Victim usually fall prey due to fear, naivety or greed
Fear, naivety and greed may have caused victims to fall prey to scammers who cheat them of thousands of ringgit, says MCA Public Services and Complaints Department head Datuk Seri Michael Chong.
He said aside from making phone calls, scammers would also write to the victim or even meet them in person.
“They claim to be government officers and they want you to park the money (temporarily) and you can take it back later – so the money will not be confiscated,” he said while elaborating on how some victims were conned.
“Are there such people who are kind enough to ask someone to hide their money? When I asked, the victims could not answer me,” he added.
Chong said some victims revealed that the scammers who claimed to be government officers had spoken to them in Mandarin, which is uncommon as the medium of instruction used by civil servants is either Bahasa Malaysia or English.
Some of them have also received calls after office hours, which is out of the norm.
“They will frighten victims by saying that they have been charged with money laundering or their property will be confiscated. Many victims get duped because they are scared.
“Let me ask one thing: if you have not done something wrong, then why are you scared? The conmen will know that you have done something wrong from the way they talk to you, and they will scam you further,” he added.
Chong said most of the victims will be told not to divulge any information to their family.
He cited a case where the scammer had accompanied the elderly victim to the bank to withdraw money. They would, however, wear a cap or sunglasses to ensure they cannot be identified or captured by CCTVs. The scammers would also address the victim as their parent to avert suspicion.
He said some victims were told not to cut the (phone) call until the “job” was done, and this could sometimes stretch for hours.
As for those who were lured with the promise of big prizes, Chong noted that simple logic applied here.
“If you didn’t buy any lottery ticket, how do you expect to strike the lottery?” he said.
There is also no clear demographic of scam victims.
“Age is not a factor but of course elderly victims are easier to target,” he said.
Chong also said banks should also be alert when elderly citizens are seen withdrawing huge amounts at one go.
Macau scams: Spot, avoid and report scammers
Last year, 1,585 Macau scam cases were reported nationwide resulting in RM560.8mil in losses.
This year, the number has already reached 1,258 cases between Jan 1 and April 19, involving RM65.4mil in losses.
ALSO READ: Got your EPF money? Beware the scammers
The Macau Scam modus operandi often starts with a phone call from someone pretending to be an officer from a bank, government or law enforcement agency or debt collector.
The scammer will then claim that the potential victim owes money, has an unpaid fine or has even been implicated in a crime.
The victim will then be given a choice to settle the matter – by transferring his funds to a mule account designated by the “officer” or by facing “dire consequences”.
These unsuspecting victim will then be asked to make payments to get him off the hook.
Hundreds of millions of ringgit have been lost to these scammers, who pose as officers from government agencies such as the police, Bank Negara Malaysia (BNM) and even the Inland Revenue Board (LHDN).
ALSO READ: It's all in the details
The range of victims have also expanded to include those in the professional line such as doctors and lawyers.
Kuala Lumpur Commercial Crime Investigation Department (CCID) chief Asst Comm Mohd Mahidisham Ishak said several factors may address why Macau scam cases are still occurring.
“We believe it is a combination of a few things.
While we have conducted various campaigns to increase awareness, it could be that the message has not reached society thoroughly.
“We have utilised various platforms, including social media and public transport to spread more awareness on Macau scams.
“We will step up such campaigns to include having talks in schools to ensure that knowledge on such scams reach the masses,” said ACP Mohd Mahidisham.
Changes in the scammers’ modus operandi might have also contributed to such cases still occurring, ACP Mohd Mahidisham added.
“Scammers have posed as officers from the police force, Customs department, BNM and LHDN in the past.
“As mentioned in the past, scammers also used the Voice Over Internet Protocol (VOIP) to mask their phone numbers.
“We hope the public will remain vigilant against such tactics,” he said.
ALSO READ: Recent cases of Macau scams tell a sorry tale
Victims not informing family members or authorities due to embarrassment could be another factor for such cases, he lamented.
ACP Mohd Mahidisham is also concerned that such scam methods have become more elaborate.
“Usually, the harassment by the scammers will last between one to two hours.
“However, since last month, we have been recording cases where the victims were harassed for about a week. It is important for family members to act if they spot any changes or peculiar actions (faced by the affected family member),” he said.
ACP Mohd Mahidisham also reminded the public that agencies such as the police do not conduct investigations over the phone.
“Witnesses or those who can assist the investigation will be required to make an appointment so that their statements will be recorded at the police station or headquarters.
“Don’t be fooled by such calls ... better yet, if you do not recognise the phone number, do not answer the call,” he stressed.
The public should never divulge any banking details to a third party, he added.
“Banking details should be kept safe. Don’t register the phone number of others for your bank account,” he said.
ACP Mohd Mahidisham urged those with enquiries to contact the CCID Scam Response Centre at 03-26101559/1599, Whatsapp the CCID info-line at 013-2111222, or log on to semakmule.rmp.gov.my.
“Utilise the facilities that we have prepared for the public.
“Preventing and busting scams, especially Macau scams, remain our priority,” he said.
Meanwhile, Bukit Aman Commercial Crime Invesigation Department (CCID) director Comm Datuk Mohd Kamarudin Md Din recently said Macau scam syndicates were using a new tactic to target Tabung Haji account holders.
“We have recorded 65 cases amounting to RM3.6mil in losses already recorded.
“Based on investigations, these activities are being conducted by Macau scam syndicates.
