In the article, we will consider what the message “Your card is blocked by the Central Bank of the Russian Federation.

Fraudsters have existed since ancient times, they will trade and conduct their activities forever. Since the advent of bank cards, a myriad of mobile divorce schemes have appeared in this area. Recently, customers of banks quite often receive various messages from an alleged bank containing information that a card has been blocked. When you receive an SMS message: “Your card is blocked by the Central Bank of the Russian Federation”, the main rule is to remain calm. You should not give in to panic and take hasty actions - they can lead to disastrous consequences.

Fraudulent schemes

The situation of fraud itself is a fairly simple scheme. The deceivers first send an SMS: “Your card is blocked by the Central Bank of the Russian Federation. For information, call 8-800-XXX-XX-XX.”

First of all, it should be noted that only its holder, the bank that issued it, as well as the judicial authorities have the right to block the card. The Central Bank of the Russian Federation does not have access to confidential client data, moreover, the main financial institution of the country does not interact in any way with individuals.

Excessive emotionality of the client

Then the scammers bet that the bank client will show excessive emotionality, because in such cases, if an SMS has arrived: “Your card has been blocked by the Central Bank of the Russian Federation”, the logical thinking of any person begins to turn off. A negligent customer tries to contact the bank by dialing specified number, according to which a girl with a pleasant voice answers him and introduces herself as a bank employee.

After that, the scammer offers his help in unlocking the card, but notes that this will require the details of the plastic - its number, validity period, the name of the owner indicated on it, CVC2 / CVV2 codes. You don't have to search for the indicated data for a long time - the card, as a rule, is at hand, and all the required data is indicated on it.

A few seconds later, a person who has fallen into a trap receives a message on his number about writing off a certain amount of money. A dummy bank employee informs the client that he is trying to conduct a verification transaction, as a result of which the money will not be debited from the card. This procedure is carried out solely in order to identify the card. To complete the action, a person must provide the coveted password, which will go to mobile phone in the form of a short message.

Debit

Usually, the deceived person names the required 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 bait of scammers.

In the event that the client manages to tell the fraudster all the card details, but does not tell the fraudster the password received in SMS, he is strongly recommended to contact the bank immediately after the conversation and block the card, as to write off cash from it, bypassing 3D-Secure technology.

Ways to identify fraudulent activities

When receiving SMS: “Your card is blocked by the Central Bank of the Russian Federation”, first of all, it is important to pay attention to the fact that the number from which the message was received has no connection with banking institution who 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 scammers have recently gone quite far and are able to fake phone numbers of banks using virtual PBXs. Therefore the message: "Your Visa card blocked by the Central Bank of the Russian Federation” can also come from bank numbers.

In what cases can a card be blocked?

It is worth noting that banks recently do not notify their customers at all that their card is actually blocked. As a rule, credit institutions block in the following cases:

1. Account has been frozen and closed bailiffs based on a court decision.
2. The plastic card has expired.
3. There is a strange movement in the bank account, or a large amount of money has been deducted from it.
4. Payment systems regularly collect data on suspicious points of sale where card details are stolen. In the case when the client conducts an operation using this terminal or payment device, the bank immediately blocks the plastic.
5. The funds were debited from the card abroad. In such cases banking organization has every reason to suspect that the plastic has been stolen and blocks it.

Calls

In some cases, customers do not receive messages, but calls with a notification that the card has been blocked. 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?

The order of priority actions when receiving messages about blocking the card

First of all, you need to calm down and make sure that the card is working and it is not frozen. You can do this in several ways:

1. You can call the bank's hotline and get the information you need. Number hotline is always present on the back of a plastic card, as a rule, its beginning is the numbers 8,800. Sberbank has two official support numbers. Next, you should contact the operator, who may ask for the card number, but in no case - other details. If the bank representative insists that you provide additional data, you should end the conversation by hanging up.
2. You can log in to your personal Internet banking account. It will provide a list of all banking products of the client. If the card is blocked, a padlock will be indicated on it, it will be transparent. In some services, under the card, there is an additional inscription stating that the card is blocked. Similar information can also be obtained in the official applications of the bank.
3. Go to any ATM, insert the card into the card reader, try to enter the access code. On some ATMs, if the card is blocked, a record will be displayed indicating that the product cannot be used again. Other ATMs are programmed in such a way that they immediately withdraw blocked cards.
4. Contact any branch of the bank, having a card and passport with you, inform the employee about the problem and get all the necessary information.

These are scammers!

In about 99% of cases, incoming messages: “Your bank card blocked by the Central Bank of the Russian Federation” are sent by scammers. In addition, it is worth remembering that real bank employees never ask their customers for full card details. The maximum information they may need is the card number and no more.

If it turned out that the card is really blocked, you can unlock it only by personally contacting the bank branch. In this case, you should take a card, passport and go to an office located nearby.

Card details

It is worth noting separately the importance of losing card details. As already noted, the card has several details:

1. Number.
2. Validity.
3. Owner's name.
4. 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 are sent exclusively at the initiative of the Internet service.

