Clipping of news on Brazilian Culture, Law and Citizenship
12.21.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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During the holidays, fraud grow 25%, according to the study. Customer should inform immediately to the bank and make the BO
Without insurance: assaulted in China in May, Handl did not obtain the repayment of the US $ 3000 spent on your card - Fernando Donasci / Agência O Globo
RIO - Last week, Carlos Oliveira Thadeu ran out the checkbook that was stored in the backpack in the trunk of his car near the Morumbi stadium. On May 8, Pablo Handl administrator was assaulted in the street on the other side of the world in Shanghai, returning from a dinner, and was forced to hand over their credit cards. Such cases are registered every day, but at this time of year, when there is a more intense flow of people in the areas of trade and tourists because of the festivities year-end and holiday care for handbags and wallets should be redoubled.
And just lose a personal document - whether through carelessness or a theft or robbery - to double the likelihood of fraud, like having a bank account hacked or suffer from illegal purchases on the card statement, point Serasa studies. In festive periods such as now, the average fraud often increases by 25%, the study shows.
To give you an idea, according to the Serasa Experian Indicator in October, every 17.4 seconds there was an attempted identity theft in the country, where personal data are used by criminals to execute business under misrepresentation or get credit with the intention of not honoring payments.
In case of theft, loss, theft or cloning checkbooks or cards, the first step is to communicate to the bank and the credit card company and ask for blocking or deletion. The second step is to make a police report (BO) at the police station - in the case of loss of documents such as ID or social security number, that is the priority.
It was what made Oliveira, Test Manager and Research of the Brazilian Institute of Consumer Defense (Idec), used to guide consumers in such cases. As the car theft happened on a Friday night, as he watched the dismissal of goalkeeper Rogério Ceni at Morumbi, he made a temporary lock bead at Bankfone, valid for two days. For the final block, I had to attend the branch of Itaú, which could only be done on Monday.
- At the agency, I was asked the police report, stating that even though I knew the numbers of stolen checks that should be blocked - said Oliveira, who tried unsuccessfully to make the BO internet.
CALL BANKS BULLETIN OCCURRENCE
Oliveira had to go through two police stations and had to wait a whole three hours to record the occurrence. With BO, Idec manager managed to permanently halt the checks:
- I understand that there must be procedures by banks to prevent apply blows. But it was in person at the agency, it was enough to sign a request and ready, would not need the BO. It is a notarial system, which does not recognize the consumer's responsibility. If you were lying, there are legal means to punish me for halt checks improperly.
Itaú said it fulfilled the resolution of the Central Bank (BC), which establishes a deadline of two working days to present the BO to confirm the restraining theft by check or theft.
But how far will the bank's responsibility when the customer is injured? According to the president of the Brazilian Institute of Policy and Consumer Law (Brasilcon), Bruno Mirage, the financial institution becomes responsible for any damage or loss suffered by the consumer from the moment it is reported the fact and the bank does not takes appropriate action.
- In this case, the consumer is entitled to compensation for poor service delivery. The bank has the information passed by the client, and providence is to cancel the card. In the case of checks, not accept or pay the amount because it already has a contraordem - explains.
According Mirage, what is being discussed is whether or not the responsibility of the institution in operations carried out in situations where the customer has not reported the theft. Even the courts are divided, says the expert, when it comes to blame the bank in certain cases.
Already the Brazilian Federation of Banks (Febraban) states that institutions are responsible for preserving the integrity, legitimacy, reliability, security and confidentiality of transactions, but points out that these guarantees are hindered by attitudes that depend exclusively on customers. Not to facilitate theft and fraud, the federation recommends, for example, which take questions only with bank employees and never accept help from strangers to carry out banking operations.
The assault suffered by Handl, China, was for business travel. He was surrounded by three men and one of them, in possession of the cards, he went into a building. After five minutes, the thief returned and he was released. Immediately, Handl went to the hotel and called the Santander communicating the fact. In the meantime, the thieves had already made two purchases amounting to US$ 3,351.18. Since then, the administrator tries to be repaid by the bank:
- On the phone for communicating the robbery, the clerk asked if I had insurance. On the negative, he asked if wanted to hire one, which I accepted, despite having been stolen. He also said that should do the challenge by form, you would receive a vote of confidence within five working days, and that the bank would have 120 days to contact the establishment to check the validity of the purchase. Only managed to make a police report to get to Brazil and sent documentation on 15 May.
New contact Santander, Handl was informed that the documentation does not come, and he would need to send new form. Meanwhile, payment cards won, and the bank, Handl reports, did not contact the establishment reimbursed or paid, even though the customer had contested the illicit purchase.
- The service was confusing and not transparent. I felt wronged, and now I am seeking redress in the courts - complains.
Santander confirmed that the transactions were kept, since the cards were not international insurance against loss and theft, and a safe was hired on May 11, after the event. The bank explained that, for international travel, the first care to be taken is to enable the use of the card abroad and, if possible, hire safe. The bank advises that the cards are kept in place other than documents or cameras.
Febraban guidelines and Serasa To avoid headaches
Password cards. Never provide the combination to third parties. Not to write down on paper, drafts or on the card itself. When choosing a password, do not use predictable numbers (date of birth, home phone number, license plate)
Do not borrow. Do not lend your card to anyone. Do not allow strangers examine your card under any pretext, because without realizing it, there can be an exchange
Robbery, theft or loss. Immediately report to the bank's call center and ask for the cancellation. In case of robbery or theft of cards, checks or documents, record the occurrence at the police station. The document can be required to refund or halt checks
Cash withdrawals. Give preference to ATMs installed in high-traffic locations and, if possible, indoors. The guideline is that withdrawals are made during business hours, when the movement of people is higher
Documents. Experts recommend that do not leave home with all original documents. The orientation is to walk with the simple or certified copy and not lose sight of the documents
Where to save. Store documents, cards and checks into his pants front pocket or hidden place inside the bag, away from cameras and mobile phones
Safety. Do not give out personal information to strangers or by phone. Or enter numbers of documents
Source: The Globe
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This article was translated by an automatic translation system, and was therefore not reviewed by people.