Fraud with SNILS today is more widespread than ever before. Well-dressed young people or aggressive ladies “with a claim” are trying in every possible way to find out your retirement identifier number with enviable regularity. You can stumble upon the illegal processing of your personal data not only on the street or in the entrance, but also in moments when you are not waiting for a dirty trick. Consider the main forms of fraud with SNILS, and most importantly, tell you how to protect yourself from illegal actions.
What data can try to take hold
For potential fraud, SNILS and a citizen’s passport are a real find. Today there are many ways to manage a person’s personal information and get a pleasant reward for it.
Disseminating passport data is very dangerous. Considering that in our country it is possible to agree with everyone and everything, getting the passport in the wrong hands can result in unpleasant burdensome transactions and loans in microfinance organizations. But this is a topic for another discussion. Here is the theme of lack of sound vigilance.
But disclosing your SNILS number is quite easy. Moreover, it may seem to a person that he is acting correctly and in his own interests. This is usually not the case. Compromising SNILS is not as dangerous as a passport. But still, this action can turn out to be very unpleasant consequences for the citizen.
Why is it for scammers
Types of fraud with SNILS are not very diverse. Unscrupulous employees of various services will try to gain information with one simple goal - to illegally transfer your pension savings for management to a non-state fund.
This is all that scammers are capable of in this case. This offense seems almost harmless at first glance. Why is this not so - we will tell further.
Where the wind blows
Modern pension legislation has allowed citizens to choose how they see their future retirement. Until 2015, everyone had to decide:
- live in the old way and leave only the guaranteed insurance part of the pension;
- switch to a new system and divide the pension into insurance and funded parts.
In the first case, a citizen guarantees a precarious future, which depends on the situation in the country, the state budget, the ratio of working and non-working citizens, and so on. That is, a person runs the risk of dooming himself to the miserable reality in which most of our pensioners reside.
In the second case, one of the parts of the future pension is transferred for circulation into the hands of professional financial players. This reform was supposed to defeat poverty among pensioners, and instead created a new type of SNILS payout fraud.
Savings management
Any funds in Russia lose their value over time. The ruble is constantly falling, and the inflation rate is constantly growing. We have been living in a market economy for a long time, which means that keeping money without movement is simply short-sighted, it will simply depreciate. You can’t sew a million rubles into a mattress and live with a happy awareness of an affordable financial parachute. According to official statistics, we are becoming poorer by 9% per year. So only competent management for the purpose of turnover will save this amount.
The modern legislator follows exactly the same logic, and therefore, the pension fund transfers all the money accumulated by citizens for circulation to various financial organizations.
What is VEB
By default, the entire amount is managed by Vnesheconombank. This is not a bank in the typical sense of the word. They do not provide financial services to the population and do not change currencies. VEB is a state-owned corporation whose main purpose of existence is to study financial markets and conduct activities for the positive economic development of Russia. This is a kind of research institute that manages certain monetary assets.
Non-governmental organizations
And yet, why is SNILS fraud so popular? The fact is that modern pension legislation provides for the possibility of transferring part of the pension from public administration to private hands.
This is what scammers use.
If we talk about the appropriateness of a voluntary transition to an NPF, then this idea is being questioned. The fact is that the financial results of recent years show that VEB is achieving better commercial performance than any private organization. Thus, a state corporation manages to recoup money better than market professionals. What is this talking about? The fact that the NPF has one goal - to cash in on citizens. And the task of agents is to obtain SNILS data, with or without fraud.
The essence of fraud
What is SNILS fraud? The essence of it is always the same - by deceiving or misleading to get data from your document. Fraud with SNILS and a passport will take place when at least a photocopy gets into the hands of the offender. Then they will write an application for you to transfer the funded part of the pension to a non-governmental organization. Why is this a scam? Everything is very simple - for each given depositor they get a good agent rollback of about 3-4 thousand rubles.
Revenues from the movement of the funded part are very impressive amounts. Received payments under SNILS of citizens more than compensate for the agency costs of each NPF.
How does this happen
The usual victims of SNILS fraud are retirees. The secret is that offenders make regular rounds of apartments during the day. The traditional beginning is a doorbell, and then the text may be different.
Offenders can introduce themselves as anyone.
Consider the most common SNILS fraud options:
- The Pension Fund allegedly checks citizens' documents for obsolescence. “Everyone should have received a new model of SNILS, show which one you have,” a pseudo-employee usually broadcasts. Of course, we will not do this.
- A new state reform is planned, promising the golden mountains to citizens. But not all are suitable. In order not to miss a wonderful chance, you need to show SNILS.
- Soon all the money in the pension fund will be burned up, you need to save it, show me the documents.
