Is SFR a scam or not?

Solved

barbarakd -

Hello everyone,
While checking my bank accounts, I noticed that a payment of €75 with the description Carte Sfr Rech.Web/wap has been made from my account.

I am not an SFR customer, so I don't understand why such an amount was withdrawn from my account.
Can you help me resolve this issue and tell me how this could have happened?
Thank you very much, everyone.

Configuration: XP

4 answers

Answer 1 / 4 - Best answer
The best answer is the one that has been validated by our teams.
Afrikarnak Contributor
Hello..
Is this a payment by credit card? If so, change your card in case its information has been compromised (theft during an online purchase or data breach of a merchant's database..
If this is indeed an unauthorized transaction, invoke the Monetary and Financial Code:

Article L133-18

In the case of an unauthorized payment transaction reported by the user under the conditions set out in article L. 133-24, the payment service provider of the payer immediately reimburses the payer the amount of the unauthorized transaction and, where applicable, restores the debited account to the state it would have been in had the unauthorized payment transaction not occurred.

The payer and their payment service provider may contractually agree on an additional compensation.

The bank cannot require you to file a complaint... It must comply with the regulations, which do not require a prior complaint....

See you later.
9
1. barbarakd Author
  
  Thank you for responding so quickly,
  This is not a card payment.
  In fact, I only have the indication that I provided plus a date.
  
  0
2. barbarakd Author
  
  And if I understand correctly, it's the bank that has to refund me?
  
  2
3. Afrikarnak Contributor
  
  Re:
  Exactly... The text says 'payment operation', so whether it's a credit card or not, if there's fraud, the text applies..
  If it's a direct debit and no authorization has been given, the bank has shown carelessness..
  Keep us updated on what happens next..
  A+
  
  0
4. barbarakd Author
  
  @AfrikarnakThank you for the advice,
  I went to file a complaint at the police station, then at my bank. I will be reimbursed.
  Another charge was made with the same description, probably by the same person.
  For this offense, I didn't go to the police; a simple sworn statement to my bank was enough.
  It was a credit card fraud; how did the fraudsters gain access to the card number, code, and date? A merchant showed me the receipt kept for any credit card payment, ALL THE NUMBERS OF OUR CARD ARE ON THEIR RECEIPT, it only takes one dishonest merchant or employee to misuse your card for online or phone payments.
  The advisor told me it’s better to pay in cash if you don't know the merchant.
  Thanks again for your help.
  
  0
5. sakura14
  
  It's good to know because I've just received my bank statement and I also have 2 transactions of this kind.
  
  0
Answer 2 / 4
jns55
Hello,
I'm afraid this is a scam. SFR Rec/wap is mentioned in this thread discussing another scam of the same kind.
http://www.commentcamarche.net/forum/affich-17917438-escroquerie-carte-bancaire-orange-fil-88
or here:
http://www.yaronet.com/posts.php?sl=2&s=147729&p=2

I can only advise you to contact your bank very quickly to block your account and to contact the police to file a complaint.
0
1. barbarakd Author
  
  Thank you for the information,
  I went to the page and indeed it seems to be the same issue.
  If that's the case, more people need to be warned.
  
  0
2. jns55
  
  If they were able to withdraw money from your account, it means they have your card details. It was probably hacked either at a tampered ATM or during the payment of a purchase (dishonest cashier or tampered card reader, gas station, toll booth...)
  
  0
3. Fafa29
  
  Good evening
  
  My husband had the same issue but we were alerted by email with a confirmation code to verify that a payment of €9 was made at 4:27 AM on March 13, 2013, but it wasn't my husband who made the transaction. I called the bank, which told me there were 3 credit card transactions of €75 at 5 AM the same day, and I was told they were canceled. I immediately reported the credit card and went to my bank. They tell me that the transactions are authorized and that the source of the payments comes from an auto equipment supplier in the 92. It clicked for me that my husband orders online only from Oscaro.com, and the credit card transactions went through on the 15th under this name sfr wap/web. I don't understand anything!
  The worst part is that his card had been issued again in February 2013, and that's the only site he has used!!! Do not order from Oscaro using a credit card!!!!!
  
