A message arrived that the Sberbank card is blocked. Your card is blocked: what to do if such a message arrives on your phone? What can not be done
In the article, we will consider what the message “Your card is blocked by the CBR means.”
Fraudsters have existed since ancient times, they will forever hunt and conduct their activities. Since the advent of bank cards in this area, a myriad of mobile divorce schemes has appeared. Recently, bank customers quite often receive a variety of messages from a supposedly bank containing information that a card lock has occurred. When you receive an SMS message: “Your card is blocked by the CBR”, the main rule is to maintain calm. Do not succumb to panic and take hasty actions - they can lead to disastrous consequences.
Fraudulent schemes
The fraud situation itself is a fairly simple scheme. The deceivers first send an SMS: “Your card is blocked by the CBR. For information, call 8-800-XXX-XX-XX. ”
First of all, it should be noted that only its holder, the bank that issued it, and also the judicial authorities have the right to block a card. The Central Bank of the Russian Federation does not have access to confidential customer data, moreover, the country's main financial institution does not interact with individuals in any way.
Excessive emotionality of the client
Then the scammers rely on the fact that the bank’s client will show excessive emotionality, because in such cases, if an SMS arrives: “Your card is blocked by the Central Bank of the Russian Federation”, the logical thinking of any person starts to turn off. An careless client tries to contact the bank by dialing the indicated number, by which a girl answers him with a pleasant voice and pretends to be a bank employee.
After that, the fraudster offers his help in unlocking the card, but notes that this will require the details of the plastic - its number, validity period, the owner’s name indicated on it, and CVC2 / CVV2 codes. It is not necessary to look for the indicated data for a long time - the card is usually at hand, and all the required data is indicated on it.
After a few seconds, a person who is trapped receives a message on his number about the write-off of a certain amount of money. A substitute bank employee informs the client that he is trying to conduct a verification transaction, the money as a result of it will not be debited from the card. This procedure is carried out solely to identify the card. To complete the action, the person must provide the cherished password, which will be sent to the mobile phone in the form of a short message.
Debit
Usually a cheated person calls the necessary password, and then the funds are debited from the account. Then the client hears only beeps in the handset, and attempts to call back to the specified number fail. Only at this moment a person begins to realize that he just fell for the scammers.
If the client manages to give the fraudster all the details of the card, but does not inform the fraudster of the password received by SMS, he is strongly recommended to contact the bank immediately after the conversation and lock the card, since it is possible to debit money from it bypassing 3D technology Secure
Ways to identify fraudulent activities
When receiving an SMS: “Your card is blocked by the Central Bank of the Russian Federation”, it is first of all important to pay attention to the fact that the number from which the message was received has no connection with the banking institution that issued the card. If a person has SMS banking connected, all messages from the bank will come from the same number, usually a short one. For example, Sberbank's official number is 900.
However, this is also not an indicator, since fraudsters have recently gone quite far and know how to fake bank phone numbers using virtual exchanges. Therefore, the message: “Your Visa card is blocked by the Central Bank of the Russian Federation” can also come from bank numbers.
When can they block a card?
It is worth noting that recently, banks have not notified their customers at all that their card is actually blocked. As a rule, credit institutions block in the following cases:
- The account was frozen and closed by bailiffs on the basis of a court decision.
- The validity period of the plastic card has come to an end.
- There is a strange movement in the bank account, or a large amount of money has been debited from it.
- Payment systems regularly collect data on suspicious points of sale, where the facts of the theft of card details take place. In the case when the client performs the operation using this terminal or payment device, the bank immediately blocks the plastic.
- The funds are debited from the card abroad. In such cases, the banking organization has every reason to suspect that the plastic was stolen, and blocks it.
Calls
In some cases, customers receive not messages, but calls with a notification about blocking the card. In this case, you need to consider which number the call came from. There is a possibility that this is a real representative of the bank. In this case, you should not give any information - you just need to immediately check your own account in any way available at the moment.
It is very unpleasant to receive a message: “Your card is blocked by the Central Bank of the Russian Federation. What to do in this case?
Priority procedure for receiving card blocking messages
First of all, you need to calm down and make sure that the card is working, and it is not frozen. There are several ways to do this:
- You can call the bank hotline and get the information you need. The hotline number is always present on the back of the plastic card, as a rule, its numbers are 8 800. Sberbank has two official support numbers. Next, you should contact the operator, who may be interested in the card number, but in no case - with other details. If the bank representative insists that you provide additional information, you should stop talking by hanging up.
- You can log in to your personal online banking account. A list of all banking products of the client will be presented in it. If the card is blocked, a lock will be marked on it, it will be transparent. In some services, under the card there is an additional inscription that the card is blocked. Similar information can also be obtained in the official applications of the bank.
