The scourge of identity theft is still rampant

Le fléau du vol d’identité sévit toujours

Victim of identity theft in January, a Québécois deplores the fact that despite the addition of security measures to his credit, Desjardins would have never contacted to validate his or her identity.

The last few weeks have been very eventful for the ambulance Jeremiah Clairoux. It has never ceased to work during the COVID-19.

The 14 may last, when he consulted his account at the TD Bank, three amounts of $ 2000 had been deposited for the Benefit of canadian emergency (PKU). The next day, he contacted officials at the Canada revenue Agency to clarify this situation. An investigation has been opened.

He ensures that he never made that request.

“The government has confirmed to me that there had been a request through its internal system with an attempt to send cheques. Me, with the government, I am registered for direct deposit. It is likely a fraud,” says Mr. Clairoux, who has repaid the amounts.

The Canadian anti-fraud Centre, there were 51 reports of identity fraud, and applications of PCU since 14 April. And this figure could quickly climb over the next few weeks.

“A preliminary review of the reports indicates typically that the fraudsters ask for PKU and that the funds are directed to bank accounts that are not associated with the person who made the request,” said the organization.

A situation that does not surprise the Canadian Bureau of the Credit.

“I think it’s going to be a lot of fraud with it. The data of deceased persons may also be used. The scammers exploit all the loopholes,” says the analyst in fraud Sylvain Paquette.

Other fraud

After contacting Ottawa, Mr. Clairoux has checked his credit file with Equifax.

It is at this time that he learned that a credit card had been authorized last January at Desjardins. The address and the phone number to his file had also been modified.

This is not the first time that Mr. Clairoux was the victim of a fraud. In march 2019, a credit card had been activated without his knowledge at Desjardins. The security measures had been tightened to his or her credit record, especially with the addition of a password and a reminder system to make all changes or request for funding.

“It was supposed to be taken all measures to not have that happen again. For the new credit card, the person was able to make a expense 4285 $. Desjardins has considered this transaction to be fraudulent. However, I was never notified. For any changes or request for funding, we had to communicate with me”, digests poorly Mr. Clairoux.

The latter does not have a bank account at Desjardins. Its main link with the financial institution, in Lévis goes by his employer and his Diet program, registered retirement savings plan.

For its part, Desjardins recalls that during a fraud, the debt is repaid. Without wanting to comment on the specific case of Mr. Clairoux, the financial institution conceded that “in rare occasions”, it may happen that a loan is granted in spite of warnings to lenders.

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