“They would make calls to the victims and intimidate the victims with allegations of involvement in criminal activities and outstanding credit card debts among other tactics,” he said.
He said the syndicates would then ask for the victims to disclose their banking information to clear them of any wrongdoing.
“We have now detected cases where the syndicates have withdrawn money from Tabung Haji accounts linked to conventional bank accounts belonging to the victims.
“The convenience of Internet banking facilities by Tabung Haji and other conventional banks has made this possible,” he said, adding that investigations revealed the victims had provided banking information to unknown individuals over the phones.
He said as a result, the victims not only lost money from their bank accounts but also money from their pilgrimage fund accounts.
Macau scams: It’s all in the details
PETALING JAYA: Well-choreographed storylines backed with the victims’ personal information and the ability to instil fear over possible repercussions from the authorities – these are some of the reasons many are still falling for Macau scams despite wide media coverage.
Hafishah Ab Hamid, 37, who lost over RM30,000, said she was pressured into believing her identity was stolen, which not only caused her to have RM40,000 in income tax arrears with the Inland Revenue Board (LHDN), but also “a wanted person notice” for her involvement in money laundering and drug trafficking.
ALSO READ: Got your EPF money? Beware the scammers
She received a letter purportedly from LHDN before receiving a phone call on March 29.
“I was hesitant at first, but I was transferred to a ‘Sarjan Nadia’ who asked me to Google ‘Kota Baru police station’. She said I would receive a call from that number and I did, which is when I started to fall for the scam.
“This ‘Sarjan Nadia’ then called ‘Bukit Aman’ to check if I was involved in other activities ... the background noises were realistic – you could hear sirens, people yelling ‘emergency case’, and then an officer from ‘Bukit Aman’ informed me that I was involved in money laundering and drug trafficking.
“I started to panic, but she told me to not inform anyone, not even my husband.
“She said to imagine how my husband and children would feel if they knew,” she added.
ALSO READ: Recent cases of Macau scams tell a sorry tale
During the four-hour conversation, Hafishah was also transferred to “Datuk ACP Zul”, who was supposed to clear her name and suspend an arrest warrant issued in her name.
“‘Datuk ACP Zul’ asked for information on my bank accounts, and I told him everything, including my ASB (Amanah Saham Bumiputra) details. He told me to transfer my (ASB) money to my bank account so that they could check if the money was obtained legally,” she said.
The so-called Datuk ACP Zul also sent her an Android Package (APK) file, which is the file format used by the Android operating system for the installation of mobile apps.
“When I installed the app, a Bank Negara Malaysia logo appeared and I had to provide details such as my bank, full name, identification number, user name and password.
“I didn’t suspect anything at that time because I had just transferred my money (from ASB) to my account and I saw that my balance was RM32,000.
“I didn’t think I was being cheated because I didn’t transfer money to their account, but what I didn’t know was that they transferred my money to another account,” said Hafishah.
It is understood that the app she installed allowed the scammer to access her phone and obtain her information, which included her Transaction Authorisation Code (TAC) security number.
“I didn’t get back my money – I was told that they transferred my money in stages so it is very difficult to trace (it). Bank Negara said they couldn’t freeze the scammer’s bank account.
“The scammer contacted me the next day. I informed the police, but I was told to just block their number.
“So I feel sad because even though we have their number and they are actively using it, nothing can be done to trace them,” she said, adding that she hopes others will educate themselves and not fall for such scams.
ALSO READ: Spot, avoid and report scammers
Nurul Najwa Ibrahim, 23, was in confinement when she received a call from “Pos Laju” on March 10, claiming that she posted illegal items – bank and identifications cards – and these were held up at the Kuantan police station.
“The caller said I needed to lodge a police report because perhaps someone was using my personal information. When I said that I didn’t post anything, and he asked me to press ‘9’ before I was transferred to a ‘Corporal Nasir Ahmad’,” she said.
To convince her, Najwa was asked to Google the Kuantan police station phone number and she was told to expect a call from that number.
“‘Corporal Nasir’ gave (me) two options: they would issue an arrest warrant or I could cooperate.
“He sent me a bank account number and instructed me to bank in RM3,000 so he could check the source of my money.
“After a while, I thought to myself, how could they check if my money came from illegal means unless they had my bank statement? That was when I realised that I had been duped.
“But the fact that they knew my full name, my identification number and they called me using the same number as the one I Googled made me believe that they were genuine,” said Najwa.
She said she hopes that the authorities would do more to curb this scam menace.
“The public should be wary – don’t be afraid even if they claim that they have ‘police cases’ on us,” she added.
Desperate to get a new car, Mazura Mat Esa, 41, ended up falling into depression after being manipulated by a scammer on March 25.
“I saw an advertisement on an online marketplace and contacted the seller who claimed he had submitted my loan application to Maybank the same night.
“The next day, a ‘Maybank officer’ calling himself ‘Maran’ phoned and said he would help expedite the bank process for RM2,000.
“The way he spoke was so convincing and he could answer all my questions,” she said.
Mazura transferred a total of RM5,000 as “processing fees” and to book a licence plate number.
Until today, she still hasn’t received her dream car.
With the inclusion of the two investment schemes run by a company with international investors, there are now 302 firms in Bank Negara’s financial consumer alert list. 
Trap - as long as there is greed, Ponzi schemes will always re-emerge. 
Malaysia
world's No.1 highest civil servants-to-population ratio! Its tenure of
service legally vulnerable but notoriously difficult to dismiss