Don't Give PAN Number to Unknown Callers

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Lots of fraud calls have started coming after the lockdown started…First they were asking for Debit/ATM card number & now they are asking for PAN card number with a fake promise that you have a pre-approved CC offer with like 5-10 lacs limit… laughing laughing

Please don’t tell anyone your PAN/card number over the phone until you are sure that they are indeed bank employees…

You will get these calls mostly from unknown Mobile numbers so have TrueCaller installed…Lots of times I have seen that the numbers have already been reported several times so when these types of calls come, I can stay prepared on what to say…

Even banks don’t tell the CC limit in advance…We can only get to know how much we got only after opening the welcome kit and these people telling the card limit without even picking up the docs… laughing laughing

Today I got a call like this so thought about sharing…Previously also got several calls like this but I didn’t give my PAN number over the phone, sometimes even to few bank employees…

Today a lady called me and said “Sir ek Pre-Approved offer hain Standard Chartered bank ke Credit card ka…Aapko 7 lacs Credit limit milega”…I told her that I already have one card from SCB & they don’t allow to hold two cards at a time"…

Then she replied " Sir apka PAN number bataiye, main check karke apko bolti hu"…

I replied : “Mam yehi sab karne ke liye apko apke maa baap ne paal pos ke bada kiya tha, ke aap logo ko cheat kar sako”??

Phir ek lambi khamoshi & she hung up the phone on me… laughing laughing

Last time one man claimed that he’s my branch manager from SBI & asked me for my Debit card number to give me cashbacks…

I gave him this number : 4204 4204 4204 4204 Expiry 07/23 & CVV 420… laughing laughing

He said Sir aisa number nhi hota…Maine bola ha Sir apke liye special number liya hain 420 wala… laughing laughing

Then he got angry on me & I told him that, I don’t even have any account in SBI…And he hung up the phone on me… laughing laughing

This is a serious matter though…These morons earn a full time income by doing all these…Senior people who don’t know much about banking give these assh*** what they want & become the victims of banking fraud…All banks send emails regarding these but not many people read those emails (especially senior people)… pensive

30 Comments  |  
11 Dimers
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Not related, but when I give copies of aadhar/pan/passport when required I make sure to write the purpose and date. I write this on the id (not the white paper around it) so that the employees don’t think of misusing. If they refuse just tell them to attest themselves showing the original id that the details are right and you would want to make sure that your photocopies are not misused.

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1. these guys talk unprofssionally and gets angry soon you caught their neck
2.they will dream offer like card will get approved in 1 hour , and LTF
3.i just asked them to give what they say in writing and they known that its not their piece of cake and they hung up and gone
4. make sure to report as spam and adorn with good name like Green-mango-more on truecaller so that others can be beware of them

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this has been launched by google

Google announces Verified Calls to identify genuine callers, reason for calling

Verified Calls is a feature that will be available for Android users and will help tackle phone fraud

https://www.desidime.com/discussions/google-ann...

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rsai01 wrote:

Not related, but when I give copies of aadhar/pan/passport when required I make sure to write the purpose and date. I write this on the id (not the white paper around it) so that the employees don’t think of misusing. If they refuse just tell them to attest themselves showing the original id that the details are right and you would want to make sure that your photocopies are not misused.

Physical documentation is still fine & we can be certain that they are indeed bank employees because they come with banking documents/files etc but no-one should provide any such private details over the phone…

Too many people are after hacking the PayTM accounts too…

I get lots of SMS & calls regarding that too and funny thing is that, all the messages that claim that they are coming from PayTM always have some typos in them…They didn’t master the art yet… laughing

And @demerius2020 , I always report the numbers to TrueCaller writing the real reason like “SBI Card Scam Calls” and “Don’t Pick Up this Fraud Call” etc… laughing laughing

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Just received this SMS…Why these scammers don’t include the link of the Google Translator with these SMS’es also ?? laughing laughing

“Your Account will be not work”…….Inki English dekhke main apna English bhul jaata hu…. laughing laughing

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Any problems if we give PAN number to someone? How can they misuse it?
P. S. I just gave it to a sbi credit card caller yesterday

