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Q: How do I identify a fraud or scam?
A: Fraud and scams are becoming increasingly more sophisticated at targeting even the most vigilant person. Some tips to identify scams from FMA: – https://www.fma.govt.nz/scams/scam-basics/
- Scammers provide you with little to no written information. If it is too good, think again, there is no such thing as easy money. Trustworthy investments should have written documents that clearly explain the investment in plain English to you, including any important details. Generally, offers of financial products (such as shares) also have specific rules around what must be disclosed to investors to help ensure that they receive accurate information that is not misleading or deceptive.
- Scammers request unusual payments. Scammers don’t like using ‘normal’ banks. If they want you to pay using wire services or credit cards, by cryptocurrency such as Bitcoin, or into an overseas bank account or a NZ bank with a different name than their company, such as a personal account, they’re probably not legit.
- Scammers claim you’ve already made a profit despite not yet paying them any money. This is to fool you into paying an ‘initial deposit’. Legitimate providers generally don’t let you invest on credit.
- Scammers keep wanting more money. They may tell you the sale can only go ahead if you buy more of the investment, or that there are taxes or fees to be paid.
- Scammers can’t or won’t pay you back. Legitimate investments in financial products such as shares, foreign exchange and derivatives can usually be sold within hours or days. You should be able to get some or all of your money back that quickly. Exceptions include shares that no one wants. Investments sold outside licensed markets may take longer to sell, but you should only deal in those investments through licensed firms.
Q: Where can I find information to help me or a list of scammers?
A: There are multiple websites with information such as:
- Government website providing tips ok scams and how to protect yourself: Scams | New Zealand Government
- NZ Police Scams and Fraud: https://www.police.govt.nz/advice/email-and-internet-safety/internet-scams-spam-and-fraud
- Netsafe: Understanding Fraud and Scams: https://netsafe.org.nz/scams
- Financial Markets Authority (FMA): Warning and Alerts found here: Warnings and alerts | Financial Markets Authority
- Consumer Protection: Identify a scam | Consumer Protection
BE AWARE: Scammers can access these sites and regularly change their names, so just because they’re not on our list doesn’t mean they’re not a scam.
Q: Impersonation scams: Will the bank call me and ask for my personal details?
A: No. China Construction Bank New Zealand (CCBNZ) will never call you to ask for your personal information.
Scammers may impersonate banks and these calls can come from 0800, local, private or overseas numbers asking you for your banking login details, passwords or authentication codes.
KeepSafe questions and answers, longin details and passwords must not be provided over the phone. CCBNZ will always verify your identity in other ways to ensure your personal information and accounts are kept safe.
If you're ever unsure whether a call is legitimate, ask for a name or reference number and call CCBNZ back on 0800 299 5533 or +64 (9) 338 8200 from overseas, or email at fraud@nz.ccb.com.
Q: What to do when you believe you have been defrauded or scammed?
A: If you receive a text message that you think could be a scam, copy the message and forward it to the Department of Internal Affairs reporting system on 7726 (SPAM).
For scam emails: Do not click on any links and delete the suspicious emails, call CCBNZ on 0800 299 5533 or +64 (9) 338 8200 from overseas, or email at fraud@nz.ccb.com.
