Sberbank's client demands compensation for blocking his card “due to death. Perm engineer in court made peace with Sberbank, which blocked his card "due to the death of the depositor"
Perm resident Vladimir Belonogov intends to collect 690 thousand rubles from the Savings Bank of Russia, since his card was blocked twice due to the “death of the owner”. Why such an incident happened, the man was never explained, “Rossiyskaya Gazeta” writes on Wednesday.
On Tuesday, the Leninsky District Court of Perm began the process on the claim of Vladimir Belonogov against Sberbank of Russia. Permyak demands that the country's largest bank pay him 690 thousand rubles as compensation for moral damage.
On November 2 last year, at four o'clock in the morning, Belonogov received an SMS message from Sberbank that his bank card was blocked. On November 4, he went to the bank branch and tried to find out what was the matter. Sberbank employees told him that the card was blocked due to the death of its owner, Vladimir Nikolayevich Belonogov. The taken aback man tried to prove that he was alive and presented his passport. However, the personal document did not make an impression, and Belonogov was sent to deal with the authorities. One of the heads of the district branch of the bank checked the passport and bank card. Admitting that Belonogov was indeed alive, the bank employees assured him that this was a misunderstanding and that the card would soon be unblocked.
Permyak tried to find out the reason for the incident, but he was told that it was a bank secret. “I had 4,200 rubles on my electronic account,” says Belonogov. - The amount is not very large. But my wife, who is on maternity leave, does not work and the money is very much needed. " Sberbank tried to help their client and offered him to take an interest-free loan for the lost amount. However, Belonogov refused this offer and asked to unblock the card.
On November 6, bank employees were able to provide access to the account of Perm, and he withdrew the money. But since the salary was transferred to the card, a new amount was soon credited to the account. For several days Belonogov freely used his credit card - he even went on a business trip with it. There were no problems with this. But on December 3, the card was again a useless piece of plastic. It turns out that access to the account was terminated on November 28. Vladimir came to Sberbank, and there they explained to him that this happened in connection with his "death" - for the second time in a month.
It turned out that information about his "death" came to the bank from a Perm notary. Belonogov visited her, and the lawyer verbally explained to the client of Sberbank that she really submitted information about the death of a certain Belonogov Vladimir Nikolaevich, only, unlike him, not in 1965, but in 1940. Belonogov, 47, tried to explain all this at Sberbank, trying to unlock his card. “But the bank didn’t explain anything to me,” recalls Perm. - They just said that if I do not like the current situation, I have to complain to the court. They also said that the card would be unblocked on December 11. There were 4,323 rubles. Our family really needed them. "
On December 13, Belonogov made sure that the card was not working. He again came to the branch of Sberbank and reported it. They did not believe him, and one of the employees personally tried to withdraw money from an ATM. When this failed, the banker said that this was a misunderstanding, and soon the card would be usable. Until the end of December, Belonogov went to various divisions of Sberbank, trying to unblock the credit card. Finally, on January 11, bankers were able to secure him access to his money.
To compensate for their costs, moral and moral suffering, Perm filed a lawsuit against Sberbank.
The girl refused to comment on whether she would sue and demand compensation for moral damages.