- Go to any ATM, insert the card into the card reader, try to enter the access code. In some ATMs, in the event of a card block, a record will be displayed stating that the product cannot be used later. Other ATMs are programmed in such a way that they immediately withdraw blocked cards.
- Contact any branch of the bank with a card and passport, inform the employee about the problem and get all the necessary information.
These are scammers!
In approximately 99% of cases, incoming messages: "Your bank card is blocked by the CBR" is sent by scammers. In addition, it is worth remembering that real bank employees never ask their customers about the full details of the card. The maximum information that they may need is a card number and no more.
If it is discovered that the card is really blocked, you can only unlock it by contacting the bank branch in person. In this case, you should take a card, passport and head to the office located nearby.
Card details
It is worth noting separately the importance of losing card details. As already noted, the card has several details:
- Room.
- Validity.
- Owner's name.
- CV code.
Using these details, you can make purchases in some online stores, withdraw funds from the card. Unfortunately, protection technology does not always help. It is connected to almost every plastic product, but the fact is that SMS with confirmation is sent exclusively at the initiative of the Internet service.
Important information
In some large stores, this feature is disabled. This is due to certain losses from sending SMS confirmations. In addition, a purchase can sometimes be made without the CV code located on the back of the card.
That is, you can use the card even if it is not on hand, but its details are known. In this regard, it is not recommended to send photos of cards in instant messengers and social networks.
We examined what the message “Your card is blocked by the CBR means.”
Telephone fraud, including 8,800 international lines, is very common. Victims receive calls, for example, from the phone 8 800 505 67 32, and then the scammers try to write off the money from the account - from the telephone or card.
Today I received an interesting message on my phone, it contained information that my card was blocked and there was a request to call the number from which SMS was received.
Message text: "Your bank card is temporarily inactive. Info: for this number."
The first thought that any bank card holder will receive when receiving such a message is: Why is it blocked? Why? And what about my money?
In just a few seconds, I realized that this message is nothing more than a stupid trick of scammers, which you should not pay attention to. But, nevertheless, different clients of banks come across. Including the largest bank - Sberbank.
Why is the message fraudulent?
We already told you about the reasons why the card can be blocked, in the article - why my Sberbank card is blocked and found out that in most cases the card is blocked by the client, banks rarely block cards, only upon special request. services.
The bank will never ask you to call back the specified number. They do not have time to explain the reasons for blocking to each client. If the card is blocked, you will be asked to come to the bank with a probability of 99%, such issues are not discussed by phone.
Moreover, each bank now has a number in the format of 8,800 XXX XXXX, the call to which is free. Although private numbers are often used to solve certain issues, they are all Moscow, that is, they start at +7 495 and are indicated on the bank's website.
If the SMS message does not contain information that allows you to uniquely identify the recipient, that is, there is no data on his name, patronymic, the last 4 digits of the card number, most likely it is a fraud attempt.
What are scammers doing?
By sending such messages, scammers hope that you will call them back. And there, already in a panic and confusion, to inform confidential information about your card or bank account. For example, the sum of the last operation, pin code or CVV2 code.
Often, calls to such numbers are expensive for customers, fraudsters may not even need to get account information from you, but simply spend time while money for calling a paid and very expensive phone number is debited from the balance of your mobile phone.
What to do when I receive a blocking message?
If you receive a message about blocking a bank card, do not get lost and do not do what you are asked in the SMS message. Try to recover as quickly as possible and look, for a start, from what number the message was sent and compare it with the one from which messages from the bank usually come. For example, all messages from Sberbank come from the number - 900. In SMS from Promsvyazbank in general, the abbreviation PSB is indicated instead of the number. If the number is private, most likely - scammers.
Nevertheless, it will not be superfluous to call the bank. But the call needs to be made not to the number indicated in the message, but to the bank number in the format of 8 800. It can be found on the bank’s official website, on the back of your card or on our website - revival, bank of Moscow, etc.
Call the bank and find out if your accounts were blocked or not. Everything will immediately become clear: if everything is in order with the accounts and there are no complaints from the bank, then the SMS message really was not from the bank and you can delete it.
Before deleting, write the phone number of scammers and the message text in the comments to this article so that other visitors will be taught your experience and not be seduced by the tricks of criminals.
Well, if the bank did send a message and after the call it turns out that your card is really blocked, then this is a completely different story. So, the reason was found and, most likely, significant. Find out what’s the matter and try to unlock the card.
8-800-505-6732 as an example of a fraudulent scheme
8-800-505-6732 is a phone related to Freephone. Among Internet users, it is known as a contact belonging to professional scammers. The scheme of their work is simple: the victim is informed about the movement of funds in her account in an SMS message, and the specified number is left as a contact for communication. Fraudsters expect the cardholder to call back upon detecting an unauthorized operation.
