Overview
- The Secretariat of Security and Citizen Protection, through its cyber intelligence unit, issued a public alert on January 14 targeting fraud schemes known as “montadeudas.”
- Authorities say the schemes pose as instant, no‑requirements loans on apps and digital platforms but operate illegally to commit fraud and extortion.
- Victims are exposed when apps demand access to contacts, photos, files or location, push small or unsolicited deposits, apply disproportionate interest and then escalate to threats and harassment.
- The agency urges borrowers to verify any lender’s authorization with Condusef, distrust offers of guaranteed money without clear contracts and avoid sharing sensitive personal or banking data on unverified platforms.
- People are advised not to accept unsolicited deposits, to refrain from making additional payments under pressure and to report incidents to state Cyber Police Units while consulting the federal Ciberguía for guidance.