I want to know how to respond when I've been a victim of financial transaction fraud.

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Hello. I'm asking because I recently experienced a truly shocking incident. My elementary school son was almost dragged away by an unknown adult in front of his school. Fortunately, I had gone to meet him and witnessed the scene, so I quickly took him home, and the man was startled by me and ran off. In this case, even though the child wasn't actually taken, can the person be punished as an 'attempt' at child abduction?

financial transaction fraud

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作者: 김국일

Hello. The case you mentioned corresponds to financial transaction fraud, especially loan-pretense type fraud, which has been rapidly increasing recently.

It is a method of obtaining the victim's account information, authentication numbers, ID, etc. through second-hand transactions, loan offers, and investment solicitations, then using their identity to induce financial transactions or execute illegal loans.

To respond to such financial transaction fraud, you must quickly take the following measures.

-Payment suspension request: As soon as you confirm the damage, call or visit the relevant bank to request payment suspension on the account used in the fraudulent transaction.
-Damage report filing: Submit a telecommunications financial fraud damage report to the local police station or the 'Telecommunications Financial Fraud Integrated Reporting Center (112 without area code)' to officially file the case.
-Identity theft verification: Through the 'Identity Theft Verification Service' on the Financial Supervisory Service website, check the details of all accounts and financial products opened in your name to see if there are abnormal transactions.
-Securing supporting materials: Collect all provable materials such as text messages, KakaoTalk, recordings, transfer records, and authentication number transmission screens exchanged with the other party for help in subsequent criminal punishment and civil litigation procedures.

Since fraud damage recovery is realistically not simple, you should also review civil procedures such as damage compensation claims or unjust enrichment return claims in parallel with police investigation, and there is also room to hold the perpetrator or name lender jointly responsible.

Since the matter is complex, we recommend consulting with an attorney experienced in financial fraud response as soon as possible to establish criminal and civil response directions together.