St. Petersburg, February 24. A resident of St. Petersburg was blocked by a bank card due to the death of the owner. That really surprised Irina, who lived happily for herself and was not going to die. A correspondent from the Federal Accident Agency found out the details. Irina posted a post about the difficult relationship with Sberbank in Live Journal at the end of the week. It was then that an SMS message came to her phone - the card was blocked. "I went to the district office to figure out what's what. The girl outside the window asked for a passport and a card. Then her eyes widened and she frantically began to call her colleague. Then one of them said that the card was blocked, they say, in connection with your yesterday. death, "- says Irina. The girl immediately called the main office - they advised them to apply for a reissue of the card, threatening that otherwise no one would deal with the case. At the same time, when asked where the information came from, the bank employee issued - "maybe someone called." "All this paperwork will drag on for a month, there is no way to withdraw money from the card. I tried to write complaints to three offices in St. Petersburg - they don't accept it anywhere. I called the head office in Moscow - also to no avail. The police did not accept the statement either, sending it to the passport office. "- continues Irina. To understand on what basis the bank makes a decision on the death of a client, the FAP sent a request to the St. Petersburg branch of Sberbank. "The described situation refers to uncommon force majeure cases. After the client contacted the bank, work was carried out to study the circumstances that led to the blocking, an employee error was identified and the card was unblocked. The client was apologized on behalf of the bank's management," they briefly commented to the press -service. At the same time, users in the comments come to the only possible hypothesis - the bank could have been issued a certificate of the death of Irina's namesake, and someone simply did not carefully verify the data. According to the lawyer, it was necessary to immediately submit an application with a request to explain the reason for the blocking. "It is a paper application to which the bank will be obliged to answer on paper. If this does not motivate them to unblock the main card and not take money for reissue, then you can safely sue them. You cannot make a decision on the death of a client on a call. , to see the death certificate. Perhaps, it will be possible to apply the article of the Criminal Code of the Russian Federation "Arbitrariness", - comments the lawyer Nikita Tepikin. According to Irina, a specialist from Moscow contacted her over the weekend and the card was unblocked. But trouble does not come alone - when trying to check, the card was swallowed by an ATM. Sberbank has already promised to take action. At the same time, the girl refused to comment on whether she would sue and demand compensation for moral damage. Earlier, the Federal Agency for Accidents wrote about a resident of Yekaterinburg, whoAny bank card can be blocked by both the user, the bank, and the payment system, on the basis of which it works. There may be several reasons for blocking, and on these reasons, as well as on the rules of the bank itself, various decisions may depend. The bank blocked the card, what should I do?
What to do if a bank card is blocked?Reasons for blocking the card by the bank
Before deciding the question “what to do if the bank has blocked the card?”, You need to find out the reason for the blocking. The bank may have a number of reasons why it will calmly block the card.
- If the bank suspects that someone wants to use your card. For example, you are constantly spending your money in your city and bought something in a store. And then a few minutes later, someone is trying to make a transfer of funds in another city. This means that the data and details of your card, someone stole, and the attackers are trying to withdraw money from your card. And you shouldn't hope for protection.
- If they want to withdraw too much money on the card. Then the bank will also begin to suspect that someone else wants to use it and will block it.
- If the bank suspects that you are using the card for illegal purposes. Very often, many attackers use cards for "".
- If you entered the PIN code incorrectly at the ATM 3 times in a row. Then the bank also thinks that someone else wants to use your card. For some ATMs, another procedure may also work when they do not return the card and eat it. It is also needed for security purposes.
- If you have not notified the bank about your trip abroad, as well as your card has a geographic restriction on the withdrawal and use of funds in retail outlets. Then the bank will block your card.
- The card was blocked by a court decision. In this case, the bank account is also blocked.
First steps
First of all, you should call your bank's hotline number and find out the reason for blocking the card. Also, you can be answered there what exactly you need to do.
In general, the rules for banks can be very different and each has its own rules for one or another case when blocking. If the card was blocked on suspicion of banking fraud, then you need to visit the bank office and prove that you are using the funds and the card itself for legitimate purposes.
If the card was blocked due to use abroad, then different banks have discrepancies according to the rules. You can call the hotline and ask to unblock the card, some banks will unblock it, and some will ask you to visit a bank branch. For example, Sberbank almost always requires the presence of a client at the bank's branch itself and it will not work to unblock the card by phone.
If the card is blocked due to an incorrect PIN code entered, then you will have to reissue it by visiting a bank branch.
What to do if a bank card is blocked by a court decision?
If the judicial authorities have blocked the card, then there is only one way out. This is the most difficult case, since when the card is blocked, the account itself is also blocked and frozen until the necessary decision comes from the court. In this case, you first need to go to the court itself and find out why your card and account were blocked. Next, solve all the problems with the court.
Usually, the card and account are automatically unblocked when you solve the problem with the court, since immediately after that a corresponding letter is sent to the bank, where it is indicated that the account and card must be unblocked.
