{"meta":{"exportedAt":"2026-10-22T10:17:43.678Z","formatVersion":2,"selection":{"q":"bank_impersonation","system":"","harm":"","context":"","country":"","role":"","relation":"core","evidence":"","year":"","response":"","severity":"","verification":"","view":"incidents","sort":"added"},"totalIncidents":1,"coverage":{"cases":1,"countries":1,"languages":1,"unknownLocation":0,"locationPending":0,"unknownLanguage":0,"unknownDate":0,"lawsuits":0,"regulatory":0,"minors":0,"coreRelations":1,"contextualRelations":0,"mixedRelations":0,"unknownRelations":0,"relationPending":0,"relationUnknown":0},"countingNote":"Distinct public cases in this selection. People counts apply within individual cases only; cross-case person overlap has not been resolved. No population incidence estimate.","affectedCountNote":"Interpret person counts with affectedCountStatus and the reported effects. Unquantified zeros are placeholders, not a measured zero.","source":"AI incidents","publisher":"NOPE","url":"https://nope.net/incidents","license":"CC BY 4.0"},"incidents":[{"id":"2026-netherlands-police-say-bank-helpdesk-fraud-network-used-ai-made-voice-messages-in-calls-about-170-victims","caseFacts":{"claims":[{"id":"c1","status":"reported","evidence":[{"locator":"Slachtoffers werden gebeld op hun telefoon en kregen een geluidsfragment te horen. De oplichters hadden met Artificial Intelligence tientallen verschillende geluidsfragmenten gemaakt met verschillende stemmen, banken, bedrijven en scenario's.","relation":"supports","source_id":"s1"},{"locator":"Met kunstmatige intelligentie (AI) hadden de criminelen tientallen verschillende geluidsfragmenten gemaakt, met verschillende stemmen en namen van banken en bedrijven.","relation":"supports","source_id":"s2"}],"assertion":"The Dutch police say the fraudsters used artificial intelligence to make dozens of audio fragments with different voices, banks, companies and scenarios, which victims heard when called.","causal_attribution":"The investigating police, who had sight of the network's servers, attribute the voice fragments to AI; they do not disclose how they established this or name a tool."},{"id":"c2","status":"reported","evidence":[{"locator":"De stem wees hen bijvoorbeeld op verdachte activiteit op hun bankrekening en vroeg het slachtoffer om op '1' te drukken als hij/zij niet zelf verantwoordelijk was voor die verdachte activiteit. ... Dan kregen slachtoffers een wachtmuziekje te horen om vervolgens een zogenaamde bankmedewerker aan de lijn te krijgen. ... Slachtoffers moesten daarvoor een app downloaden en hun bankpas scannen door die tegen hun telefoon te houden.","relation":"supports","source_id":"s1"}],"assertion":"According to the police, the voice warned of suspicious account activity and asked victims to press 1, after which a fake bank employee pressed them to download an app and hold their bank card against their phone.","causal_attribution":"The AI-made message opened each call and routed victims to the human caller, according to the police."},{"id":"c3","status":"reported","evidence":[{"locator":"Daardoor konden de daders via de net geïnstalleerde app de gegevens van de NFC-chip van de bankpas tijdelijk doorsturen naar een app van de pinner: de chip waarmee je contactloos kunt betalen. Een pinner met dezelfde app stond tegelijkertijd klaar bij een geld- of pinautomaat. Zonder dat slachtoffers het doorhadden, werden duizenden euro’s gepind.","relation":"supports","source_id":"s1"}],"assertion":"According to the police, the app relayed the card's contactless chip data to an accomplice at a cash machine, who withdrew thousands of euros without the victims noticing.","causal_attribution":"The losses followed from the app and the withdrawals; the AI message was the first step of the call."},{"id":"c4","status":"reported","evidence":[{"locator":"380.000 euro schade bij zo'n 170 slachtoffers. Dat waren de cijfers waarmee het Rotterdamse Team Cybercrime werd geconfronteerd in de drie weken die het onderzoeksteam zicht had op de servers van een crimineel samenwerkingsverband.","relation":"supports","source_id":"s1"},{"locator":"Slachtoffers waren van alle leeftijden en kwamen uit alle hoeken van Nederland.","relation":"supports","source_id":"s2"}],"assertion":"In the roughly three weeks the team could see the servers, the police saw about 170 victims and about 380,000 euros in losses, among people of all ages from all over the Netherlands.","causal_attribution":"Police figures; approximate."},{"id":"c5","status":"reported","evidence":[{"locator":"Op 6 oktober heeft de politie twee verdachten aangehouden in dit onderzoek. ... De politie heeft de servers waarmee deze fraude mogelijk werd gemaakt offline laten halen. ... De raadkamer van de Rotterdamse rechtbank heeft dinsdag 20 oktober besloten dat zij in ieder geval 90 dagen langer vast blijven zitten, in afwachting van de zitting in hun zaak.","relation":"supports","source_id":"s1"}],"assertion":"The police arrested two suspects on 6 October 2026, had the servers taken offline, and on 20 October the Rotterdam court's council chamber extended their detention by at least 90 days.","causal_attribution":"Procedural outcome as reported by the police; the arrest and detention dates are in the same release."