Message "Your card is blocked by the Central Bank of the Russian Federation": possible causes and solutions to the problem

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

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

Scammers 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, bank customers 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.

Fraud schemes

The fraud situation itself is a fairly simple scheme. deceiversfirst they send an SMS: “Your card is blocked by the Central Bank of the Russian Federation. Call 8-800-XXX-XX-XX for information.”

In the content of the SMS: "Your bank card is blocked by the Central Bank of the Russian Federation" other terms may be used indicating problems with the bank account: account arrest, blocking, cancellation of the contract, freezing, the card was mistakenly frozen by the security department.

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 the confidential data of the client, moreover, the main financial institution of the country does not interact with individuals in any way.

Excessive emotionality of the client

Then the scammers are betting that the bank's client will show excessive emotionality, because in such cases, if you receive an SMS: "Your card is blocked by the Central Bank of the Russian Federation", the logical thinking of any person starts to turn off. A negligent client tries to contact the bank by dialing the indicated number, on which a girl with a pleasant voice answers 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 look for the specified data for a long time - the card, as a rule, is at hand, and all the required data is indicated on it.

After a few seconds, a man caught intrap receives a message to his number about debiting 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, the person must provide the coveted password, which will be sent to the mobile phone in the form of a short message.

Withdrawals

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 case when the client manages to tell the fraudster all the details of the card, 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, since you can write off money from it, bypassing 3D-Secure technology.

Ways to detect fraudulent activities

When you receive an 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 the banking institution that 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 is 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 recently banks do not notify their customers at all that their card is actually blocked. Correctly, credit institutions block in the following cases:

1. The account was frozen and closed by 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 there are facts of theft of card details. In the case when a client makes an operation using this terminal or payment device, the bank immediately blocks the plastic.
5. Card debited overseas. In such cases, the 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 notification of card blocking. In this case, you need to consider which number the call came from. There is a possibility thatthis 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. There are several ways to do this:

1. You can call the bank's hotline and get the information you need. The hotline number is always present on the back of the plastic card, as a rule, it starts with 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 from the bank's official applications.
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 note will be displayed aboutimpossibility of subsequent use of the product. Other ATMs are programmed to withdraw blocked cards immediately.
4. Apply to 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 is 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 turns out that the card is really blocked, you can unblock it only by personally contacting the bank branch. In this case, you should take a card, passport and go to the 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 period.
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 on the initiativeInternet service.

Important information

This feature is disabled in some major stores. This is due to certain losses from sending SMS confirmations. In addition, a purchase can sometimes be made without the 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 looked at what the message “Your card has been blocked by the Central Bank of the Russian Federation.” means