SMS - Your card is blocked
Usually, the bank notifies with such a message, only to the official number and at the same time does not indicate additional numbers to which you should call. If you receive such a message from an unknown number, and there is also an additional number in the message - supposedly those. support, then these are scammers and in no case call this phone. The best and surest way would be to call the bank's hotline number and clarify on blocking.
What to do if the card is blocked by the payment system?
Very often they monitor their products in the bank and collect information on suspicious outlets, shops or supermarkets, where they possibly collect and photograph cards in order to withdraw money from them in the future.
Then the payment system itself has the right to send a request for blocking to the bank, or it blocks such a card itself. In this case, neither the bank nor the payment system will unblock your card, and with such a blocking, you will have to reissue it.
If you receive an SMS from a bank, call only the official bank number. Never call the number indicated in the SMS. Before traveling abroad, notify your bank about the trip, or set up geo-restriction in your personal account. Don't shop in questionable places, and don't withdraw cash from weird ATMs. The best and most reliable way to find out everything is to visit a bank branch.
Perm resident Vladimir Belonogov intends to collect 690 thousand rubles from the Savings Bank of Russia, since his card was blocked twice due to the “death of the owner”. Why such an incident happened, the man was never explained, “Rossiyskaya Gazeta” writes on Wednesday.
On Tuesday, the Leninsky District Court of Perm began the process on the claim of Vladimir Belonogov against Sberbank of Russia. Permyak demands that the country's largest bank pay him 690 thousand rubles as compensation for moral damage.
On November 2 last year, at four o'clock in the morning, Belonogov received an SMS message from Sberbank that his bank card was blocked. On November 4, he went to the bank branch and tried to find out what was the matter. Sberbank employees told him that the card was blocked due to the death of its owner, Vladimir Nikolayevich Belonogov. The taken aback man tried to prove that he was alive and presented his passport. However, the personal document did not make an impression, and Belonogov was sent to deal with the authorities. One of the heads of the district branch of the bank checked the passport and bank card. Admitting that Belonogov was indeed alive, the bank employees assured him that this was a misunderstanding and that the card would soon be unblocked.
Permyak tried to find out the reason for the incident, but he was told that it was a bank secret. “I had 4,200 rubles on my electronic account,” says Belonogov. - The amount is not very large. But my wife, who is on maternity leave, does not work and the money is very much needed. " Sberbank tried to help their client and offered him to take an interest-free loan for the lost amount. However, Belonogov refused this offer and asked to unblock the card.
On November 6, bank employees were able to provide access to the account of Perm, and he withdrew the money. But since the salary was transferred to the card, a new amount was soon credited to the account. For several days Belonogov freely used his credit card - he even went on a business trip with it. There were no problems with this. But on December 3, the card was again a useless piece of plastic. It turns out that access to the account was terminated on November 28. Vladimir came to Sberbank, and there they explained to him that this happened in connection with his "death" - for the second time in a month.
It turned out that information about his "death" came to the bank from a Perm notary. Belonogov visited her, and the lawyer verbally explained to the client of Sberbank that she really submitted information about the death of a certain Belonogov Vladimir Nikolaevich, only, unlike him, not in 1965, but in 1940. Belonogov, 47, tried to explain all this at Sberbank, trying to unlock his card. “But the bank didn’t explain anything to me,” recalls Perm. - They just said that if I do not like the current situation, I have to complain to the court. They also said that the card would be unblocked on December 11. There were 4,323 rubles. Our family really needed them. "
On December 13, Belonogov made sure that the card was not working. He again came to the branch of Sberbank and reported it. They did not believe him, and one of the employees personally tried to withdraw money from an ATM. When this failed, the banker said that this was a misunderstanding, and soon the card would be usable. Until the end of December, Belonogov went to various divisions of Sberbank, trying to unblock the credit card. Finally, on January 11, bankers were able to secure him access to his money.
To compensate for their costs, moral and moral suffering, Perm filed a lawsuit against Sberbank.
- Great Britain in the XIX century A special path of development of England
- Tourism in Belarus: state and prospects Tourist infrastructure of Belarus
- Tourism in Belarus: state and prospects Main types of international tourism in Belarus
- Factors in the development of the hospitality and tourism industry