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Avoid getting scammed by fake "ING Bank" emails

Also Known As: possible malware infections
Damage level: Medium

What is "ING Bank email scam"?

"ING Bank email scam" refers to a spam campaign. The letters sent through this campaign are in Dutch and supposedly relate to parking fees. It must be emphasized that all of the information provided by these emails is false, and the legitimate entities mentioned - are not associated with the scam letters.

ING Bank email spam campaign

"ING Bank email scam" in detail

According to a rough translation, the "ING Bank" scam emails claim that there is a 385.40 EUR parking fee debit. The letters then inquire whether the sum is correct and state that if a direct transfer has already taken place - it cannot be reversed. The emails also contain other information, concerning why the fake email was received and what content such letters should and should not have.

Scam emails like these "ING Bank" letters typically operate as phishing scams. In other words, they aim to obtain sensitive information by tricking users into disclosing it.

Targeted data includes: account log-in credentials (e.g., online banking, e-commerce, email, social networking, social media, and usernames/passwords of other platforms), personally identifiable details, credit card numbers, etc. The stolen information is then used to generate revenue.

Finance-related accounts can be used to make fraudulent transactions and/or online purchases. Scammers can use social accounts to steal the owner's identity and ask their contacts for loans or to proliferate malware (by sharing malicious files/links). Personal information can be sold to third-parties or used to create personalized scams.

Furthermore, such emails often request users to make bogus payments (e.g., for transactions or their reversal, subscriptions, registration, shipping, etc.). What is more, scammers can ask users to pay using dubious payment gateways, which record information provided to them.

In summary, by trusting the "ING Bank" scam emails, users can experience severe privacy issues, financial losses, and even identity theft.

Threat Summary:
Name ING Bank Email Scam
Threat Type Phishing, Scam, Social Engineering, Fraud
Fake Claim Scam emails claim that recipients have a parking fee debit pending.
Symptoms Unauthorized online purchases, changed online account passwords, identity theft, illegal access of the computer.
Distribution methods Deceptive emails, rogue online pop-up ads, search engine poisoning techniques, misspelled domains.
Damage Loss of sensitive private information, monetary loss, identity theft.
Malware Removal (Windows)

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Spam campaigns in general

"You Have A New Message Due", "I Am Sorry To Inform You But Your Device Was Hacked", "MijnOverheid Email Scam", "Unfortunately, There Are Some Bad News For You", and "Voicemail Email Scam" are some examples of spam campaigns.

The emails distributed through these campaigns are usually disguised as "official", "urgent", "priority", and similar. In addition to phishing and other scams, spam mail is also used to proliferate malware (e.g., trojans, ransomware, cryptocurrency miners, etc.).

How do spam campaigns infect computers?

Spam emails can contain infectious files as attached or download links. These files can be in various formats, e.g., archives, executables, PDF and Microsoft Office documents, JavaScript, etc. When the files are opened - malware download/installation is jumpstarted.

For example, Microsoft Office documents infect systems by executing malicious macro commands. This process begins when a document is opened in Microsoft Office versions released before 2010.

Newer versions have "Protected View" mode that prevents this process; instead, users can manually enable macros (i.e., editing/content). It is noteworthy that virulent Microsoft Office documents often contain deceptive messages designed to trick users into allowing macro commands.

How to avoid installation of malware?

Opening suspicious and irrelevant emails is inadvisable, especially any attachments or links found in them - as they are potential origins of system infections. It is also recommended to use Microsoft Office versions released after 2010.

Aside from scam emails, malware is also spread via dubious download channels (e.g., Peer-to-Peer sharing networks, unofficial and freeware websites, etc.), illegal activation tools ("cracks"), and fake updates. Therefore, it is important to download from official/verified sources and activate/update programs with tools provided by legitimate developers.

It is crucial to have a reputable anti-virus installed and kept updated. This software has to be used to perform regular system scans and to remove threats. If you've already opened malicious attachments, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.

Text presented in the "ING Bank" scam email letter:

Subject: Automatische machtiging Stichting Parkeergelden NL PMB


ING

 

Geachte relatie,

 

Binnenkort wordt voor een nieuwe incassomachtiging een incasso met de volgende details afgeschreven:

 

Naam van de incassant: ST PARKEERGELDEN NL
Incassant ID: NL47ZZZ172230760000
Kenmerk machtiging: 1341862868439530
Type incasso: Doorlopende incasso, Standaard
Bedrag: € 385,40
Datum: 5 oktober 2021
Kenmerk: P43953RKE0572791M
Omschrijving: Parkmobile Benelux BV, Parkmobile factuur nr. 30092021, Meer details in uw klantaccount.

 

Is de afschrijving niet terecht?
Dan kunt u deze weigeren via ing.nl/incasso-weigeren. Wanneer de incasso al heeft plaatsgevonden kunt u deze in veel gevallen niet terugboeken met de Mobiel Bankieren app of in Mijn ING.

 

Waarom deze e-mail?
ING informeert u doorgaans digitaal. Onze berichten vind u bij ‘Berichten’ in Mijn ING. Omdat u daar misschien niet dagelijks kijkt, sturen we bij belangrijke berichten ook een e-mail om u hierop te attenderen.

 

Hoe weet ik dat deze e-mail echt van ING komt?
Wij sturen u nooit e-mails met daarin een link die direct naar Mijn ING. Wij verwijzen alleen direct naar ing.nl.