Important information

Some major stores have this feature disabled. This is due to certain losses from sending SMS confirmations. In addition, a purchase can sometimes be made without a 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 has been blocked by the Central Bank of the Russian Federation.

Bank cards are the safest way to save money, but not one plastic owner is protected from fraudulent activities by third parties. Recently, one scheme used by scammers has become a hot topic. "Your card is blocked" - this is the text of the SMS message that comes to the number of the owner of the plastic card. How to protect your funds, and what measures to take?

Fraudulent schemes

The essence of any scheme with money is that the task of its "author" is to cause panic in the victim, it is in this state that it will be convenient for her to manipulate. Any person, when he learns that access to bank account closed, will agree to perform any action, just to remove restrictions from the account. SMS "Your bank card is blocked" first of all prompts the owner of the plastic to call back to the number and find out all the circumstances.

First scheme

This is the first card fraud scheme. The recipient of the SMS message calls back to the sender's number, it turns out to be paid, after which the operator issues an invoice to the subscriber, and the fraudster thus receives money for the call, though not much.

Never call back the number from which the SMS was sent, for sure it is paid.

Second scheme

An SMS message arrives on the victim's phone with the text "Your bank card is blocked info by phone XXXX". In a state of panic, the owner calls back to the specified contact and resolves the issue with the "operator". The fraudster finds out the details of the bank card, its number, expiration date, CVC2 or CVV2 security code, and finally the balance. From this set of information, you can already understand that the fraudster wants to make purchases via the Internet using a bank card.

SMS from scammers: an example

If you provide all the information by phone, then the funds from the card may be debited before you hang up. To commit payment transaction online in seconds. In the future, it will be almost impossible to return the money.

Please note that phone scammers are real professionals. You will have to provide all the information so that the "operator" can identify the client.

What to do if you receive SMS

If you received an SMS “Your card is blocked” or there is a request, pay off any debt, for example, on a loan or overdraft, and transfer money to another account in order to remove restrictions, you should not make hasty decisions. First, do not call back at the specified number, it is better to dial the phone number of your bank's hotline and check if the bank really restricted access to the account, then the operator will definitely inform you about this and tell you how to proceed.

Under no circumstances do not provide the PIN code, card number, and other data of your card, the bank employee will not be interested in this information. To identify the client, he will specify only the code word. By the way, scammers often do not even know in which bank you have an account, and if you are asked about it by phone, you can safely hang up.

If you are a client of Sberbank and you received an SMS "Your card is blocked". Sberbank sends messages only from 900, the rest of the SMS is a scam.

The most effective type of fraud is the “message from the Central Bank”, with the text about blocking the card. That is, you receive a message from an unknown mobile from the Central Bank. Remember central bank Russia does not service individuals, its task is to regulate the work of financial institutions.

SMS from scammers: an example

It is difficult to predict in advance exactly how the authors of the messages are trying to withdraw your money, in any case, they act according to a well-established scheme, so if you doubt the safety of your funds, call the bank and block the card yourself. By the way, if scammers called you on your mobile phone, turn on the voice recorder and record the conversation.

If the scammers managed to withdraw any amount from your account, you should definitely write a statement to the police. The probability that the bank will return the funds to you is zero, only for the reason that the client himself made a mistake and came into contact with scammers, because banks always warn holders plastic cards not to disclose personal data to third parties.

So, if you received an SMS about blocking a bank card, then you should not panic. First, call the bank and check whether it imposed restrictions or not. Then you can independently block the account for some time. Do not call back unknown numbers and talk to scammers. As a last resort, write a statement to the police, law enforcement officers are obliged to respond to the statement and conduct an investigation.

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Telephone fraud, including international lines such as 8800, is very common. Victims receive appeals, for example, from the phone 8 800 505 67 32, and then the scammers try to write off money from their account - from a telephone or card account.

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 the SMS came.

Message text: "Your bank card is temporarily inactive. Info: by this number."

The first thought that any bank card owner will have upon 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, there are different clients of banks. Including the largest bank- Sberbank.

Why is the message fraudulent?

We have already told you about the reasons why a 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 at the request of a special. 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 branch with a 99% probability, such issues are not discussed over the phone.

Moreover, each bank now has a number in the format 8 800 XXX XXXX, a call to which is free. Although private numbers are often used to resolve individual issues, they are all Moscow ones, that is, they start at +7 495 and are listed 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 about his name, patronymic, the last 4 digits of the card number, most likely, we are talking about a fraud attempt.

What are the scammers looking for?

By sending such messages, scammers hope that you will call them back. And there already in a panic and confusion to provide confidential information about your card or bank account. For example, the amount of the last transaction, pin code or CVV2 code.

Often, calls to such numbers are expensive for customers, scammers may not extract account information from you, but simply spend time while the money for a call to a paid and very expensive phone number is debited from your mobile phone balance.

What should I do if I receive a blocking message?

If you received a message about blocking a bank card, do not get lost and do not do what you are asked to do in an SMS message. Try to recover as quickly as possible and look, for starters, from which 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, it is most likely a scammer.

However, it will not be superfluous to call the bank. But the call must be made not to the number indicated in the message, but to the bank number in the format 8 800. It can be found on the official website of the bank, on the back of your card or on our website -, revival, bank of moscow, etc.