They do not know if at all the subscriber has at least some bank account. If you call the specified contact, then the fraudster appears to be an “operator”, able to resolve the issue with both one card and several. Moreover, regardless of the number of cards, types of payment systems to which they relate, and banks in which card accounts are open. Criminals ask for detailed bank card details, promising to “verify” everything and, if they “fix a mistake”, then “unblock” the account.
In the process of working with pseudo-bankers, the card can really be blocked. This will be done by a real bank, having discovered dubious activity on the account.
Banks and payment systems are authorized to work only with "their" products. For example, problems with the MIR card from Sberbank will not be able to resolve either a VTB operator or a VISA employee.
8-800-505-6732 is also used for SMS distribution. The victims are informed of the receipt of funds. The telephone number for communication is 8-800-505-67-32. The source of receipt and the recipient of funds are not identified in any way. Attackers obviously expect the potential victim to call back to deal with the situation.
+78124093086 and other dubious numbers
Fraudsters have existed from time immemorial and will forever trap. With the advent of bank cards in this area, a large number of mobile scam and divorce schemes have simply multiplied. Recently, you can often observe cases of sending SMS that your bank card is blocked. What to do in this case and how to behave? - we will analyze in the article.
REQUEST! Dear readers, please write in the comments the phone number from which you received this message. This number will be added to the blacklist ..
Fraud scheme
The procedure itself is quite simple. First, an SMS is sent to the bank’s client’s phone with the text: “Uv client, your bank card is blocked by the Central Bank of the Russian Federation. Info by phone: 8-800-511-26-46. " They can also use the words:
- freezing
- annulment of the contract;
- blocking;
- account seizure;
- the card was mistakenly frozen by the central bank, the security department.
After that, fraudsters will only eat up on the emotionality of a bank client. Since in such cases, any logical thinking is turned off. The negligent citizen calls this number and the pleasant voice of the girl, who appears to be an employee of the bank, immediately answers him.
Next, the girl asks to unlock the card and plastic account details of the card: Number, expiration date, name of owner and CVC2 or CVV2 code. All these data do not need to be searched for a long time and they are located on the banking product itself.
After a few seconds, an SMS arrives to the client to write off a certain amount of funds. The girl says that this is a verification transaction and the money will not be debited. This procedure is only needed to identify the card. But for the end of the action you need to name the coveted code that will come in SMS on a mobile phone.
Then the citizen calls this code, and the money is debited from the account. The client subsequently hears only beeps, and it is simply impossible to get through this number. It is then that the person realizes that he was simply "shod."
NOTE! If you managed to name all the details, but did not tell the scammers the verification code from SMS. It is strongly recommended that you immediately block the card after the call. You can withdraw money bypassing 3D-Secure technology. Read about it below.
How to distinguish scammers
First of all, you need to pay attention that the return number is in no way associated with this bank. When the SMS banking service is activated, all notifications come from one number. For example, Sberbank has a short number 900.
But this is not an indicator, since recently scammers have gone much further, and they have learned to fake bank numbers from virtual exchanges. So SMS that "Your card is blocked" can come from a bank number.
Banks in this case generally ceased to notify customers of real card locks. Typically, a credit institution blocks plastic in the following cases:
- Money is deducted from the card in another country. Then the bank may suspect that the plastic has been stolen and is blocking it.
- The payment system regularly collects information about suspicious outlets where there are facts of theft of details from plastic. And if the client uses this terminal or device for payment, then the plastic will immediately be blocked.
- A huge amount of money has been written off to the bank account or there is a strange movement of the currency.
- The card has expired.
- The bailiffs froze and closed the account, by court order.
They called, they said that the card is blocked - are these scammers?Here you need to consider from what number they call you. There is a possibility that these are bank employees. In this case, you should not call any information, but just immediately check your account in any way possible.
What to do first?
First you need to reassure yourself and make sure that the card is working and no one has frozen the account. There are several ways to do this:
- Call and find out information by phone hotline. The number is indicated on the back of the plastic and usually starts with the numbers: 8 800. Sberbank has two numbers: 900 and 8 800 555555 0. Next, contact the operator. He may ask for a card number, but no more. If you hear that you are asked to give more additional details of plastic, then just hang up.
- Log in to your online banking account. Next you will see a list of all your products. If the card is blocked, you will see a lock pointer on its icon, and it will be transparent. There will also be an inscription: “LOCKED”. You can find out about all the products and in the application by downloading it from the Google Play or the App Store.
- Go to any ATM. Insert a card and try to enter a PIN code. Some devices are programmed to immediately remove the product. And on some, the inscription will simply be displayed that the product is no longer available for use.