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rohan8397 wrote:

Any problems if we give PAN number to someone? How can they misuse it?
P. S. I just gave it to a sbi credit card caller yesterday

Yes it can be misused… People can even take loan on your PAN card and you won’t know… Some unknown companies and apps give loans based on just the PAN number… This already happened in several places before and maybe still happening… Few people shocked to see unknown loan accounts and amounts on their CIBIL… Don’t give anyone your PAN number over phone until you are really sure that he/she is a real bank employee…Fake people calls everyday to innocent customers pretending bank employee…Install TrueCaller app if you haven’t already…Until the number shows a Verified TrueCaller number, don’t give anything to anyone over phone…If the number shows as unknown without a proper name, don’t give your PAN card…Several times I get incoming calls where TrueCaller showing me that how many people already reported the numbers and several of those numbers show as Fraud/Scam etc which means the numbers were already reported for fraud so I get to know the reality of these callers even before picking up the calls and talk to them based on what the caller id is showing to me…

Even if the PAN number doesn’t get misused, You still will not want unknown people checking your CIBIL, do you??

Tell them straight to provide his/her official email id (No gmail or hotmal but @ bankname.com type ids) where you can send him or her the PAN number as you won’t be sharing the number over ohone…And if the employee is real, he/she will give you one… If it’s a scammer, they will keep insisting you to share over the phone only…In that case, just cut the call, block the number and report the number to TrueCaller so that next recipients can be alerted also…

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Recently got call from so called “Bank Manager, SBI” who talked about whether my debit card has been received. I first asked him which branch. He talked about the City’s main branch which I know do not have a “Branch Manager” and has a much senior level officer. Then I asked him to give me his employee ID number. He just hang up.

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panchabhut wrote:

Recently got call from so called “Bank Manager, SBI” who talked about whether my debit card has been received. I first asked him which branch. He talked about the City’s main branch which I know do not have a “Branch Manager” and has a much senior level officer. Then I asked him to give me his employee ID number. He just hang up.

Yes since a vast majority of senior people like retired & pensioners have accounts in SBI, these scammers start the conversation claiming to be calling from SBI or as a Branch manager of SBI & I don’t know how many senior innocent people gets affected by this everyday in India who don’t understand all these & give away their debit card number to these scamsters… confused

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demerius2020 wrote:

Digitall !ndia

Hmm only profit to the scamsters but aam admi is still there where they were before… confused

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rohan8397 wrote:

Any problems if we give PAN number to someone? How can they misuse it?
P. S. I just gave it to a sbi credit card caller yesterday

You will not loose anything, just giving the PAN alone.
Combination is required, like aadhar/bank account etc.
To get the instant loan/CC, they need PAN+aadhar+bank account with same name.

However, people can claim rental receipts to claim employee tax benefits/recharge offers on wallets etc.

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I am getting call for buying some oppo phone. The lady says i can get 17k mobile in 4k.
I asked her to send me detail sms, she says yes but never got the sms. Happened 3 times.

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ramadesidime wrote:

You will not loose anything, just giving the PAN alone.
Combination is required, like aadhar/bank account etc.
To get the instant loan/CC, they need PAN+aadhar+bank account with same name.

However, people can claim rental receipts to claim employee tax benefits/recharge offers on wallets etc.

Please don’t misguide if you are not aware about it…

Customer’s bank account is not required to get a loan from some unreputed apps & sites…They give loan just based on the PAN card & no Aadhar is needed…That is why I clearly mentioned about UNKNOWN Companies & apps

The scammers can give those companies their own bank account number & it’s only the account number using which the money gets transferred..It doesn’t even matter if you use another name…Try it yourself…Put a different name in the account holder name & try to send 1 rupee to any of your other bank account using the correct account number & the IFSC code…The money will still get transferred…

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Sushrut.B wrote:

Please don’t misguide if you are not aware about it…

Customer’s bank account is not required to get a loan from some unreputed apps & sites…They give loan just based on the PAN card & no Aadhar is needed…That is why I clearly mentioned about UNKNOWN Companies & apps

The scammers can give those companies their own bank account number & it’s only the account number using which the money gets transferred..It doesn’t even matter if you use another name…Try it yourself…Put a different name in the account holder name & try to send 1 rupee to any of your other bank account using the correct account number & the IFSC code…The money will still get transferred…

There are so many PANs in internet. Why cant they use them, if it is that easy to get loan.

