Users will be able to contest PIX transfers directly to the bank’s application in cases of scams and fraud, from October 1st.
The novelty consists of making available, directly in banks applications, the function of “self -service” of the Med – special return mechanism. This system, developed by the Central Bank, allows victims of scams and fraud involving the Pix to recover the money by denouncing the occurrence to the BC.
The tool, which eliminates the need for interaction with the service of the financial institution, will allow the contestation of any transaction via PIX in the last 80 days.
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The new option aims to expedite the complaint process, previously performed only on the Central Bank website, increasing the chances of recovering the amounts transferred to scammers and fraudsters. In addition, the tool will allow you to consult the status of the return request.
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The tool can also be used in cases of transactions made via Pix.
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The Central Bank had defined April 1st as an initial deadline for the implementation of the Self -Service of the Med, but postponed to October 1, complying with requests from the financial institutions, due to the complexity of the tool.
How it works
According to the example prepared by the Central Bank, bank applications will feature a button called “Complain Here” for the transaction contestation. When clicking this button, the user will be directed to the account statement, where they can select the transaction they want to contest.
Then the user must select the type of scam or fraud suffered. In the normative, the following cases are typified:
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- I was fooled by a scammer and made a transaction;
- Another person transferred resources from my account, without access to my password and without my knowledge;
- I was threatened or had my freedom restricted to be forced to make a transaction;
- A fraudster used my password to transfer features from my account without my permission;
- Another type of coup – in this case, a field will be made available for the victim to report the crime, with up to 2,000 characters.
After the defense, the bank must notify the financial institution of the recipient of the money. In addition, it will provide the victim the number of protocol of the return request, the maximum deadline for response to the acceptance or refusal of the request, and information about the existence of balance in the account that received the amounts. It is important to highlight that if the receiving account does not have all the resources to make the return, it will be monitored for up to 90 days after the transaction, allowing complementary returns.
Will receiver be notified?
The value receiving account will be blocked, and the holder will be notified of the reason for the block. Notification will include information such as the blocked value, the value of the original transaction, the user name that has transferred the transfer, and the maximum lock deadline, which is established in 11 days.
Once the money is returned to the victim, both the receiver and the victim will be notified instantly.
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Case of confusion or mistake
It is noteworthy that the tool cannot be used in cases of mistakes made by mistake, such as PIX key typos, nor in situations of commercial disagreement.