Call the bank and find out if your accounts have been blocked or not. Everything will immediately become clear: if everything is in order with the accounts and there are no claims from the bank against you, then the SMS message was really not from the bank and it can be deleted.

Before deleting, write the phone number of the scammers and the text of the message in the comments to this article so that other visitors can learn from your experience and no longer fall for 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 wrong and try to unlock the map.

8-800-505-6732 as an example of a fraudulent scheme

8-800-505-6732 is a Freephone phone number. 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 on his account in an SMS message, and the indicated number is left as a contact for communication. Fraudsters rely on the fact that the cardholder, upon detecting an unauthorized transaction, will call back.

They don't know if the subscriber has any kind of bank account at all. If you call the specified contact, then the fraudster appears to be an “operator” capable of resolving the issue with both one card and several. Moreover, regardless of the number of cards, types of payment systems to which they belong, and banks in which card accounts are opened. Criminals ask for detailed bank card data, promising to “check” everything and, if they “fix an error”, 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 detected dubious activity on the account.

Banks and payment systems are authorized to work only with "their" products. For example, neither the VTB operator nor the VISA employee will be able to resolve problems with the MIR card from Sberbank.

8-800-505-6732 is also used for SMS mailing. Victims are sent messages about the receipt of funds. The phone number for communication is 8-800-505-67-32. The source of income and the recipient of funds are not identified in any way. The attackers are obviously counting on the potential victim to call back to sort out the situation.

+78124093086 and other dubious numbers

Fraudsters have been around for centuries and will continue to do so forever. With the advent of bank cards in this area, a large number of mobile scam and divorce schemes have simply sprung up. 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 blacklisted..

Fraud scheme

The procedure itself is quite simple. First, an SMS is sent to the bank client's phone with the text: “Ov client, your bank card has been blocked by the Central Bank of the Russian Federation. Info by phone: 8-800-511-26-46. The words can also be used:

• freezing;
• cancellation of the contract;
• blocking;
• account arrest;
• the card was mistakenly frozen by the central bank, the security department.

After that, the scammers will only feed on the emotionality of the bank client. Since in such cases any logical thinking is turned off. A negligent citizen calls this number and is immediately answered by the pleasant voice of a girl who introduces herself as a bank employee.

Next, the girl asks to unlock the plastic and the account to name the card details: Number, expiration date, owner's name and CVC2 or CVV2 code. All this data does not need to be searched for a long time and they are located on the banking product itself.

After a few seconds, the client receives an SMS about writing 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 to complete the action, you need to name the coveted code that will come in SMS to your mobile phone.

Here 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 to this number. It is then that a 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 highly recommended to immediately block the card after the call. You can withdraw money by bypassing 3D-Secure technology. Read about it below.

How to distinguish scammers

First of all, you need to pay attention that the reverse number is in no way associated with this bank. When the SMS banking service is connected, all notifications come from one number. For example, Sberbank has a short number 900.

But this is not an indicator either, since recently scammers have gone much further, and they have learned to fake bank numbers from virtual PBXs. So SMS that “Your card is blocked” can also come from a bank number.

In this case, banks generally stopped notifying customers about real blocking of cards. Typically, a credit institution blocks plastic in the following cases:

• Money deducted from the card in another country. Then the bank may suspect that the plastic has been stolen and blocks it.
• The payment system regularly collects information about suspicious outlets where there are facts of stealing 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 funds has been debited from 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 was blocked - are they scammers? Here you need to consider what number you are calling from. There is a possibility that these are bank employees. In this case, you should not give any information, but simply immediately check your account in any way possible.

What to do first?

First you need to calm yourself and make sure that the card works and no one froze the account. This can be done in several ways:

1. Call the hotline for more information. The number is indicated on the back of the plastic and usually begins with the numbers: 8 800. Sberbank has two numbers: 900 and 8 800 555555 0. Next, contact the operator. He may ask for the card number, but no more. If you hear that you are asked to name more additional details plastic, then just hang up.
2. Go to Personal Area internet banking. Next, you will see a list of all your products. If the card is blocked, you will see a lock indicator on its icon, and it will be transparent. There will also be an inscription: "BLOCKED". You can find out about all products in the application by downloading it from Google Play or the App Store.
3. Go to any ATM. Insert a card and try to enter a PIN code. Some devices are programmed to remove this product immediately. And some will simply display an inscription that the product is no longer available for use.
4. Visit any branch of the bank with a card, passport and ask the employees of a credit institution about this problem.

If an SMS message has arrived, then in 99% of cases these are scammers trying to get your hard-earned money from your account. And remember that bank employees will never ask and find out the full details of the card. The most they can ask is about the card number.

If you saw that the card was actually blocked, then they will be able to unblock it only at the bank branch in person. To do this, we take a passport and go to the nearest office.

Card details

Now let's look at what the loss of the 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 is quite possible to withdraw money from the card or use it with the help of them in some Internet services. Unfortunately, 3D-Srecure technology does not always help. This service is connected to almost any product. The fact is that sending SMS occurs only at the initiative of an outlet on the Internet.