’ivyago barategekwa gupfuka ibirundo vy’amafaranga y’amadolari 100 canke amabara y’inzahabu mu gipande c’aluminium n’agapapuro k’inkweto imbere mu gasandugu k’inkweto maze bakandika ijambo ry’ibanga canke inomero y’ikinyoma ku gipapuro c’inkweto.
5. Iporogarama yo gukoresha kure yashizwe kuri mudasobwa yabo canke kuri telefone ngendanwa: Suzuma porogaramu zabo zo kuri mudasobwa canke kuri telefone kugira ngo ubone ibikoresho vyo gusangira amakuru kure (nka AnyDesk, TeamViewer, UltraViewer, ConnectWise ScreenConnect, canke Zoho Assist) ko "Microsoft/Apple/N
6. Kurindira n’amaganya iruhande y’idirisha ry’imbere kugira ngo ubone Uber, Lyft, canke imodoka idafise ikimenyetso: Nimba umuvyeyi wawe ariko aragendagenda iruhande y’umuryango w’imbere afise umuzigo mu gihe ariko araba kuri telefone yiwe, nuce ubwo nyene ubigiramwo uruhara.

Ingene abagize umuryango, abakozi bo muri banki, n’abashoferi bashobora gufasha ata nkomanzi¶

• Ku bo mu muryango: Ntukangurire canke ngo utere isoni incuti yawe; ubwoba n’isoni bituma abahohotewe bavyikingira. Fata telefone mu bugwaneza, uyishire muri Airplane Mode kugira ngo uwo mubeshi ntagume avuza induru mu gutwi kwabo, mwicare hamwe, hanyuma ubwo nyene uhamagare umwuzukuru (canke umurongo nyawo w’abapolisi bo mu karere udakora vyihutirwa) kuri telefone yawe bwite kugira ngo werekane ko ata n’umwe ari mu munyororo kandi ko ata n’itegeko ry’ubutegetsi bwa Leta Zunze Ubumwe za Amerika ririho.
• Ku bakozi ba banki n'abakozi bo mu bigo vy'ubucuruzi: Iyo umukiriya asavye gukura amahera menshi ataco amaze canke kohereza amahera ku mucuruzi w'amabuye y'agaciro y'inzahabu, akaboneka ko afise ubwoba canke akabona telefone ngendanwa iriko irakora, ubaze ataco ushizemwo: "Hoba hari umuntu kuri telefone yakubwiye ko konti yawe idashobora gukoreshwa muri banki, ko inkuru y’igipfukisho kugira ngo umbwire uno musi?" Kwereka umukiriya igitabu c’imburi ca FBI canke c’abapolisi gicapwe ku bijanye n’ubuhendanyi bwa Gold Bar / Undercover Sting akenshi biraca umugani iyo amajambo avuzwe ataco ashoboye.
• Kuri Uber, Lyft, taxi, n'abatwara amapaki yo mu karere: Amashirahamwe y'abagizi ba nabi ari mu mahanga akoresha amakarata y'inguzanyo yibwe canke amakonti yo gukoresha rimwe gusa kuri Uber Package (Uber Connect), Lyft, canke amaporogarama y'abatwara amapaki yo mu karere kugira ngo akoreshe abashoferi b'inzirakarengane kugira ngo baje gutora "amapaki y'ubusa, avuye mu nzu" ahantu ho guhagarara, canke ahantu ho kubika aho inyumbu y’inkozi y’ikibi irindiriye. Iyo umusaza afise inzu aguhaye isandugu y'inkweto ifise amajwi, akora ibintu biteye ubwoba, canke akagusaba "ijambobanga ry'ibanga" igihe akujana: nturangize gushika aho umuntu ahagarara atazi. Mugende mu modoka muje ku biro vya polisi biri hafi canke muhamagare 911 / 112 / 999 ubwo nyene kugira abapolisi bashobore gusuzuma ivyo mwagurishije no kugarura amahera y’ubuzima bw’uwagirizwa.

Uko abajejwe gukurikiza amategeko bafata ubutumwa butekanye (n'uruhara rwawe)¶

Iyo umubeshi akubwiye ko umukozi w’ubutumwa ari mu nzira aja iwawe mu minota mirongo itatu (canke ejo ku muhingamo) kugira ngo atore amahera canke amabuye y’inzahabu, urafise akaryo kadasanzwe ko gufasha abapolisi gufata urubuga rw’inyumbu z’amahera, igihe cose utazokwigera wishira mu kaga k’umubiri.