}],"effects":[{"label":"people defrauded after calls opened with AI-made voice messages posing as their bank","claim_id":"c4","direction":"negative"}],"sources":[{"id":"s1","url":"https://www.politie.nl/nieuws/2026/oktober/20/07-twee-verdachten-aangehouden-in-onderzoek-naar-nieuwe-vorm-van-bankhelpdeskfraude.html","kind":"official_statement","access":"read","language":"nl","translation_note":"Read in Dutch by the research agent (an AI) on 2026-10-22 and translated by the research agent (an AI) into English; no human translator or reviewer was involved. Dutch police release, published 21 Oct 2026; politie.nl returned HTTP 403 to direct requests, so the text was read from a Wayback Machine capture made on 22 Oct 2026.","independence_group":"politie-rotterdam-release-21-oct-2026"},{"id":"s2","url":"https://www.rijnmond.nl/nieuws/2270946/nieuwe-truc-van-oplichters-je-houdt-je-pinpas-tegen-je-telefoon-en-je-rekening-wordt-geplunderd","kind":"news_report","access":"read","language":"nl","translation_note":"Read in Dutch by the research agent (an AI) on 2026-10-22 and translated by the research agent (an AI) into English; no human translator or reviewer was involved. Rijnmond regional broadcaster report of 21 Oct 2026, HTTP 200; it follows the police release and quotes the same investigator, so it shares the release's independence group.","independence_group":"politie-rotterdam-release-21-oct-2026"}],"version":1,"ai_roles":["others_use"],"contexts":["finance","everyday_life"],"unknowns":["How the police established that the voice fragments were made with AI, and which tool was used.","How much individual victims lost and whether banks reimbursed them.","When the first victims were called; the release says only that banks reported victims from mid-September 2026."],"geography":{"basis":"The police release says victims came from all over the Netherlands and that Dutch banks reported them; the cash withdrawals and the investigation were Dutch, and the Rotterdam court's council chamber ordered the suspects' continued detention.","court_countries":["NL"],"event_countries":["NL"],"affected_person_countries":["NL"]},"publication":{"basis":"Published as a core case (communicated_with): the investigating Dutch police say the callers played victims dozens of AI-made voice fragments posing as banks and companies, which routed them to fake bank staff and led to about 380,000 euros in losses among about 170 people. The technical basis of the police attribution is undisclosed. No suspect or victim is named.","reviewed_on":"2026-10-22"},"ai_involvement":{"basis":"The investigating Dutch police, who had sight of the fraud network's servers, say the fraudsters made dozens of audio fragments with artificial intelligence, using different voices, banks, companies and scenarios. Victims heard such a recorded AI-made voice when called: it warned of suspicious activity on their account and asked them to press 1, which put them through to a fake bank employee who had them scan their card with a fraudulent app, after which money was withdrawn. The AI-made voice message was the opening step of the deception that led to the losses. The police do not disclose how they established the AI use or name a tool.","status":"reported"},"person_relations":["communicated_with"]},"name":"Dutch police say a bank-helpdesk fraud network used AI-made voice messages in calls; about 170 victims lost about 380,000 euros","summary":"The Dutch police reported on 21 October 2026 that the Rotterdam Team Cybercrime had stopped a network behind a new form of bank-helpdesk fraud. According to the police, the fraudsters had used artificial intelligence to make dozens of audio fragments with different voices, banks, companies and scenarios. Victims were called and heard a fragment warning of suspicious activity on their account; pressing 1 put them through to a fake bank employee, who had them install an app and hold their bank card to their phone, after which an accomplice withdrew money at a cash machine. In the three weeks the team could see the network's servers, the police counted about 170 victims of all ages and about 380,000 euros in losses. Two suspects were arrested on 6 October 2026 and a Rotterdam court extended their detention by at least 90 days on 20 October.","incidentDate":"2026-09-01","incidentKind":"bounded_series","incidentDatePrecision":"month","exposurePattern":"single_interaction","reportedDate":"2026-10-21","aiSystem":"Artificial intelligence that, according to the Dutch police, the fraudsters used to make dozens of recorded voice fragments with different voices, banks, companies and scenarios, played to victims in automated calls (tool not identified)","aiProduct":"Unidentified voice-generation tool","severity":"medium","verificationStatus":"credible","harmCategories":[],"harmOutcomes":["financial_loss"],"harmOutcomeSummary":"According to the Dutch police, about 170 people lost about 380,000 euros in total after calls that opened with AI-made voice messages put them through to fake bank staff who had them scan their bank cards with a fraudulent app.","frameworkFacets":[],"pathwayDirection":"inward","causationStatus":"alleged","participantUsersAffectedMin":0,"otherPeopleHarmedMin":0,"affectedCountStatus":"unquantified","affectedCountEvidence":"The police give about 170 victims ('zo'n 170 slachtoffers'; elsewhere in the same release '170 slachtoffers') seen in the roughly three weeks of server visibility. Because the figure is given as an approximation, it is recorded here and not entered as a documented minimum; zero placeholders are used. The victims did not themselves use the AI tool.","victimAgeRange":"unknown","jurisdiction":"NL","platformType":"other","outcomeType":"criminal_charges","outcomeStatus":"ongoing","primarySourceUrl":"https://www.politie.nl/nieuws/2026/oktober/20/07-twee-verdachten-aangehouden-in-onderzoek-naar-nieuwe-vorm-van-bankhelpdeskfraude.html","primarySourceLabel":"Politie (politie.nl), 21 Oct 2026: Twee verdachten aangehouden in onderzoek naar nieuwe vorm van bankhelpdeskfraude","firstPublishedAt":"2026-10-22T03:05:13.843306+00:00","updatedAt":"2026-10-22T03:05:13.843306+00:00","scopeVersion":"facts-v3","tags":["ai_generated_voice","bank_impersonation","phone_fraud","police_arrest","netherlands"]}]}