 

Met vriendelijke groet,

 

Annet van der Hoek
Directeur Klantenservice
 
Deze e-mail is afkomstig van ING Bank N.V., statutair gevestigd te Amsterdam, Handelsregister nr. 33031431.

Appearance of the "ING Bank" scam email (GIF):

ING Bank scam email appearance (GIF)

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Quick menu:

How to remove malware manually?

Manual malware removal is a complicated task - usually it is best to allow antivirus or anti-malware programs to do this automatically. To remove this malware we recommend using Combo Cleaner Antivirus for Windows.

If you wish to remove malware manually, the first step is to identify the name of the malware that you are trying to remove. Here is an example of a suspicious program running on a user's computer:

Malware process running in the Task Manager

If you checked the list of programs running on your computer, for example, using task manager, and identified a program that looks suspicious, you should continue with these steps:

manual malware removal step 1Download a program called Autoruns. This program shows auto-start applications, Registry, and file system locations:

Autoruns application appearance

manual malware removal step 2Restart your computer into Safe Mode:

Windows XP and Windows 7 users: Start your computer in Safe Mode. Click Start, click Shut Down, click Restart, click OK. During your computer start process, press the F8 key on your keyboard multiple times until you see the Windows Advanced Option menu, and then select Safe Mode with Networking from the list.

Run Windows 7 or Windows XP in Safe Mode with Networking

Video showing how to start Windows 7 in "Safe Mode with Networking":

Windows 8 users: Start Windows 8 is Safe Mode with Networking - Go to Windows 8 Start Screen, type Advanced, in the search results select Settings. Click Advanced startup options, in the opened "General PC Settings" window, select Advanced startup.

Click the "Restart now" button. Your computer will now restart into the "Advanced Startup options menu". Click the "Troubleshoot" button, and then click the "Advanced options" button. In the advanced option screen, click "Startup settings".

Click the "Restart" button. Your PC will restart into the Startup Settings screen. Press F5 to boot in Safe Mode with Networking.

Run Windows 8 in Safe Mode with Networking

Video showing how to start Windows 8 in "Safe Mode with Networking":

Windows 10 users: Click the Windows logo and select the Power icon. In the opened menu click "Restart" while holding "Shift" button on your keyboard. In the "choose an option" window click on the "Troubleshoot", next select "Advanced options".

In the advanced options menu select "Startup Settings" and click on the "Restart" button. In the following window you should click the "F5" button on your keyboard. This will restart your operating system in safe mode with networking.

Run Windows 10 in Safe Mode with Networking

Video showing how to start Windows 10 in "Safe Mode with Networking":

manual malware removal step 3Extract the downloaded archive and run the Autoruns.exe file.

Extract Autoruns.zip archive and run Autoruns.exe application

manual malware removal step 4In the Autoruns application, click "Options" at the top and uncheck "Hide Empty Locations" and "Hide Windows Entries" options. After this procedure, click the "Refresh" icon.

Refresh Autoruns application results

manual malware removal step 5Check the list provided by the Autoruns application and locate the malware file that you want to eliminate.

You should write down its full path and name. Note that some malware hides process names under legitimate Windows process names. At this stage, it is very important to avoid removing system files. After you locate the suspicious program you wish to remove, right click your mouse over its name and choose "Delete".

Delete malware in Autoruns

After removing the malware through the Autoruns application (this ensures that the malware will not run automatically on the next system startup), you should search for the malware name on your computer. Be sure to enable hidden files and folders before proceeding. If you find the filename of the malware, be sure to remove it.

Search for malware and delete it

Reboot your computer in normal mode. Following these steps should remove any malware from your computer. Note that manual threat removal requires advanced computer skills. If you do not have these skills, leave malware removal to antivirus and anti-malware programs.

These steps might not work with advanced malware infections. As always it is best to prevent infection than try to remove malware later. To keep your computer safe, install the latest operating system updates and use antivirus software. To be sure your computer is free of malware infections, we recommend scanning it with Combo Cleaner Antivirus for Windows.

Frequently Asked Questions (FAQ)

Why did I receive this email?

Spam emails are not personal. The letters are distributed in large numbers with the hope that at least some of the recipients will be tricked by them.

I have provided my personal information when tricked by a spam email, what should I do?

If you've disclosed log-in credentials - immediately change the passwords of all potentially compromised accounts and contact their official support. And if the provided information was of a different personal nature (e.g., ID card details, credit card numbers, etc.) - contact the relevant authorities without delay.

I have read a spam email but didn't open the attachment, is my computer infected?

No, opening a spam email will not initiate infection processes. Clicking on links or attachments is what triggers malware download/installation.

I have downloaded and opened a file attached to a spam email, is my computer infected?

This depends on the format of the opened file. If it was an executable - most likely, yes, your system is infected. However, if it was a document (e.g., .doc, .pdf, etc.) - you might have avoided triggering an infection, since in some cases, these virulent files require additional actions (e.g., macro enablement, etc.).

Will Combo Cleaner remove malware infections present in email attachments?

Yes, Combo Cleaner can detect and eliminate nearly all known malware infections. However, running a full system scan is crucial - since sophisticated malware typically hides deep within the system.

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About the author:

Tomas Meskauskas

Tomas Meskauskas - expert security researcher, professional malware analyst.

I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for pcrisk.com since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats. Contact Tomas Meskauskas.

PCrisk security portal is brought by a company RCS LT. Joined forces of security researchers help educate computer users about the latest online security threats. More information about the company RCS LT.

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Malware activity

Global malware activity level today:

Medium threat activity

Increased attack rate of infections detected within the last 24 hours.

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