online retail fraud victims in Indonesia tend to cut their losses, chalking down their experience as a lesson to be more careful before buying goods on the Internet. But there are steps that can be taken if you are a victim of such fraud. - If you can never get your money
Prevention is the best solution. So if you are looking to buy an Apple MacBook Pro with Retina display and a powerful Haswell processor, do not be lured by cheap prices on the public market sites such as kaskus.co.id and olx.co.id (formerly tokobagus. com). It makes little sense for a $ 1500 laptop from 2014 to be offered for Rp.5.55 million ($ 427), even when it is listed as secondary.
You should only buy online sellers with positive feedback established, but beware of too positive testimonials. Be alert for erroneous product descriptions. Avoid providers who ignore requests for new product pictures.
If a seller refuses to meet in a public place safe to show the advertised product and insists on a transfer rather than a direct payment instead of payment, it is probably not worth it to continue buying.
However, online forums are full of people misfortune tales that have transferred the money for the goods 'bargain', only for them to never happen. Some victims say it's not worth reporting their loss because they would have to pay for any police investigation that led to a refund.
If you are a victim of such fraud, the first thing to do is to phone the seller. If they refuse to take your calls and send text messages formal, explaining that you report them to the police and their banks if they fail to refund your money within 24 hours. You can also post them on the site where they announced, which will likely result only in their account being disabled.
Several anti-scam websites and blogs insist that online fraud to the police report does not have to cost money. They claim that you can just send an email to cybercrime@polri.go.id-including~~V mobile phone number and bank account details, and police fraudster will then simply block the bank account of the scammer. Unfortunately, this is absurd. The police do not even use the e-mail cybercrime@polri.go.id.
Members of the public who wish to report a cyber crime are invited to do so in person, and to provide evidence, such as prints ads and transfer revenues. The official address e-mail to report crimes is info@reskrimsus.org, although it is not dedicated to online fraud. Bank Indonesia, the central bank also accepts fraud complaints online bicara@bi.go.id.
If you visit a police station to report a crime, you must request a short document entitled STPL ( Surat Tanda Penerimaan Laporan - Letter of receipt of proof of the report), which describes the alleged crime. You can ask the agent by typing the letter include the relevant section of the Criminal Code (Article 378 of the fraud) and Article 28 of Law No. 11/2008 on electronic information and transactions.
Once you have a SLTP, you can make a formal report to the bank used by the scammer. Again, you'll need all transfer media slips or screenshots or printed, and a written chronology of fraud. The bank may then take action - or he can not do anything. Threatening to report the bank to Bank Indonesia if it takes no action.
The police do sometimes follow down and stop online fraudsters, although some authors cover their tracks using bank accounts in the names of others.
Reza (27), a resident of Pekalongan, West Java, in March 2013 was in an internet cafe with some friends when they were approached by a man who offered them money to open accounts banking.
The next day Reza and his friend went to a bank owned by the state and each opened an account, one with an opening balance of Rp.250,000 and one with Rp .150,000. They then removed Rp.200,000 and Rp.100,000 respectively. Then they gave the books and ATM cards abroad, who have paid each Rp.200,000.
Over the following months, Reza and his friend were visited by people who claimed to have transferred millions of rupees to their accounts for online purchases of goods that never arrived. Reza finally reported the matter to the police last month, claiming he was a victim of the scammer.
The law on information and electronic transactions, which is supposed to protect people against online fraud is grossly misused to suppress freedom of expression, as evidenced by the recent imprisonment a woman to write private messages on to complain that her husband mistreated her.
The husband hacked his account, found the messages, and had continued.
Meanwhile, online banking scams continue to flourish. One of the most recent involves an SMS stating your bank account won a cash prize from public banks such as Bank Negara Indonesia (BNI) and Bank Rakyat Indonesia (BRI). Beneficiaries are encouraged to treat their "earnings" line on the absurdly named websites such as www.bnipestarezei.blogspot.com (now closed). As if a large state bank would use a free blogging service. People who visit these sites are asked to transfer funds for the payment of fees to collect their "huge price".
Local media recently that the Bank Central Asia (BCA) customers are targeted by fraudsters trying to obtain passwords for the "timing chips." - Little blue devices used to authenticate identity when conducting online transfers
Kompas.com quoted BCA President Director Jahja Setiaatmadja saying that a virus in a computer had made a malicious token confirmation demand to appear on the internet banking page of BCA.
laterWani Sabu BCA official said there had been many cases of phishing password token, but urged anyone suspecting such fraud to contact the bank immediately. social media say a customer of BCA lost Rp.13 million after responding to a request for pop-up on the BCA website for details of his chips.
There is usually little risk in online shopping and banking, as long as you exercise common sense and caution, though the lure of bargains and price can be blinding.