Fraud Prevention Section

Telephone scams

Fraudulent groups use a specific event to make customer nervous and pretend to be a customer service staff to help handle the issue in order to gain trust of customers and eventually mislead them to operate Internet banking/mobile banking/ATM/credit card numbers and authentication codes:

• First of all, fraudulent groups lie that extra payments of NT$10,000 to NT $30,000 are required due to wrong payments of orders on the shopping website, and indicate that the they will help customers to cancel the orders.
• Then fraudulent groups pretend to be a bank customer service staff to call customers and gain trust of customers during the verification of personal information and bank account/credit card number information [Note 1].
• Through specific talks [Note 2], the customer is guided to operate Internet/mobile banking/ATM to transfer money from the account.

[Note 1] An account opening branch can be judged by your bank account number. This is public information and cannot be used to determine whether the caller is an employee of a bank.

[Note 2] Specific talks include: "I need you to activate authorization before I can help you cancel the order. You can simultaneously operate your Internet banking/credit card 3D transaction security authentication, and we will explain how to activate it.

Attention! If you have encountered frauds during the operation process, please avoid following the instructions to operate your Internet banking or ATM/Internet transaction authentication.

Text message/Email scams

Fraudulent groups pretend to be financial institutions and send phishing text messages such “Your bank account shows an abnormality, please log in immediately to bind user information, otherwise the account will be frozen” to mislead customers to log in to a fake Internet banking webpage so as to steal account numbers and passwords, and then log in to the victim's real Internet banking opened with a financial institution to make transfer. Fraudulent groups may also use the name of Chunghwa Post, DHL/SF EXPRESS or home delivery to send text messages or mails to inform people to pay shipping fees or customs duties before they send goods, and mislead customers to click on phishing links to steal their credit card information and OTP authentication codes through credit card payment websites and complete online 3D transactions.

Attention! Please be reminded that if you click on an unknown links, fraudulent groups may steal your account numbers or passwords.

Investment scams

Fraudulent groups use SMS/social media or advertisements to induce customers to invest in virtual currencies to receive considerable returns by saying "guaranteed profits, low risks, stable operations", etc. Customers are then instructed to make payments through bank transfers/credit cards/game points or are induced to transfer virtual currencies to another platform. Initially, it gives customers the illusion of profitability. However, when the amount invested achieves certain profits, the fraudulent group can no longer be contacted.

Attention! Do not trust investment opportunities from unknown sources and always seek proper investment channels.

Dating scams

Fraudulent groups pretend themselves to be a soldier, or say that they are willing to be in a relationship on the premise of marriage, with photos and sweet words to make friends online. Then, they ask customers to help transfer money by saying that they are in urgent need of funds, pay for air tickets (customs duties), or encounter significant misfortune. Fraudulent groups will also trick customers into taking indecent photos by saying warm and sweet words or require customers to pay deposits before dating. Once the transfer is made or the victim notices that something is going wrong, fraudulent groups will disappear or threaten customers with blackmail, forcing the victim to make online payments or buy game points at convenience stores. Otherwise, they will harm their families or disclose private photos.

Attention! Please stay alert once talking about money or game points and other related topics in online dating.

Transaction scams

Fraudulent groups contact a restaurant to make a reservation and request for a wine order, and then send a screenshot of mobile bank transaction results made by themselves, indicating that the transfer had been made. Afterwards, the restaurant is asked to purchase the wine from a designated online channel, and required to return the deposits.

Attention! Do not trust a screenshot of transaction results. Please double confirm the account information on Internet banking/mobile banking.

Business scams

• Hackers require customers to change remittance instructions to make payments by pretending to be overseas vendors or in the name of business windows. Characteristics of fraud letters: similar corporate logos, email addresses, commercial invoices, etc.
• Fraudulent groups use a shell company to produce a fake transaction process, falsify shipping orders or customs declarations, etc. to make customers believe that it is an actual company in operation and make payments for orders. Once the money has been collected, the account is closed or the money is quickly transferred, making it difficult to recover.

Attention! Due to the different operations on remittance from foreign countries, some banks may make payments after verifying the account number due to computer automated operations. In order to avoid losses, please make sure that the foreign payee's bank and account number are correct before remittance.

Fraudulent marketing

Fraudulent groups pretend themselves to be E.SUN Bank or E.SUN’s loan department, and provide low-interest loan information through text messages, Facebook posts, phone calls, fake loan websites, etc. When customers are in need of funds:

• They are required to register on the website to apply for a loan, take photos and upload their ID cards, and enter their account information. Fraudulent groups also lie that customers are [required to pay for certain amount of loans] before making an application.
• They are required to go to a convenient store to enter the code provided by fraudulent groups to make the convenient store [code payment] in the name of paying a [loan deposit].
• They are required to go to a convenient store to terminate [the bank account that is frozen] before claiming loans.
• They are required to send personal bank passbooks and ATM cards because their account information needs to be modified for to facilitate the applications of a large amount of loans.

Attention! E.SUN does not require customers to pay relevant fees or send personal account information during the process of loan application.

Credit card fraud

• Phishing SMS
  A phishing SMS (an SMS advertising a purported non-payment of utility bills/redemption of points from a telecoms operator/fast food store Ticket Xpress/parcel delivery) entices customers into clicking on it and revealing their credit card details, which are then used to pass the 3-D Secure authentication or added to a mobile (international) payment app to make a card purchase.。
• Landing page advertisement
  When a customer is surfing social media, they are tempted by a landing page to give away their credit card number and details, which results in personal data being leaked, the vendors disappearing, and the landing page denying access.
• Investment scams
  A scammer, by guaranteeing a high rate of return, entices a cardholder to invest. Once the cardholder perceives a profit, the scammer falsely promises even higher returns and prompts the cardholder to purchase cryptocurrency and provide account details and passwords, leaving the cardholder unable to recover the cryptocurrency.
• Dating scams
  A cardholder wishing to date an opposite sex on a dating platform is persuaded by a scammer to purchase game time at a convenient store to provide guarantee; if the cardholder refuses to obey, the scammer resorts to threatening them with their personal information and thus the safety of their family members, attempting to coercing them into buying game time.
• Fake online buyer/seller
  Fake seller: A scammer pretending to be the social media manager of a seller on a live streaming platform scams a buyer by providing the buyer with a payment link.
  Fake buyer: A scammer deceives a seller by professing they could not make purchase in shopping malls; they then demand that the seller scan the QR CODE they sent. Thereafter, a fake customer service agent and fake bank