When faced with extremely high amounts on your credit card bill, caution may be a warning for possible cloning. To get out of this situation and solve the problem, we’ve listed some alternatives that can help you with this process.
How do I know where the Card has been cloned?
It is hard to say exactly where and when the card was locked. There are some possibilities, for example, in online shopping, because of hacker attacks or viruses on your computer.
Frauds can also happen at ATMs and card machines, which may be equipped with programs that steal user data.
Contact the Bank
When you suspect that your card has been cloned, the first thing to do is to contact the bank. At this stage, it is important to provide as much detail as possible and to request a new invoice. Once notified, the institution will lock your card and you will have to ask for another one and register a new password. It is possible that the bank asks the customer to go directly to the card operator so that they can block the card.
Check your card’s bill
The next step is to check the card’s invoice. Through this process, you can check any expenses that do not match your purchases. Also, stay tuned to see if any withdrawals have been made to your account. Another situation that may indicate fraud is when the customer can not use the passwords of the card to make purchases, even if the numbers are correct. In this case, there is likely to have been some problem with cloning or even card use.
When you have the card cloned, notify the bank as soon as possible
Make a BO
Once the card is locked, it is important to go to a police station and file an incident report. Although not mandatory, it will be an important document to claim your rights, if necessary.
- What should be on the report card?
When registering the case at the police station, it is important to give as much detail as possible, involving all the procedures that were not performed by the cardholder, as well as the dates and locations in which they occurred and the values of the transactions.
With the newsletter made, the consumer is guaranteed that his case is registered and will be safer if you need to prove everything that happened.
Can you get the money back?
Yes. When contacting the bank and informing them what happened, they must return the money within five days. To ensure that this happens, it is important to save the protocol number if there is a problem.
What if the bank does not settle?
In this case, you must go to Procon, the Central Bank (telephone 145 ) or file an action with the Special Civil Court (JEC). It is possible to trigger the bank through social networks, and remember to always keep the conversations saved, as they can serve to prove information.
Watch out for the fact that cloning is a service failure by the card operator. Therefore, it is who is responsible for the event and for damages to the consumer.
It is also worth mentioning that the Consumer Protection Code guarantees indemnification to the consumer harmed by a transaction made with cloned card.
Will I have the dirty name?
To prevent this from happening, a good recommendation is to perform an alert about the occurrence on the Serasa system and fill out an available form on the company’s website. Thus, the consumer prevents his or her name from being placed in the credit protection system.
The shops are not always responsible for cloning the cards
Rarely are the stores
It can happen that the customer ends up blaming the store for the problem with the card, but in fact the trades are also victims of the blow. When you request that the bank return the money, that amount will go out of the account of the store that, in turn, has already sent the product to the criminal. Therefore, they also come out at a loss.
It is possible, however, that in rare cases the store (or e-commerce) is actually involved with the case.
No need to stop buying over the internet
Despite being exposed to this type of problem, the internet is still a very safe place to do the shopping. Everything is easily registered and available if you need to be consulted.
In addition, the consumer is protected by contract in case of fraud, so it is safe in case of undue charges.
How can I protect myself?
There are some basic precautions the consumer should take, such as avoiding open and responding to fake emails (called fishing) and always keeping your computer and Smartphone antivirus updated.
Watch out for suspicious behavior such as profiles that say they represent a bank or store and ask you to enter your personal or credit card information. Remember to periodically check your bill and make sure no charge goes unnoticed.
It is important to keep an eye out for these details. Avoid exposing your data to unknown sources. To further prevent card fraud, read the 3 tips that we separate on this subject.
We hope you enjoyed the content! Feel free to share your experiences or just leave a comment. Take the time to ask questions and suggest new guidelines and be sure to check the other blog articles with tips for financial organization.