Has unauthorized money been debited from your account?
According to consumer advocates, this is unfortunately not uncommon.
So what should you do?
Have you recently
checked
your
account
?
Consumer
advocates recommend doing exactly that more often when in doubt.
Because time and again it happens that
inexplicable
debits from the credit card *
appear
on the
account statement
- and they are “not infrequently the result of fraudulent machinations”, as the Rhineland-Palatinate consumer center warns.
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Consumer advice center: Beware of phishing emails
"It often turns out that those affected have become victims of so-called
phishing emails
," the
consumer
advocates
explain
in the message.
With fake emails,
scammers
would
ask their victims to click a link in the message and then
fill in
certain
information
on a
form
.
"Required are the necessary
bank or credit card
details, which are then used for fraud purposes."
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Regularly check account statements - warn experts
This is
another
reason why it is important to
regularly check
the
bank statements
.
It is not uncommon for
unauthorized debits to be
discovered late, warns the consumer advice center.
The experts emphasize: "Unauthorized debits can still be called back up to eight weeks after the debit."
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New for payments with credit cards: two-factor authentication
What is new is that up to now, fraudsters could pay on the Internet with knowledge of the card and verification number and the expiry date of a credit card.
However, since February 15,
the so-called
two-factor authentication has been in effect
for
payments by credit card from 150 euros
.
That means: Payments must be approved with two independent factors - for example the credit card and an additional
transaction number (TAN)
.
As of mid-March, the procedure will apply to
all credit card payments
, as the Deutsche Presse-Agentur (dpa) writes.
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Banks, savings banks and retailers
would have to ensure that the prescribed safety precautions are implemented by March 31, writes the consumer advice center.
“If a fraudster manages to pay with stolen credit card details, the
credit institute or the retailer will
have to pay
for the damage.
“
(Ahu) * Merkur.de belongs to the Germany-wide Ippen digital editorial network.
Source: Communication from the Rhineland-Palatinate consumer center
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