Urutonde rw'igenzura ry'ugufata abapolisi mu mutekano¶

• Intambwe ya 1: Gumana inzugi zose zikingiwe maze uhamagare 911 / 112 / 999 ubwo nyene: Bwira uwurungika ivyihutirwa ko uri intumbero y'ubutumwa bw'ubuhendanyi bukora ubutumwa bw'ubutumwa, ushiremwo ETA nyayo igihe umutumwa w'ubutumwa ategekanijwe gushika kuri wewe.
• Intambwe ya 2: Ntukigere utegura amafaranga nyayo canke ngo usohoke hanze kugira ngo wewe ubwawe ushireho isandugu y’ibinyoma: Ntukigere usohoka ukaja ku ibaraza ryawe canke ku nzira y’imodoka kugira ngo uhangane n’uwo murungika canke ngo ukinire umupolisi. Rindira imbere mu nzu yawe yugarijwe gushika abasirikare bambaye imyambaro y’igisirikare bashitse maze bafate ubuhinga bwo kugenzura ibarabara.
• Intambwe ya 3: Zigama ikintu cose c'ubuhinga bwa none ku bashakashatsi: Ntufute inomero za telefone z'uwo mubeshi, ubutumwa bwa WhatsApp, amakete y'ibinyoma "Federal Reserve / Supreme Court", canke ijambo ry'ibanga ry'ibanga. Uhe telefone yawe (canke amafoto y’ivyanditswe bikora be n’uruja n’uruza rwo gukurikirana ubutumwa) ataco uhinduye ku bapolisi bariko barasubiza.
• Intambwe ya 4: Nimba abapolisi batashitse igihe umukozi akomanga, guma inyuma y’umuryango wawe ukingiwe: Raba gusa biciye mu kamera y’inkengeri y’umuryango canke mw’idirisha ry’igorofa ya kabiri. Fata videwo igaragara neza yerekana mu maso h’uwo muntu, imyambaro yiwe be n’ibara ry’imodoka iriko iragenda ataco ikora ku muhanda. Vuga biciye mu muryango wugarijwe canke mu nsiguro y'ivyo bikoresho: "Ndazi ko ari ubuhendanyi. Abapolisi barahamagawe kandi bari muri iyi nzira ubu nyene. Muveho ubwo nyene."

Ivyihutirwa vy'ugutoranya amafaranga nimba waramaze gutanga amafaranga, inzahabu, canke kuronka¶

Nimba ugutanga amakuru kwamaze kuba, haba mu minota cumi iheze canke imisi ibiri iheze, ushireho iyi ntambwe zitandatu zo gutoranya abantu mu buryo bwihutirwa ubwo nyene:

