In 2013, Russia became the leader in Europe in the number of cases of fraudulent bank card transactions.People are trying to find a real help in the event of unlawful withdrawal of funds.In Russia, this issue is regulated by the Federal Law № 161 "On the national payment system."It operates since 2011.But the most important items to take effect only in 2014.The law describes a sequence of actions, if taken off your card (Sberbank).What to do first and who to contact for help?
Types of fraud
Briefly describe the essence of the law, the banks must raise the level of protection of customer funds.For a long time this issue has been neglected.Banks have entered into a contract of phrase that for transactions made using the PIN, the responsibility of the client.Such cases still occur.Many people keep a piece of paper with the PIN in your wallet along with the card.This is a flagrant violation of safety measures.And if the money was removed from the map of the Savings Bank, then in such a situation does not bring them back out.
But fraudsters can rotate its operations even without a plastic carrier on hand.It is enough to learn all the details of the cards and withdraw money easily.Today there are such kinds of fraud:
- Skimming.Attackers read data from the magnetic stripe cards and made its analog.PIN they learn using pads on the keyboard or a mini-camera.Then, make a duplicate, and cash out the money.
- Phishing.Type of fraud, in which scammers know the login and password.Criminals spend send emails or SMS with a link to a malicious website.Clicking on it, users provide all the data to hackers to access personal account at the bank site.
Here's how to write off the money from the card.
Protection
Banks still taking security measures to protect customer funds.Over the last year significantly increased the number of issued cards with chips.They are safer.These hard to find a duplicate.ATMs are equipped with special devices that prevent the possibility of installing reading devices.And customers are constantly warned that the bank's employees under any circumstances do not try to know the PIN or CVV.But fraud is still a lot.
They took the money from the card (Sberbank).What to do?
To begin to calm down and not to panic.Try to remember when the last time you withdraw funds.Perhaps it was notified late.Or listing the amount equivalent to the annual maintenance card or payment services SMS-informing.If it turns out that the stolen money from the card, it is necessary to have patience.The procedure for repayment is very long and laborious, but still effective.
Step One
So, the customer withdrew money from the card (Sberbank).What to do first?Lock plastic.To do this, call the number call-center bank.He points to the back of the card or in the contract.In theory, the operator can know the amount of the account balance and recent transactions.Experience shows that such data appear only after 2-3 days after the transaction.You can block the card and a bank branch.But then you have to spend time on the road and prosizhivanie queue.
Step Two
If from a conversation with an employee turns out that the money is removed from the map, then you should immediately go to the office and write a statement challenging the transaction.It should set out in detail all the circumstances, to make a statement of account and other documents proving the innocence of the client to make withdrawals.Before drawing up the statement is worth reading agreement with the bank.It should contain an item on contesting charges, algorithm of actions and procedure for the resolution of questions.
Step Three
If you lost your card, lawyers recommend write a statement to the police.Such actions should stir up the security service of the bank.In theory, the police should open a criminal case and on the basis of the received application to remove a video from the ATM recorder.If the identity of the tenant could not be established, it is a proof that the funds took possession of the third person.In practice, the police must first submit a request to the recipient of funds.This process can be complicated if the recipient address is not registered.Request via email law enforcement authorities do not exercise.
Step Four
be patient and wait.If during the review of the paper will emerge additional facts that may affect the outcome, you should write another statement.In this case, the credit institution would have to send a request for turning the receiving bank to refund.
Step Five
So you removed the money from the card (Sberbank).What if the bank refused to return the funds?Lawyers advised in this case to go to court.If you will be provided strong evidence (for example, the client was in Moscow, and the money from the card removed from an ATM in St. Petersburg), the victim can rely on the refund.
Customer card Sberbank lost: what to do?
algorithm is the same as in the case of illegal withdrawal of funds.First we need to block the card and contact the department for issuance of a new one.Do not use the money the customer can get cash through the bank's cash office or transferred to another account.The theft is dangerous because attackers can use the CVV-code and pay for services online.On the reverse side of almost all types of plastic cards is bred white strip for the signature of the owner, and 7 digits.The first 4 - is part of the hotel, and the next 3 - CVV (CVV2) -code.It is a kind of PIN for transactions carried out via the Internet.This code can be omitted only on Visa Electron and MasterCard Maestro.These are the cheapest cards that appeal only within a single country.Thus, the customer loses the card Sberbank.What to do next?It is useful to write a statement to the police.Perhaps the missing would be found and returned to the owner.
no less fraught with problems of a situation where the card is demagnetized Sberbank.What should I do in this case?Immediately the old block.The card can be demagnetized only if the customer uses it constantly: often pulls and puts it in his pocket, purse or bag.Withdrawals from ATMs using such plastic carrier fail.But if it is lost or stolen, a scammer can pay for goods online.In such situations, banks do not send an SMS with a password of payment, but only to inform the customer about the fact of withdrawal of funds.
Act to the rescue
the amendments to the Federal Law № 161 oblige lenders to return the stolen funds on the condition that the bank can not prove that the customer has violated the rules of using a bank card.Here you need to pay attention to such nuance.A credit institution is obliged to reimburse the funds if the client will report that removed the money from the card Savings Bank, not later than the day following receipt of the notification to the operator of the transaction.In the event of this period is removed from the bank responsible for carrying out the transfer.From this perspective, the client should also use the evidence.After talking with the operator on the phone is sent to the bank email, specifying the reason for its treatment, the exact amount of written-off assets, the fact that pre-notification of the operator.
percentage of cardholders ungodly high.Banks new law perceive hostility.Institutions have to expand the state security officers.Payment for services of qualified specialists in the field of IT is expensive.Banks are raising the alarm, are suffering losses and are trying to find a way out.
The law says that the credit institution is obliged to notify the client of the cancellation of funds.But did not specify exactly how, and how much should it cost to this service.That is, even email-message from the bank about the fact of the transaction can be such a notification.Using this trick, many banks have raised the cost of SMS-messages, which are the fastest way to learn about the fact of withdrawal of funds.
Another point that is worth paying attention to.If the operation of the transfer of funds was carried out without the participation of the client and the bank is not notified of her card holder, he must reimburse the entire amount spent.
At the same time the law contains wording that could be interpreted in two ways.It is said that the bank is not responsible for the conduct of the transaction, if it proves that the customer has violated the rules for the use of electronic means of payment.This could include anything up to the storage card in the refrigerator.
Nine Ways to protect money
- take cash only in banks.There are cameras everywhere.Attackers can not silently install on the ATM card reader.
- Record phone call-center bank on mobile.If you lose your card, immediately call this number.
- If you can not remember the PIN code, store it in your phone under the codename.
- Set SMS-notification, to instantly find out about all the cash flows on the map.
- Pay services only through trusted sites.Browser they should begin so: https: //.
- Never tell anyone the PIN and CVV-code card.
- login and password from your personal account at the bank site should not be kept in electronic form.
- have any questions about the illegal withdrawal of funds from the card is to call the number listed on the card and not via SMS.
- Keep fixed assets in a separate account and to transfer the card only spending money.
Conclusion Although banks are taking measures to protect customers' funds, swindlers still have some ways to withdraw money from the card.In recent years it becomes very popular this kind of operations as phishing - sending messages with links to malicious sites.Clicking on it, the client provides the fraudsters login and password from the cabinet on the bank's website.Having received these details, the attacker can take advantage of other people's money.Prove illegal operation rather difficult.Equally problematic is if stolen card Sberbank.What to do in such a case?Block payment instrument, order the release of a new and apply for a protest last transaction.