- Visit any branch of the bank with a card, passport and ask the staff of the credit institution about this problem.
If an SMS message arrives, then in 99% of cases it is scammers trying to get your money from the account. And remember that bank employees will never ask and find out the full details of the card. The maximum that they can ask is about the card number.
If you saw that the card was really blocked, you can only unlock it at a bank branch in person. To do this, take a passport and go to the nearest office.
Card details
Now let's see what the loss of treasured details on plastic is fraught with. As already mentioned, there are only a few of them:
- Plastic product number.
- Validity.
- Owner's name.
- CV code.
With the help of all these details, it’s quite possible to withdraw money from the card or use it in some online services. Unfortunately, but 3D-Srecure technology does not always help. This service is connected to almost any product. The fact is that SMS is sent only at the initiative of an outlet on the Internet.
Good afternoon, today I would like to talk about a special type of banking fraud - sms with various threats and warnings. Be extremely careful and do not fall for the tricks of all kinds of scammers and criminals!
Just yesterday, an SMS was sent to my spouse on the phone with the text: “Your bank card is blocked!” and in this SMS was indicated the phone number on which, I think, was supposed to call.
The number was SMARTS Samara, well, I decided to call this number to find out how scammers behave. I called, the guy picked up the phone, an approximate diagram of our conversation (I will write myself I, and the fraudster will be M)
M: Good afternoon, Nikolai, customer support.
Me: Good afternoon, I received an SMS that my card is blocked, what should I do?
M: What is your Surname, name and patronymic.
Me: And what kind of bank do you have ??? (my wife has a VTB and Sberbank card) And why do you write SMS from a regular number that is registered in the Samara region?
M: Central Bank of Moscow on Myasnitskaya.
Me: And on what basis do you write me such an SMS? I am not your client and the Central Bank does not serve individuals?
M: Dear customer, your card is blocked, you are a client of our bank.
Me: What are you treating me? I am not your client, my card was not blocked and this conversation is being recorded and will be transmitted to the police along with a statement ...
The buzzer went off, on the other end of the wire, dropped the wheelhouse ....
What to do if an SMS about blocking a card has arrived?
Kindly requested, dear readers! In no case do not fall for tricks like scammers and DO NOT REPORT him his data, especially the card number and payment passwords! Otherwise, you will be robbed by these scammers and your money will leave the card in an unknown direction!
Precautions for such SMS from “banks”:
- Do not panic! Minute panic can lead to disastrous consequences!
- Carefully study the contents of the SMS message, and I recommend paying special attention to the number from which it was sent! The fact is that all banks have their own numbers, including toll free and service numbers from which they send out newsletters!
In Sberbank, for example, this is number 900, in other banks others.
- Call only on the official phone numbers of banks that are indicated on their websites or in documents, cards that were issued to you there.
1. When authorizing to the personal account of the bank, the connection should be protected, pay special attention to this! The address should not start with the usual characters http: \\\\ but should end like this https: \\\\ this means that your connection is protected by an SLL certificate.
2. The site address should not contain extra characters, for example, it may contain an extra letter, instead of sbrf.ru it may be slbrf.ru, etc.
- Also, do not tell anyone the data from your card, especially by phone.
- Contact the bank branch and ask if they produced such mailings!
Examples of scam messages:
- The Bank of the Russian Federation Your Visa card is blocked, info 8 800 ХХХХХХХ.
- Your card is blocked due to hacking PIN-code, help by phone 8-9553- ХХХХХХХ
- Your Visa card is blocked by the CBRF, support service at 8-961- ХХХХХХХ
- Your VISA card is blocked. Urgent contact: 8987 XXXXXXXX
- Your card will be blocked, withdraw all of your money from your card T.XXX-XXXXXXXX
- Your card is blocked. To unlock, call: XXXX-XXXXXXXX
- / bank / application for transfer from the card was accepted in the amount of 9,000 rubles XXXX-XXXXXXX
- Attempted account hacking, contact security department 8-987- XXXXXXXX
- Bank. The application for the transfer of 9000 rubles was successfully accepted, all information by phone. 8 951 XXXXXXXX
- Operations on your card are temporarily suspended, all questions by phone 8-960- ХХХХХХХ, Central Bank of the Russian Federation
- Your card is blocked; telephone for communication 8800 ХХХХХХХ
- Your bank. The card is locked. Info: 8-951- XXXXXXXX
- Write-off of 400 rubles on account of overdue debt XXXX-XXXXXXXX
- My name is Sidorevich Petr Sidorovich, I am a representative of VISA. - - - We introduce technical innovations in systems. I ask you the next time you use your card at an ATM to call me back to this number XXXX-XXXXXXXX
Have a nice day everyone, do not fall for the tricks of scammers!
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