Please show me one App which gives loan with PAN and without aadhar.
I will pay you(or any one) fee for each app.

PS: Any loan can be deposited in the bank account of that PAN card person only. They can not even deposit into your family accounts. There is a logic behind that. Avail any personal loan either online or offline to know the logic.

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rsai01 wrote:

Not related, but when I give copies of aadhar/pan/passport when required I make sure to write the purpose and date. I write this on the id (not the white paper around it) so that the employees don’t think of misusing. If they refuse just tell them to attest themselves showing the original id that the details are right and you would want to make sure that your photocopies are not misused.

yes…i also do the same. plus1 plus1

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very good post to aware dimers……thumbs up plus1 plus1 

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I received similar messages from QP-NCCARD a couple of weeks ago in 2 nos. that were regd. with bank accs. Included was a no. to which missed call was to be placed for further details. Received a call next day but the agent after enquiring about the DOB said that it was above the upper age limit for CC issuance! Dunno it was a scam call or not. Anyways if the date of birth alone is leaked can that be a cause of concern?

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insta wrote:

I am getting call for buying some oppo phone. The lady says i can get 17k mobile in 4k.
I asked her to send me detail sms, she says yes but never got the sms. Happened 3 times.

Tell them that you want iPhone 11 Pro Max at 1000 & they won’t call you again… laughing laughing

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LIMBO wrote:

I received similar messages from QP-NCCARD a couple of weeks ago in 2 nos. that were regd. with bank accs. Included was a no. to which missed call was to be placed for further details. Received a call next day but the agent after enquiring about the DOB said that it was above the upper age limit for CC issuance! Dunno it was a scam call or not. Anyways if the date of birth alone is leaked can that be a cause of concern?

DOB itself can’t be misused unless you have set that as a password or as a security answer on any site and yes many people set their DOB as their password on some sites and also as Security question to reset the password…So if someone has set his security answer as his DOB, the hacker “may be able” to reset his password depending which site is that because not all sites are well secured…

Please don’t even bother responding to these SMS messages until the proper company or the bank’s name shows up as the SMS sender…

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akki.akki wrote:

very good post to aware dimers……thumbs up plus1 plus1 

Thank You Akki Paaji… grinning

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@Sushrut.B
thank you for your comments, helps me alot
i applied for citi card via amazon,when i see offer in my amazon account.after submitting my details and otp,immediately i got call from them.he asked and i gave my details,like pan,aadhar,home addres,and my fathers home address(home town address also,i don’t understand why he asked this) after that 1 person came and collected papers,photo from me.but until now i haven’t get card.from the last 35 days,in online, showing rejected and when i called cc,they are saying there are some issues from their side,so delaying,and will update on or before 25th.but until now i don’t know any thing about my card status.after reading these comments..omg
any suggestion from your side?

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complicate_simplify wrote:

@Sushrut.B
thank you for your comments, helps me alot
i applied for citi card via amazon,when i see offer in my amazon account.after submitting my details and otp,immediately i got call from them.he asked and i gave my details,like pan,aadhar,home addres,and my fathers home address(home town address also,i don’t understand why he asked this) after that 1 person came and collected papers,photo from me.but until now i haven’t get card.from the last 35 days,in online, showing rejected and when i called cc,they are saying there are some issues from their side,so delaying,and will update on or before 25th.but until now i don’t know any thing about my card status.after reading these comments..omg
any suggestion from your side?