Of course, this is just a drop in the bucket. Fraud with SNILS has reached enormous volumes. There was even a draw on social networks where the user was asked to enter his number and win payments of 40 thousand rubles for a whole year. Naturally, the goal was to seize personal data.
Behavioral features of scammers
The question is how exactly fraud with SNILS can succeed. The situation is strange, an outsider comes to you, waves some kind of “crust” and asks to show the documents. Who can get it?
And the target audience is people of the older generation, for whom a person in a suit and with a certificate is an authoritative and safe representative, if not the government, then the power structures.
Features of the behavior of such people:
- Very strong pressure.
- Promises to leave without retirement in old age.
- Unreasonable requirement to transfer SNILS.
- Demonstration of "fake identity" of some commercial non-state pension fund.
- Voluptuous recitative about the future possibilities of transferring the funded part to their organization.
- Threats to the older generation.
The main thing to remember is that you do not give in to the provocation of fraudsters. Their demands can sound very convincing and even reasonable. But, if you require specifics and facts, then scammers will immediately sprinkle. No need to engage in lengthy discussions with them, it is better to drive them away and as short as possible. Better call the police. If the fraudster cannot be stopped, but by all means there will be the least protected person who will suffer from their actions.
The trouble came, from where they did not wait
It was a big surprise for many people that fraud by the SNILS number is not only the prerogative of access scammers. Such an unfavorable outcome can be found even in quite decent and large organizations and financial companies.
An excellent example is insurance companies. A citizen comes to issue an insurance policy. For this, he should not have either a passport or SNILS with him. However, the employee urges you to provide these documents, citing non-existent legislation.
As a result, after some time, the client of the insurance company discovers that he is also a client of another private non-state pension fund. Similarly, banks and other financial institutions may operate. There are enough reviews on the Internet on this topic.
Fraud or not
The main problem of criminal regulation of this issue is that there is no corpus delicti in the actions of unscrupulous agents of non-state pension funds.
There is article 159 of the Criminal Code of the Russian Federation and it seems that fraud with SNILS should fall under this article. But the corpus delicti crumbles due to the fact that misrepresentation and abuse of trust does not entail causing real material damage.
An unscrupulous employee of an NPF may forge your signature in the contract.
How to check your fund
To make sure that your money does not go to one of the non-governmental pension funds, just visit the website of the RF PF and enter your personal account. To do this, it is enough to have an account on the State Services portal.
Someone who finds out the information will be discouraged, someone will begin to hysterically remember at what point in his life he will not manage his personal data carefully.
The utility is very useful. You can find out how much money has already been accumulated, from what sources the funds came from, you can even figure out what kind of pension you will have after many many years.
How to protect yourself from the actions of scammers
Thus, we come to the disappointing conclusion that the so-called SNILS fraud is becoming more and more popular, what to do in order not to fall into the trap of enterprising and dashing people and not to lose their honestly earned pension savings.
Firstly, in no case do not pass your documents to strangers. No one at all, if this is not a procedure for obtaining a medical policy.
Secondly, if an employee of an institution requires providing SNILS, ask him to explain why this is necessary. Require references to legislation, if nothing convincing is provided - ask to invite a senior employee. The main thing - remember point 1 - do not pass your SNILS even for a second, even just to look.
Thirdly, a healthy degree of paranoia in this matter will not hurt at all. Remember that in the service sector there are a lot of unscrupulous people who can easily make a deal with their conscience for the sake of short-term earnings of several thousand rubles.
Fourthly, when receiving any service, carefully read the contracts that you are offered to sign. There can be no unimportant information. There are cases when an agreement was signed with the loan agreement on the transfer of the funded part to non-state pension funds. Similar situations were when obtaining a CTP insurance policy, bank card or medical insurance policy.
If you find guests offering their services in a desperate attempt to deceive in the entrance, then your duty to stop the illegal action. Why? The reason is that you are already familiar with all the consequences of their actions, and some grandmother could seriously lose her pension payments.
Fraudsters are afraid of decisive action. Go out and ask on what basis is the processing of personal data of the population. Take a photo of the ID and employee. Inform the fraudster that he will have to leave the territory of the common house property, since the entrance is the property of the residents of the house. If the NPF dealer refuses - feel free to call a position complaining about a suspicious citizen looking for something in the entrance of a residential building.
As a rule, a police call has a beneficial effect on the work of a fraudster, he sharply loses his talkativeness and tries to escape. It is important to remember that under the cover of such activity can also be the house-makers tracking down apartments without owners. Such a development of events should not be ruled out. A few years ago, criminals received information about the dwellings of apartment buildings available for hacking in precisely such ways.
Take care of the SNILS number and passport data, fraud does not stand still and the fashionable way of dishonest earnings today may concern you at any time.