What is Call Merging Scam?
Call Merging Scam is a new type of cyber fraud where scammers trick people into revealing sensitive information, such as OTPs (One-Time Passwords), by merging calls. Fraudsters pose as trusted persons, like bank representatives or friends, and request victims to merge a third call. This call is usually an automated OTP service, which the scammers utilize to obtain unauthorized access to the victim’s bank account or UPI wallet.
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How Scammers Operate
- Step 1: The victim is called by the scammer, claiming to be a friend, company, or bank.
- Step 2: They ask the victim to join another call, saying it is urgent.
- Step 3: The second call is an automated one that provides an OTP for a transaction.
- Step 4: The fraudster hears the OTP and is able to enter into the victim’s account.
- Step 5: Money is routed out before the victim becomes aware of the scam.
Real-Life Scam Cases
1. UPI Fraud Alert
Recently, the National Payments Corporation of India (NPCI) warned on social media about rising call merging scams. Many victims have reported losing thousands of rupees because they unknowingly revealed OTPs through merged calls.
2. Banking OTP Fraud
In another case, a Mumbai-based businessman received a call from someone claiming to be his bank’s fraud detection team. The scammer tricked him into merging a call where his OTP was read aloud. Within minutes, his account was emptied.
Also Read: Govt Advises OTT Platforms on Content Standards
How to Protect Yourself from Call Merging Scams
DOs:
Verify Callers: Always confirm the identity of the person asking to merge a call.
Reject Merging Requests: If someone asks you to merge a call unexpectedly, refuse immediately.
Enable Security Alerts: Activate transaction alerts on your mobile banking apps.
Report Suspicious Activity: If you suspect a scam, call 1930 (Cybercrime helpline) or report it to your bank.
DON’Ts:
Never Merge Calls with Unknown Numbers: This is the primary trick used in this scam.
Do Not Share OTPs: No bank or UPI service will ever ask for your OTP over a call.
Don’t Click on Unfamiliar Links: Phishing links may be sent by fraudsters, which can further compromise security.
Don’t Trust Caller IDs Blindly: Scammers may use spoofed numbers which look legitimate.
Final Thoughts
As more transactions are done online, fraudsters have found innovative methods to steal funds. The best defence is awareness. Following these easy steps can safeguard yourself against falling prey to Call Merging Scams.
Read More: UPI logs 15,547 cr transactions worth ₹223 lakh cr in 2024
