In the digital field, Unfortunately The risks faced by a customer from criminals who carry out scams are the order of the day.
This is a circumstance that forces financial institutions to raise the levels of security they offer on their digital platforms, to prevent their customers from being victims of a money-transfer scam.
However, many people are affected by this, Because they do not receive their consideration after making a bank transfer of money, And they don't know how to report a scam of this nature, to those who receive the money.
Next, you'll learn what you should do, in these cases, actions that will even help you prevent bank fraud.
How to report a money transfer scam?
Since this type of criminal action occurs very frequently in Mexico, it is good to report this type of crime so that the authorities responsible for the case remain alert to these types of financial fraud affecting customers of the different banking institutions in the country.
According to the Federal Consumer Attorney's Office (PROFECO), if you are the victim of a money transfer scam, the following actions must be taken:
- If the crime is not so serious, you can report the profile on the PROFECO social network, and even, on the financial fraud portal of the National Commission for the Protection and Defense of Users of Financial Services (DRIVE).
- Support the complaint With all digital evidence that can be collected, such as messages, photos, conversations, screenshots and email addresses related to the Internet sites where the crime has been committed.
- If relevant, a complaint must be made to the Public Prosecutor's Office, by calling 088 at any time of the day, where you can receive any guidance on the National Guard.
- This type of fraud or abuse can be reported on the social network X account @CNAC_GN and also, in the email cert-mx@sspc.gob.mx, belonging to the National Guard.
- On the other hand, the CONDUSEF recommends that in the face of any suspicion of a cyber attack or money transfer scam, the corresponding report or complaint be made to the e-mail ceac@sspc.gob.mx, Of the Secretariat of Security and Public Protection.
- In the Mexico City You can make a complaint at the Cyber Police of the Secretariat of Public Security (SSC), at the following telephone number: 55 5242 5086. Another option is to send an email to this address: policia.cibernetica@ssc.cdmx.gob.mx, or make the corresponding notification to the official accounts on the X social network: @SSC_CDMX and @UCS_GCDMX.
It should be noted that the Attorney General's Office of Mexico City puts to the order of citizenship, the services of the Cyber Intelligence Unit, where complaints and reports of fraud or extortion can be made online. This institution can be contacted by calling 55 5242 6489, or by e-mail ciberneticapdi@fgjcdmx.gob.mx.
If you require psychological or legal support, either because you are a victim of extortion or fraud, you can write, at any time of the day, to WhatsApp number 55 5533 5533, of the Citizens Council for Security and Justice, institution that works together with the police, so the information obtained through reports and complaints made by citizens helps to carry out operations against cybercriminals.
How do I track a transfer if I was scammed?
In these cases we must remain calm, so as not to engage in impulsive actions that produce errors. One of the things you can do is to contact the bank where you have your account as quickly as possible, so that you receive precise instructions on what to do.
Many of these financial institutions have an emergency hotline, which is available to its customers 24 hours a day, every day of the year. These claims can even be made from the bank's app.
If you have made a transfer, and the recipient of the money has not received it, you should review the transfer details and make sure they are correct.
If everything is the product of a mistake, it is appropriate that you cancel the transfer, an action that you must do on the same day of the transaction, before the time the bank cuts the account.
However, if it is necessary to carry out a transfer trace and obtain a Electronic Payment Voucher, you have to carry out a series of steps that we will show you below:
- Go to the web https://www.banxico.org.mx/cep/, where you must enter a series of data related to the date of the transfer, reference number of the transaction, name of the issuing bank and the bank receiving the money, as well as the CLABE, telephone number or debit card number of the account where the monetary amount must arrive, and the amount of money that makes up the transfer.
- Choose the alternative “check payment”, so you can see the corresponding payment slip and the status of the transfer.
- If you do not provide information about the CLABE, card number or telephone number of the payee, or the amount of money paid is not indicated, only the status of the transaction can be viewed, without receiving any proof.
Although the Bank of Mexico will try to assist you in tracing the transfer, banks have a series of obligations for these situations that they must comply with, which are:
- Start the transfer up to 30 seconds after the request was made.
- The receiving bank must reflect the transaction 30 seconds after the money has entered the account.
- If the bank is unable to transfer the money, it must return the monetary amount to the issuer, no longer than 30 seconds.
When you get scammed do you get your money back?
If you provided personal data, the bank will not assume any responsibility for the money that the criminal stole in the middle of the scam carried out.
It should be noted that banking institutions have sent a series of messages suggesting to users that for no reason they should hand over their information confidentially, since this makes it impossible to return the money.
How long does it take to cancel a transfer?
That depends on what happened with the transaction, whether the account holder from which the transfer was made entered the wrong amount or CLABE number, or the transfer was incorrectly executed several times.
However, the transfer can usually be canceled by the issuing bank, the same day it was made.
In short, a money transfer scam is a form of bank fraud, which can affect your assets, through the action of cybercriminals dedicated to carrying out transactions that have not been authorized, which is an illegal activity that must be permanently prevented.
