Fake Health Insurance SMS: here is the modus operandi of the scammers

After the professional training account (CPF) scam, it is now the à la carte Vitale scam that is rampant in France. So much so that it has become the second most widespread in France, specifies The Parisian, behind that of the false child pornography offence. As Capital already mentioned last January, several French people had received a false message telling them that they had to change their Vitale card. Obviously, this is a maneuver to extract money from you, and the crooks are using increasingly sophisticated techniques, as revealed by an expert from Cybermalveillance.gouv.fr: “It doesn’t stop, it’s is the scam that comes up the most this year. Hackers buy turnkey kits, with very well-made sites, without faults.”

A woman interviewed by our colleagues tells how she fell into the trap after receiving this famous message: “Your new Vitale card is available. Please complete the form in order to continue to be covered via the site.” All accompanied by a link starting with bit.ly. The young woman, who says she has a prescription to renew very often, considers that with this scam we touch “the heartstrings of health”. She then came across a site that looked like two drops of water to that of Social Security. The procedure is then very simple: he is asked to pay only 0.99 euros for the cost of sending the new card. The scammers then carry out errands for very large amounts on the Internet. A fake bank employee calls you to tell you that you have been scammed by impersonating the bank, and you must enter a number to validate the transactions before being reimbursed.

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Obviously, the trap has closed, and you will never see your money again. In the case of this woman, 1,200 euros went up in smoke. This is called spoofing, a technique Capital has already told you about. But the scam could stop there. In the days that follow, the scammers continue the purchases. Frightened, the young woman contacts her bank, which explains to her that the text messages received are fake and that she should not respond to them. Before being called again by someone she believes is part of her bank. The man presents himself as belonging to the repression of fraud. This is actually the same scammer who is behind the fake Vitale card SMS.

He reassures his victim and even spends an hour on the phone with her for one purpose: to validate his purchases, what he will manage to obtain. Later, the young woman will be warned by her real bank that she is overdrawn: “It’s amazing, the messages from the hacker and the bank intersect on the same SMS conversation. And to say that I thanked him when he stole 1,230 euros from me…”, she annoys today. Angry, the young woman questioned by The Parisian is also disappointed with her bank, as she has not seen her money today. She told him that she was not going to reimburse her, because she had “committed negligence” by giving her “bank details”. For Cybermalveillance, negligence is “the number one excuse of banks” and it is not normal that one can be called by a number which takes again that of your bank. For its part, the Health Insurance recalls that it never asks for medical information or bank details by message.

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