1. Hamagara 911 / 112 / 999 ubwo nyene kugira ngo ubone ivyo ushaka: Naho uwo mutwara ubutumwa yoba yaragiye haciye isaha imwe, ibibanza vy’ubugizi bwa nabi vy’abapolisi birashobora gukoresha ibara ry’imodoka y’umutwara ubutumwa (ifashwe ku kamera y’inkengeri y’umuryango wawe canke ku kamera y’umubanyi) kamera kugira ngo bahagarike imodoka canke bahamagare Uber/Lyft kugira ngo bamenye aderesi nyayo iyo nkuru yashikanye iyo mpapuro.
2. Niwaba wohereje amafaranga canke inzahabu biciye kuri FedEx, UPS, USPS, canke DHL, ushireho igikorwa co guhagarika umutwara:
3. UPS: Hamagara kuri 1-800-742-5877 canke ukoreshe ubuhinga bwo gutanga ibifungurwa bwa UPS kuri internet kugira ngo uhagarike ibicuruzwa maze usubize ibifungurwa ku wohereje.
4. FedEx: Hamagara kuri 1-800-463-3339 usabe Ibiro vyo guhindura inzira y’ubuhendanyi / umutekano ufise inomero yawe yo gukurikirana y’imirongo 12.
5. Ishirahamwe ry’Iposita ryo muri Amerika (USPS): Baza Ishirahamwe ry’Iposita ryo muri Amerika kuri 1-877-876-2455 maze ushireho ubusabe bwo gufata amapaki ubwo nyene.
6. Niba wararungikiye amahera umucuruzi w’inzahabu y’agaciro kandi inzahabu itaratorwa n’uwo mubeshi: Gumana amahera y’inzahabu mu gasandugu k’amahera ka banki canke n’abapolisi bo mu karere ubwo nyene, canke iyo iyo nzira yoherejwe mu masaha 24 gushika kuri 48 aheze kandi inzahabu yawe itaratorwa, Isaba ryo kwibuka ubuhendanyi bwa SWIFT / Fedwire maze uhamagare umukozi ajejwe kwubahiriza amategeko w’umucuruzi w’amabuye y’agaciro kugira ngo akureho itegeko.
7. Kura mudasobwa yawe kuri internet maze ukureho porogarama zikoreshwa kure: Nimba ubuhendanyi bwatanguye n’uguhamagara kuri mudasobwa canke guhamagara abafasha mu vy’ubuhinga, zima router yawe ya Wi-Fi canke ukureho umugozi wa ethernet ubwo nyene kugira ngo abahendanyi ntibashobore kuraba igicapo cawe canke gukuraho amahera kuri konti yawe mu gihe uhamagara banki yawe. Nusabe umuhinga mu vy’urudandazwa wo mu karere kawe azwi cane akureho porogarama zose zikoreshwa kure imbere y’uko asubira kwinjira ku rubuga urwo ari rwo rwose rw’ivy’amahera.
8. Funga amakonti yawe yo muri banki, amakonti yawe y’ikiruhuko c’izabukuru, n’ibiro vy’inguzanyo: Sura ishami rya banki yawe ubwawe uri kumwe n’uwo mu muryango. Funga konti yose yo gusuzuma canke yo kuzigama iyo inomero ya konti yayo yerekanwe, gukuraho amabwirizwa yose y’uruja n’uruza canke y’ububasha bw’ubuvugizi, guhindura amajambo y’ibanga yose yo kuri internet akoresheje igikoresho gisukuye, no gushiramwo Security Freeze ku buntu ku biro bikuru vy’inguzanyo (Equifax, Experian, na TransUnion).
9. Gutanga raporo z’ubuhendanyi mu gihugu kugira ngo ushire mu nyandiko ivyo wahomvye kubera imisoro n’ugusubiza:
10. Leta Zunze Ubumwe za Amerika: Ushobora gutanga raporo ubwo nyene ku Ikigo ca FBI kijejwe gutanga ikirego c’ubugizi bwa nabi kuri Internet (IC3.gov), Komisiyo y’ubudandaji ya Leta Zunze Ubumwe za Amerika (ReportFraud.ftc.gov), no ku Murongo w’Igihugu w’Ubuhendanyi bw’Abakuze wa DOJ kuri 1-833-372-8311.
11. Ubwongereza: Hamagara Action Fraud kuri 0300 123 2040 (kandi uhamagara 159 kugira ngo uhuze ataco uhinduye kandi ataco ubaye n’igisata c’ubuhendanyi ca banki yawe nyakuri).
12. Kanada: Raporo ku Ikigo co kurwanya ubusuma co muri Kanada (CAFC) kuri 1-888-495-8501.
13. Ostraliya: Hamagara Ishirahamwe ry’ubuhendanyi (ACCC) na IDCARE kuri 1800 595 160.

Ivyanditswe mu majambo vyo guhagarika abahamagara no gutoza abagize umuryango¶

Waba uri kuri telefone n’umuntu wikekwa ko ari umubeshi wewe ubwawe canke uriko urafasha umuvyeyi afise ubwoba guhagarika telefone, kugira amajambo nyayo ateguye bica bituma umuntu ahita akoresha nabi mu mutima:

Script 1: Iyo uwuguhamagara avuga ko umwuzukuru wawe canke incuti yawe ari mu munyororo kandi ari munsi y'"itegeko ry'urukiko ry'uguhagarika umutima".¶

"Sinvuga ivy'amategeko canke ivy'amahera ku matelefone yinjira. Ndiko ndafunga telefone ubu nyene kugira ngo mpamagare abavyeyi b'umwuzukuru wanje n'igisata cacu ca polisi co mu karere." (Uce uhagarika telefone utarindiriye ko bagusubiza. Nibaguhamagara kenshi, hindura telefone yawe uyishire muri Airplane Mode iminota cumi mu gihe wewe uhamagara umuryango wawe ku wundi murongo.)

