Have you seen an account payment that’s not yours and you don’t know what to do? On some occasions, we encounter an amount on our credit card that does not match the expenses we have that month and it is strange for us to see that amount appearing on the bank statement, without knowing why it is necessary. We may find ourselves in a situation where we do not know where it comes from and arise a case of scam or fraud for improper use of your data. In the face of such a dispute, it is best to act quickly and implement successive guidelines to deal with this situation.
Technology is developing rapidly and allows us to pay via the Internet comfortably and simply, but sometimes it can play tricks on us after entering our private data on fraudulent websites without even realizing it. Although banks have security systems to validate the purchase of any product through the network, We are not free from being scammed at any time. and deceive. Cybercrime acts are increasing in countries such as Spain, which has positioned itself as one of the most attacked territories on the European continent.
Therefore, a series of steps must be taken to alleviate the situation so that we do not fall into the trap of evildoers. But if you are a victim of cybercrime and you see that the payment you do not see in your bank account, you should consider the following methods to prevent additional charges from reaching you from an unknown source.
What do I do if I receive something that is not mine?
The first thing you should do after experiencing possible fraud and seeing that the value of your card is not the responsibility of the owner is Contact your bank immediately.
Next, you have to ask to cancel your card because it can be impersonated by an individual and they can use it to make any kind of transaction.
So, you should file a complaint to the police for data theft, with corresponding documentation, such as screenshots and bank statements.
The last step is to go back to the bank with the complaint ask for a refund and wait for the bank’s response. In some cases, you can be a beneficiary according to Payment Service Law which protects against unauthorized operations, but in other cases, the reimbursement may not be possible because the negligence is committed by ourselves after suffering the loss of the card or the transfer of information or having the PIN written down in plain sight.
Tips to avoid incorrect payments
Unfortunately, cybercrime is constantly evolving and scam methods are becoming more and more sophisticated. But we can alleviate this situation by performing the following checks:
- You should check your bank account every day to know the movements that have taken place.
- Submit invoices for the items you purchase and compare the expenses to your account.
- Be careful when signing up for websites or services that require the registration of a bank card, because you can subscribe without your knowledge.
- Make sure you are making a secure payment with an internet card, enter the CVV security code.
- Use secure payment platforms like PayPal, Apple Pay, or Google Pay if you can.
- Check that the website you purchase has an integrated SSL security protocol so that the information shared is confidential and secure.
- Do not disclose your data, whether through emails, calls, or messaging applications.