Clipping of news on Brazilian Culture, Law and Citizenship
10/05/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
The consumer who is a victim of fraud in the card has the right to request the suspension of purchases made in error. Consumer rights experts warn that, if you pay the bills charged more without realizing or managing insist to charge, the consumer should receive the value back double.
A survey last year by ACI Worldwide, a company that produces systems for preventing the bank fraud and money laundering, shows that 33% of Brazilian consumers were victims of credit card fraud, debit and pre-paid in the last five years.
The index puts Brazil in seventh position in the ranking made by the company, which lists 17 countries. Considering only the credit cards, Brazil rises to fifth place (30% of consumers said they were victims of fraud in this case).
Cloning stripe and card usage abroad
According to Henry Takaki, coordinator of the Committee for Security and Fraud Prevention from the Brazilian Association of Credit Card and Services (Abecs), 85% of transactions are made in Brazil with chip cards, which inhibits cloning domestically.
In other countries, however, as the United States and Latin America, the machines that read chip are still a minority. So it may happen to be cloned and stripe card is used for purchases outside. Worse: in foreign currency.
The best prevention in this case is to keep an eye on the bill, even if it is in debit.
Takaki suggests that the consumer acquires the habit of warning the administrator in case of travel abroad.
The company can thus have greater control over international purchases recorded on the card and can warn the consumer is wary of any operation.
Another common type of fraud that is done virtually, when consumers make purchases over the Internet or by phone and provides card details (number, security code and expiry date). Who makes shopping in unknown companies and downloads files from dubious internet is most at risk, says Takaki.
Companies are required to suspend collection
Whichever path used for fraud, consumer protection agencies say the card administrators always have the obligation to suspend the collection of purchases disputed by the customer.
"Fraud is a risk and burden of managing the business. Consumers trust that means of payment and often stop using money because the safety and practicality that the card brings," says Renata Reis, supervisor of the subject area financial Procon São Paulo.
The right exists even if the consumer has not contracted insurance against loss and theft offered by the administrators. "Even if the consumer does not have insurance and even if the card has chip, the company is responsible," says Maria Ines Dolci, coordinator of institutional consumer association Protest.
Canceling the card and issuing new invoice
When faced with unrealized values of shopping in the making, the first step is to notify the company, asking for the cancellation of the card and issue another payment slip. The consumer shall pay only those amounts that it recognizes.
In the case of purchases made overseas are not recognized, the company must also deduct the exchange rate and the Tax on Financial Transactions (IOF).
According to Renata Reis, Procon-SP, if the consumer agrees, the administrator can also charge the invoice in full and make the deposit of the amount in dispute. The refund, however, must be done as soon as possible.
It is also important to register a police report at a police station. Registration is not mandatory for the reimbursement to be made, but it helps in the investigation of crimes of any kind.
Misappropriation must be returned double
If the consumer perceives the problem only after they paid the invoice or the manager insists on misappropriation without your consent, the amounts paid in excess must be returned double, warns Maria Ines Dolci, the Protest.
This goes not only for the purchase price, but also for tax (IOF as in the case of international purchases) and interest (charged if the consumer does not have the balance and end up falling in overdraft, for example).
If the company insists on charging the customer's account is up to him to prove that the values were even worn by him.
7 tips for the consumer who is a victim of fraud in the card
If you notice, on the invoice, the presence of unrealized purchases, notify the administrator. The card must be canceled and replaced.
Tell what are the unacknowledged debts and ask suspension of the collection of these amounts. The company can issue a new invoice.
Note the number of protocol service made by the Office of Customer Service (SAC). By law, companies have up to 5 days to troubleshoot reported in SACs.
If the consumer perceives the problem only after they paid the invoice or the manager insists on misappropriation without your consent, the amounts paid in excess must be returned double.
If the invoice is paid in debit and because of surplus value, the consumer pays interest for the use of overdraft, the company must also return this value doubled.
Even those who do not pay the insurance offered by credit card companies have their rights guaranteed.
In case of installment purchase, it is interesting to record a police report and report agencies credit protection, as SCPC and SERASA.
Source: UOL - News
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This article was translated by an automatic translation system, and was therefore not reviewed by people.