Inyandiko ya 2: Iyo umuntu aguhamagara avuga ko ari uwo muri FBI, FTC, Treasury canke Bank Fraud Unit akakubwira ngo ugure ibice vy’inzahabu canke ukure amahera .¶

"Nta kigo ca leta canke banki yigera isaba abanyagihugu gukura amahera y'umubiri canke kugura ibice vy'inzahabu kugira ngo babike neza. Ndiko ndafunga telefone nca nsubira mw'ishami rya banki yo mu karere kanje ubwanje kugira ngo mvuge n'umuyobozi w'ishami n'umupolisi yambaye imyambaro y'igisirikare." (Ntukigere ureka ngo uwuguhamagara akurungikire "umugenzuzi" canke "umukozi wa leta" ari ku murongo umwe wa telefone; amajwi yose ari muri iyo nkuru ni ay'ikigo kimwe co guhamagara co mu mahanga.)

Inyandiko ya 3: Umuryango wose "Ijambo ry'umutekano" ryo gukingira imitego y'ijwi ry'ubuhinga bwa none¶

"Imbere y'uko tuvuga ivy'ivyihutirwa canke amahera, ijambo ry'umutekano w'umuryango wacu ni irihe?" (Gushinga ijambo ryoroshe, ritazokwibagirana, ry’umuryango ritari ku murongo mu gihe c’ifunguro ry’umugoroba canke ry’ikoraniro ry’umuryango, nk’izina ry’igikoko co mu bwana canke igisagara c’ikiruhuko, ritigera ryandikwa mu nyandiko canke ku mbuga ngurukanabumenyi. Mwemere nk’umuryango ko ata n’umwe azokwigera arungika amahera, kwishura umutahe w’umuryango, canke kwemera ijambo ry’ikibazo ry’umuryango the capeller saak ubwo nyene.)

Ibibazo bikunda kubazwa¶

Mbega sentare, uwujejwe gutanga amahera y’ingwati, igisata ca polisi canke ikigo ca Leta vyoba bizokwigera birungika umukozi wo kuntwara amahera canke ibipande vy’inzahabu?¶

Oya, nta na rimwe mu gihe ico ari co cose mu gihugu ico ari co cose. Nta sentare, umucamanza, umuvugizi wa bose, igisata ca polisi, banki, canke ikigo ca Leta (nka FBI, FTC, IRS, canke Federal Reserve) kizokwigera cohereza umukozi w’ubutumwa, umushoferi w’imodoka, canke umukozi w’ibanga mu nzu yawe canke aho uhagarara kugira ngo akureho amahera yo gufungura, amande, canke “ugucungera umubiri nk’uko bazobigufasha.” bars canke amafaranga y’ibanga. Ivyo umuntu asaba vyose ngo bamuhe amahera canke inzahabu, ni ubuhendanyi bw’ubugizi bwa nabi 100 kw’ijana.

Ni gute umubeshi wo kuri telefone yovuga neza na neza nk’umwuzukuru wanje canke uwo mu muryango wanje ariko ararira?¶

Ivyuma vy’ubuhendanyi vyo muri iki gihe bikoresha ubuhinga bubiri kugira ngo bihenda incuti zikundana: ubwa mbere, bikoresha ubuhinga bwo gukora ijwi ry’abantu (AI) bukeneye gusa amajwi y’amasegonda atatu akuwe kuri videwo y’umwuzukuru wawe ya bose yo kuri TikTok, Instagram canke YouTube kugira ngo bisubiremwo ijwi ryabo n’invugo yabo; ica kabiri, bafungura telefone barira cane, bahagaze, canke bavuga ngo "izuru ryanje ryavunitse n'umupfuko w'umuyaga w'imodoka" ku buryo ubwonko bwawe buzuza ijwi umenyereye mu gihe c'inyiyumvo nyinshi. Imisi yose ushire telefone maze uhamagare uwo mu muryango wawe ataco uhinduye ku nimero yiwe ya telefone izwi.

