What to do if scammers withdrew money from your Sberbank card?

Digital technologies and progress have stepped forward so much that today every second person has an electronic banking wallet , namely, a plastic card on which he stores his savings.  And regardless of whether it is a salary card or a credit card, bank customers are not immune from cyber fraud, when you don’t need to use special physical skills to steal your savings - you just need to gain access to your account, and the job is done. What to do in case you grow to be a victim, because of which cash became withdrawn out of your Sberbank card?

Methods of theft

The methods of stealing the money of the victims are different, but the outcome, unfortunately, is the same. Today there are many ways to rob you. The TOP 4 of the most common of them will be described below. In order to protect ourselves from a disastrous outcome, let's figure out what the typical tricks of scammers are.

Fake lotteries

The most common method of scammers is to send an SMS to the mobile phone of the future victim with the text that he has become the proud owner of a laptop or other expensive equipment, and in order to receive a win, the recipient needs to call back on the specified phone  Without a second thought and in euphoria, the holder of a bank plastic card (BOC) calls the thief and personally transfers his card data (number and CVC code). In this case, it is almost impossible to prove that you were the victim of unauthorized access to your bank account , since you yourself provided all the information to the villain.

False blocking

The second scheme: an SMS is sent to the mobile number of the bank client with the text that the account is blocked and to unblock it is necessary to call the provided phone number.  During the feedback, the attacker assures the client to go to the nearest ATM or self-service point and perform two actions: enter the number of the cash point and unlock code, choosing his mobile operator, then insert his card and make a payment operation.  As in the first case, it is unrealistic to return the money, since in the online mode they go to the account of scammers and then transferred to nominees.

Twin sites

Who would have thought that payments for online purchases could also lead to disastrous consequences? The cyber scammers have foreseen everything, and they are also ready for this scenario. They have been using phishing for a long time: they came up with and placed on the network doppelgänger sites that are able to steal your plastic card details and subsequently cash out your account to zero.  And if the account has the opportunity to use the credit limit, the consequences are even more serious: you still owe the bank.

Mobile banking blocking

Withdrawing money from a plastic card using the blocking of a mobile banking application is no longer a novelty. Bank customers do not even suspect that money is disappearing from their accounts connected to the mobile banking service. This scheme is simple - via the Internet, scammers infect the phones of future victims. As a result, the virus blocks mobile banking on the phone, and cyberthieves send SMS to the bank supposedly from the client's phone to debit funds in favor of mobile operators. In this case, banks do not want to bear responsibility for the theft, since in fact they carry out the instructions of the client.

How to act as a victim of cyber fraud

If you realize that fraudsters have withdrawn money from your Sberbank card , you need to pull yourself together and follow these steps:

Contact the bank's hotline (8-800-555-55-50) and block the plastic card.

Go to the bank branch and write a statement of disagreement with the transaction.

Now it remains to wait for the official response of the bank. If the answer is yes, then the bank should return the stolen money to you in the near future; If the answer is no, then two statements must be written:

The first - to the police about the theft of money.

The second - to the prosecutor's office for the bank, in accordance with Articles 7 and 14 of the Law of the Russian Federation "On the Protection of Consumer Rights"; Any lawyer can win a case for the return of funds.