Users will be able to dispute PIX transfers directly to the bank’s application in cases of fraud and fraud, from 1 October.
The news consists of accessibility, directly in the banks’ applications, the “Self -Services” feature ” With – special return mechanism. This system, developed by the central bank, allows victims of fraud and fraud involving the pixen to regain the money by reporting the existence to BC.
The tool, which eliminates the need for interaction with the service of the Financial Institute, makes it possible to compete for all transactions through Pix held in the last 80 days.
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The new alternative aims to speed up the complaint process, which is previously only carried out on the Central Bank’s website, which increases the chance to recover the amounts transferred to fraudsters and fraud. In addition, the tool you can 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 on April 1 as a first deadline for the implementation of MED’s self -service, but was postponed up to October 1 and fulfills 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 contain a button called “complain here” for the transaction competition. When you click on this button, the user will be directed to the bank statement, where they can choose the transaction they want to compete.
Then the user must choose the type of fraud or fraud suffered. In the normative typically typically the following case:
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- I was deceived by a fraud and made a transaction;
- Another person transferred resources from my account, without access to my password and without my knowledge;
- I was threatened or got my freedom limited to be forced to make a transaction;
- A fraud 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 to the victim to report the crime, by 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 give the victim the number of records for the return request, the maximum deadline for responses to acceptance or refusal of the request and information on the existence of balance in the account that received the amounts. It is important to emphasize that if the receiving account does not have all resources to return, it will be monitored for up to 90 days after the transaction, which allows supplementary returns.
Will the recipient be notified?
Value receiving account will be blocked and the holder will be notified of the cause of the block. Message will contain information such as the blocked value, the value of the original transaction, the username that has transferred the transfer and the maximum lock deadline, which is established in 11 days.
Once the money has been returned to the victim, both the recipient and the victim will be notified directly.
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Case of confusion or mistakes
It is noteworthy that the tool cannot be used by mistake by mistake, such as Pix key types, nor in situations with commercial disagreement.