Nokora iki iyo umubeshi ambwiye ngo mbeshe umukozi wanje wo muri banki igihe nkura amahera canke nkoresha amawaya y’amahera y’inzahabu?¶

Hagarara ubwo nyene maze ubwire umukozi wo muri banki n’umuyobozi w’ishami ukuri kwose ku bijanye n’ico uwo yaguhamagara yagutegetse gukora. Abahendanyi bama batoza abahohotewe kuvuga inkuru y’ibinyoma muri banki (nk’ukuvuga ko ayo mahera ari ayo gusanura inzu, kugura imodoka ya kera, canke ingabirano y’umuryango) kandi rimwe na rimwe bavuga ko abakozi bo muri banki ubwabo ari abagizi ba nabi bariko baratohozwa, cane cane kubera ko abakozi ba banki bamenyerejwe kumenya abakozi bo muri banki no gukingira ubuzima bwawe.

Noba nkwiye kugerageza gufata canke guhangana n’uwo murungika iyo baje ku muryango wanje w’imbere kugira ngo baje gutora iyo mpapuro?¶

Oya, ntukigere wugurura urugi rwawe canke ngo ugerageze guhagarika, guhagarika canke guhangana n’uwo mutumwa wewe ubwawe. Umuntu ashika i muhira iwawe ni umushoferi w’ubutunzi bw’ibikorwa vy’ubuhinga atazi (nk’umushoferi w’ubutumwa bwa Uber canke Lyft yakoreshejwe atazi izina ryiwe kugira ngo atore umuzigo) canke inyumbu y’amahera y’ubugizi bwa nabi yoshobora kuba afise ibirwanisho kandi akaga iyo apfutse. Gumana inzugi zawe zipfutse, hamagara 911, 112 canke 999 ubwo nyene umenye ko hari umukozi wo mu nzira, kandi ufate amasanamu mu maso h’uwo mukozi n’ibara ry’imodoka biciye mu idirisha ryugarijwe canke mu kamera y’inkengeri y’umuryango kugira ngo abapolisi bashobore gufata amasanamu.

Amasoko yasuzumwe¶

• Ibiro vy’Igihugu vy’Iperereza (FBI) Ikigo kijejwe gutanga ibirego ku bugizi bwa nabi bwo kuri Internet (IC3, Leta Zunze Ubumwe za Amerika): Amatangazo y’Igihugu ku bijanye n’ugufasha mu vy’ubuhinga bwa none, kwigira amabanki, n’ubuhendanyi bw’inzahabu zikoreshwa n’abatumwa ba Leta.
• Komisiyo y’ubudandaji ya Leta Zunze Ubumwe za Amerika (FTC) n’Ibiro bijejwe gukingira amafaranga y’abaguzi (CFPB, Leta Zunze Ubumwe za Amerika): Ubuhendanyi bw’abavyeyi bakuru, Imburi zo gukora ijwi ry’ubuhinga bwa none, n’amasezerano yo gufata abakurambere mu gukoresha nabi amafaranga.
• Igisata c'ubutungane (DOJ) Ishirahamwe ry'ubutungane bw'abakurambere (Leta Zunze Ubumwe za Amerika): Imirongo y'abarungika ubutumwa bw'amahera y'inyumbu n'amabwirizwa y'ukubuza abajejwe gukurikiza amategeko.
• Ikigo c’igihugu c’umutekano wo kuri internet (NCSC) n’ubuhendanyi bw’ibikorwa / Polisi y’igisagara ca Londres (Ubwongereza): Ubuhendanyi bw’abarungika ubutumwa: Ubuhendanyi bwo gutora amakarata ya banki, ubuhendanyi bwo gukoresha konti zitekanye, n’ugusuzuma 159 ku murongo w’ubutumwa bwa banki.
• Ikigo ca Canada kirwanya ubusuma (CAFC) na Polisi y’Ubwami bwa Canada (RCMP, Canada): Ubuhendanyi bw’abavyeyi bakuru mu gihe c’ivyihutirwa no kwirinda gutora amahera ku muntu.

Inyobora zifitaniye isano¶

• Ubuhendanyi n'ubuhendanyi inyishu yihutirwa
• Gufata ku nguvu, gutera ubwoba, no gushikura abantu ku mbuga ngurukanabumenyi
• Umunyamahanga ku muryango, uwigana, n'ugusunika mu nzu
• Guhura kw'isoko ry'urunganwe n'ukwirinda ubusuma bw'amafaranga
• Igitero co kuri interineti n'ubusuma bw'akaranga
• Ububiko bw'inomero z'ivyihutirwa