BRL 50,000 coup on Pix: Justice denies compensation – 03/16/2023 – Market

BRL 50,000 coup on Pix: Justice denies compensation – 03/16/2023 – Market


The Federal Court denied a request for compensation of R$ 49,800 made by a Caixa Econômica Federal customer who was the victim of a scam by making an undue transfer via Pix.

The fraud took place in October 2022, when the account holder said she received a cell phone call from an alleged bank employee, who asked her if she had made a Pix.

The customer claimed that, during the call, she was induced to type what the alleged employee asked for, under the argument that the transaction would be canceled. In the end, she had BRL 49,855.06 withdrawn from her account by the scammer.

In the process, Caixa reported that the operations carried out by the client were carried out by internet banking on an electronic device enabled by the victim with a personal password.

Judge José Carlos Fabri, of the 1st Federal Court of Campo Mourão (PR), considered that Caixa had no involvement in the case, without any connection with the telephone call between the victim and those responsible for the coup.

According to the magistrate, the bank is only “responsible for withdrawals or other financial transactions that occur in duly qualified internet banking after the customer’s communication”.

In the final case, as the client had not reported anything to the bank, she would be responsible for using the online bank at the time of the transaction.

The account holder’s defense was sought by the Sheet, but declined to comment on the case. She will have ten days to appeal the sentence.

In a note, Caixa said it does not comment on ongoing processes and advised account holders to “never share personal data, login user and password”. The bank warned that passwords and other access data should not be provided to third parties or in telephone calls, and asked that customers exclusively use official channels to search for information and access services.

Court denied claim for damages in another case

This is not the first time that Justice has won the case for Caixa in a coup by Pix. In December last year, Judge Joseano Maciel Cordeiro, of the 1st Federal Court of Jaraguá do Sul (SC), denied a claim for compensation to a bank customer who claimed to have suffered a scam when calling a 0800 number, after receiving a message to confirm an alleged purchase. The phone number had nothing to do with Caixa.

In the call, the victim claimed to have been induced to perform a series of procedures and had R$ 14,000 withdrawn from the account, also through Pix. The bank claimed that the transaction was carried out after the client authorized the electronic device through which the debit was made. The judge considered that it was up to the victim to ensure the safekeeping of his password.

Action is known as ‘false employee coup’

Known as the false employee coup, the action of criminals has already been described on other occasions by Febraban (Brazilian Federation of Banks) in alert to bank customers against the action of scammers.

According to the federation, approaches of this type are known as crimes that use social engineering, “which consists of psychologically manipulating the user so that he provides confidential information, such as passwords and card numbers to criminals, or makes transactions in favor of gangs. “.

According to Febraban, bank applications have maximum security from development to use by the user. Among the top tips from internet security experts are never providing passwords and personal data in contacts by phone, email or WhatsApp.

Know how to protect yourself from the fake employee scam

  • If you receive such a call, notify the bank immediately through official service channels
  • Don’t make transfers during calls, especially to unknown names
  • Never provide your account, card or application details. A real employee usually doesn’t need more information about a customer they already have.
  • Do not follow the step by step suggested by the suspicious link
  • Do not access your account when receiving calls on behalf of the bank
  • Never speak or type your password on the phone keypad
  • Circumvent the sense of urgency passed by the scammer with questions to attest to the authenticity of the call



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