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Personal training account: how to avoid scams

2022-01-20T11:43:14.104Z


While canvassing by phone, SMS or email pollutes the lives of millions of French people, 10,000 Personal Training Accounts (CPF) will have


You have probably received a call or a text message inviting you to use your personal training account (CPF) as soon as possible, before your kitty is simply lost.

For several months, intensive canvassing has polluted the daily lives of 38 million French people eligible for the CPF.

All workers over the age of 16 have access to a loan, supplemented by 500 euros per year and capped at 5,000 euros, to finance training via the official platform "My training account".

Many are those who have never logged on to the site, where hundreds or even a few thousand euros often lie dormant to spend on training.

Faced with untimely canvassing and numerous frauds, the government tried to pass an amendment to make this practice illegal.

The Senate has just revoked it.

In the meantime, the frauds continue.

According to the office of the Minister of the Budget, Olivier Dussopt, 10,000 CPF would have been hacked in 2020. They have even been 14,600 since 2019, the year in which the credit was recorded in euros, thus fueling the covetousness of fraudsters who embezzled 16 million euros.

Overview of the techniques used by these unscrupulous actors to recover the money from your CPF.

Easy to hack your account, if it was never activated

To activate your CPF, you must connect to the official platform moncompteformation.gouv.fr.

There, you can connect directly via France Connect or by indicating your surname, first name and social security number.

For some fraudsters, who buy bulk data, it's fairly easy to hack into your account if you've never activated it, since there's no password associated with your Social Security number yet.

Read alsoCovid, distance... why the personal training account was a hit in 2021

With a fake e-mail address, and the data listed previously retrieved, they activate your CPF themselves.

And, once logged in, they gain access to your credit and can sign up for bogus courses to collect the funds.

The beneficiary of the CPF can thus discover months, even years later, that he has had his kitty hacked.

The canvassers recover your access codes

The person who contacts you by phone, email or SMS can claim to belong to a training organization, an approved public service or even directly to the My Training Account platform to gain your trust.

She usually already has your first and last name and asks for your social security number to access your training account.

In reality, it is about to hack it (if it is not yet created) or will also ask you for your password to access it.

Know that you should never disclose your Social Security number or the attached password.

Registrations for bogus training

This is the most frequently used practice.

Fake sales people contact you by phone to offer you training 100% supported by your CPF.

They often take over your account and enroll you - or help you enroll - in real but low-quality training (with the sending of some videos and remote exercises).

To decide the beneficiary of the still hesitant CPF, some fraudsters do not hesitate to offer gifts in exchange for registration for training (smartphones, tablets, gift vouchers, etc.).

"Sponsorships, job offers conditional on the use of your CPF or any other solicitation are fraudulent practices", it is also specified on the official platform.

Finally, those who ensure that the rights to the CPF will be lost at the end of the year (or at any other deadline) are wrong.

If you do not use your kitty, the amount will simply be capped at 5,000 euros.

Source: leparis

All business articles on 2022-01-20

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