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“Ya ha transcurrido casi un mes y todavía no tenemos nuestro dinero. Estamos quebrados y estamos comprando alimentos con las tarjetas de crédito ...” Ese es tan solo uno de los comentarios publicados por los clientes acerca de la aplicación de operaciones bancarias ofrecida por Beam Financial Inc. y su fundador Yinan Du – los demandados de una acción legal entablada hoy por la Comisión Federal de Comercio (FTC).

De acuerdo a los términos de la demanda, los demandados de Beam Financial anunciaron su aplicación de operaciones bancarias, llamada Beam, como una cuenta de banco con alto interés que ofrece acceso al dinero “24/7” “SIN INMOVILIZACIÓN DE FONDOS”. Beam Financial también dice que la gente puede hacer una cantidad ilimitada de transferencias sin cargo desde y hacia sus cuentas Beam de manera fácil y en cualquier momento – con disponibilidad de fondos entre 3–5 días hábiles. Tal como se indica en la demanda de la FTC, eso es mentira, en dicha demanda se citan numerosas quejas publicadas por gente frustrada y desesperada con la preocupación de que Beam Financial simplemente les haya robado sus depósitos.

• “No coloquen su dinero en beam porque no lo recuperarán. Retendrán su dinero para cobrar la mayor cantidad de intereses que puedan y supongo que lo harán hasta que alguien clausure esta compañía por fraude”.

• “Todavía sigo sin mis $2900 y Beam no responde el teléfono ni el email. Me robaron mi dinero durante una pandemia”.

La FTC también dice que la gente no obtuvo las altas tasas de interés prometidas por Beam Financial.

Cuando la FTC les solicitó formalmente información y respuestas a los demandados de Beam Financial, se negaron a responder.

¿Estás pensando en descargar una aplicación móvil para operaciones bancarias? Primero asegúrate de comprender cómo funciona. Lee los términos y haz una búsqueda en internet para verificar los antecedentes de la compañía, recuerda hacer ambas cosas antes de depositar tu dinero. Para reportar problemas con una aplicación móvil de operaciones bancarias u otro tipo de malas prácticas comerciales, visita ReporteFraude.ftc.gov

8 Comments

azure5
November 18, 2020
Do research WHERE? Using what sources? Thanks so much for providing "advice" that's so vague as to be useless.
FTC Staff
November 19, 2020

En respuesta a por azure5

The blog has tips to help you: If you're thinking about downloading a mobile banking app, be sure you understand how it works. Before you deposit your money, read the terms. Do an online search to see what other people say about the company. Do a search with the company name and the words "review" or "complaint."

And, you can also search this website to find articles, like this one about Mobile Apps. The article explains what you need to download and use an app, the data apps can access on your phone, and what information apps will access or share.

jp
November 23, 2020

En respuesta a por azure5

I dont want to get rude, and just to let you know im from Canada and i would love that our government will do as the same as they are doing. And as a consultant in Cybersecurity, FTC just answered as the best as it could and it's a true answer. They need to stay "safe" & "short" on the answer. The reason is simple, too many factors may compromise a mobile app, like you can download and install one from a third party and be already infected. Some actors will prefer to target most used users mobile app already installed on the device..etc..etc.. FTC main objective here is to warn & protect users agaisnt actual threats targeting users money. They cant be aware about how users are really using their mobiles with secure practice
WarminNC
November 20, 2020
Thank you FTC for doing what government should be doing. A shining light in the midst of darkness.
Rshine2020
November 20, 2020
How does the FTC use the reports from consumers. How many scam companies/businesses has the FTC foiled and prosecuted this year compared to previous years. Does the FTC share the amount of blocked numbers that phone companies provide and do targeted shutdowns/investigations of these scammers? We can keep reporting, but if there is no action on the FTC side, then what is the purpose of reporting?
FTC Staff
November 20, 2020

En respuesta a por Rshine2020

Read the Frequently Asked Questions (FAQ) at ReportFraud.ftc.gov to learn what happens after you file a report with the FTC. We explain what you can report, how to get help filing, what happens to your report and much more.

Go to FTC.gov to learn about the FTC's enforcement activies. Read the Annual Highlights (starting with 2019's) to learn about enforcement actions, money refunded to consumers, court orders filed and more.

Read the annual report for the Do Not Call Registry to learn about do not call complaints filed with the FTC. The FTC and its law enforcement partners use Do Not Call complaints to spot trends and enforce the law. Companies that offer call-blocking solutions also use the data to help identify phone numbers to block.

The robocall phone numbers that consumers provide are released to telecommunications carriers and industry partners, and data is posted to the FTC website every weekday, with Monday postings including weekend data, and is available on the Do Not Call (DNC) Reported Calls Data webpage.

robocall phone…
October 22, 2021

En respuesta a por FTC Staff

"robocall phone numbers that consumers provide are released" these numbers are useless as scammers can put any number they want on it and that's what they do, its out of hand
De Grazziano
November 20, 2020
This is a great blog. That happened to a friend of mine once and the dude never got his money back. Think before you do something foolish. If it sounds too good to be true, it probably is.