1) Did you post your phone number anywhere in public regarding the same issue ?? Never do that if you have done that…I learned it the hard way myself…Several years ago, I have mistakenly provided my mobile number to PayTM on their timeline & not by messaging…It was actually too early in the morning & I mistakenly did that because my sleep was still not over.. :/

After that I got several calls from unknown mobile numbers claiming to be calling from PayTM…One of them even asked for my PayTM password & told me that he will need it to fix an issue which I was facing with my PayTM account which I wrote publicly on PayTM’s twitter timeline…

These people are always spying on the big payment companies & bank’s twitter & Facebook timelines & searching for frustrated customers who are facing issues & providing their mobile numbers in public…Many people still do these…

These scammers read those frustrated customer comments, take their mobile numbers from FB & Twitter timeline of the companies & start calling the customers & it’s natural for the customers to believe that the calls are genuine & it’s the company employee calling them because they only posted their numbers on the company’s official social timelines & then they become a victim of fraud..

So, if you have applied directly from Amazon & you have never publicly disclosed your mobile number anywhere, you don’t need to worry…Cards can get declined due to several reasons & is a natural thing…I have not applied for the CITI card via Amazon or Zomato so not sure how the work & only people who applied for this CC via Amazon can tell you if they ask for father’s home address & town or not because I’m listening about this for the first time myself also…

Call both the customer care numbers of Amazon & CITI & provide your application number & if both of them say that it’s got declined, then it’s declined…

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@Sushrut.B
thank you. i nvr shared my phone number or other details in these companies facebook/twitter pages.calling to cc number only,

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complicate_simplify wrote:

@Sushrut.B
thank you. i nvr shared my phone number or other details in these companies facebook/twitter pages.calling to cc number only,

Then it got declined brother…Try again after 6 months…

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Just now received another fake call…One lady from Orissa (as per Truecaller) called & told me exactly the below…

“Sir main HSBCHMPC…Sorry HDFC bank se bol rahi hu…Aap apne card ka limit badhana chahte hain?” laughing laughing

I said no mam…Already bahot limit hain…Aur nhi chahiye…

She said “kya Sir”?? I replied to her : “Ha mam jarurat se jyada limit hain, aur nhi chahiye”…She got shocked & hung up the call because she didn’t expect this reply… laughing

I can’t misbehave with ladies even though I know these people are fraud…I can’t go down to their level but thanks to TrueCaller (no Truecaller Profile DP & no Verified TrueCaller profile), I can stay prepared in advance even before picking up the calls…She can’t even pronounce the bank name properly & neither she can speak Hindi properly & claiming to be calling me from HDFC bank & that too from an Orissa number from where no real credit card company people ever call customers…

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@Sushrut.B
k.i don’t understand.then why they are saying it’s under process,when i called. pensive
any way,then i better wait for other good card banner in amazon
like sbi simply click or amazon pay icici card
edit:
actually i applied for this card, especially for d-mart(in so many threads,so many dimers said it’s departmental store).but after reading so many threads,found so many other cards are there for offline grocery and departmental stores

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complicate_simplify wrote:

@Sushrut.B
k.i don’t understand.then why they are saying it’s under process,when i called. pensive
any way,then i better wait for other good card banner in amazon
like sbi simply click or amazon pay icici card

For SimplyClick you can apply directly on SBi site…Here’s the link…They are doing Video Kyc now mostly so most probably no-one will come to pickup physical docs…You won’t see this card banner on Amazon…

So, apply directly on the official site here : https://www.sbicard.com/en/personal/credit-card...

And for Amazon Pay ICICI Card, keep checking this page on Amazon specially dedicated to apply for this card : https://www.amazon.in/cbcc/mark...ge

You will get the Apply now option enabled on the above link when you are eligible for it so keep checking it once in a while…

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complicate_simplify wrote:

@Sushrut.B
k.i don’t understand.then why they are saying it’s under process,when i called. pensive
any way,then i better wait for other good card banner in amazon
like sbi simply click or amazon pay icici card
edit:
actually i applied for this card, especially for d-mart(in so many threads,so many dimers said it’s departmental store).but after reading so many threads,found so many other cards are there for offline grocery and departmental stores

For offline, go for SimplySave & NOT for SimplyClick…SimplyClick is better for only online purchases while SimplySave is better for offline purchases…

You can apply for SimplySave on the official site directly here : https://www.sbicard.com/en/personal/credit-card...

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