  0
Answer 3 / 4
Vivi
Hello,
I had the same problem with 2 SFR withdrawals of 75 euros during the night from Sunday to Monday. Fortunately, someone working in the fraud department of my bank called me on Monday morning at 9 am to warn me. I immediately blocked my credit card. That's when I researched online and read that if our PC is unusually slow and we've recently downloaded some small software or free utilities (which is my case), we often download malicious software, called spyware, that watches our banking operations online and sees the numbers we enter for our payments.
Indeed, I cleaned my PC, deleted all the latest software I had downloaded recently, and, miraculously, my PC is working normally and much faster now. I advise you to do the same and avoid downloading from certain sites.
If you have more information on this subject (spyware), please share it with us.
Have a nice day.
0
1. Afrikarnak Contributor
  
  Hello..
  Classic attack on a PC (poorly protected..) by a 'keylogger' associated with a 'Backdoor' allowing the hacker to export the stolen data..
  Google will tell you more about the subject.. Also see in this section: https://forums.commentcamarche.net/forum/virus-securite-7
  A+
  
  0
2. Evy
  
  Hello.
  I was charged €900 on my account due to a scam with my credit card on January 30 while I was at work! The charge is from SFR Puteaux and a ticket for Nanterre.
  The SFR agency in PUTEAUX received several calls like mine this morning at opening, and it turns out these are purchases made through the old SFR headquarters!
  I had to block my credit card immediately and go to the police station to file a report.
  The bank had me write a letter and will issue me a new card.
  I'm disgusted because I live alone and this amount is huge.
  I hope I will be reimbursed.
  Evy
  
  0
Answer 4 / 4
motus027
Hello, in some cases you may have to deal with a proximity judge.
0
1. Brenda
  
  Good evening,
  I am visiting this site to see if there is a way to create a collective of victims of online scams like this.
  My bank has detected fraudulent transactions on my account.
  Subsequently, they emailed me the details of the transactions made. Here is what I received:
  
  You contacted us regarding fraudulent operations that occurred on your current account n°.......
  
  Please find below the details of the concerned operations:
  
  09/10/2015-18:28:54 Internet Payment NATIONAL €444.00 CARD 09/10 DISNEY VACANCES MARNE LA VALLEE
  
  10/10/2015-15:28:06 Internet Payment NATIONAL €18.60 CARD 10/10 TICKETNETMASTER NANTERRE
  
  10/10/2015-22:58:05 Internet Payment NATIONAL €172.47 CARD 10/10 21RUN.COM MANNHEIM
  
  11/10/2015-16:36:31 Internet Payment NATIONAL €18.60 CARD 10/10 TICKETNETMASTER NANTERRE
  
  11/10/2015-20:55:11 Internet Payment NATIONAL €107.32 CARD 11/10 SFR FIXE RC SVI BOULO2466350/
  
  10/10/2015-20:47:29 Distance Payment NATIONAL €15.00 CARD 10/10 SFR RECH.SVI LCA PUTEAUX
  
  10/10/2015-20:43:24 Distance Payment NATIONAL €15.00 CARD 10/10 SFR RECH.SVI LCA PUTEAUX
  
  Total of fraudulent transactions: €790.99
  
  What to do in the face of these malicious acts? Especially since I am not rolling in money!!!...
  
  0
2. Afrikarnak Contributor
  
  Hello
  
  In the case of Unauthorized Transactions (such as credit card hacking), use the provisions of the Monetary and Financial Code.
  
  Article L133-18 C.M.F
  
  In the event of an unauthorized payment transaction reported by the user in accordance with the provisions of Article L. 133-24, the payment service provider of the payer immediately reimburses the payer the amount of the unauthorized transaction and, where applicable, restores the debited account to the state it would have been in had the unauthorized payment transaction not occurred.
  
  The payer and their payment service provider may contractually agree on additional compensation.
  
  No need to file a complaint (but it's better safe than sorry..). Of course, change the credit card!!!
  
  If there are any issues, return to the Forum. (Some banks are reluctant..).
  
  See you!
  
  0

Is SFR a scam or not?

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