Russian banks are recording an increase in cashback fraud cases — attackers organize schemes with fictitious purchases, promising clients easy income.
The money is returned either through transfers or through outlets with fake MCC codes. After the cashback is credited, part of the amount is transferred to the organizers. Such schemes are most active in banks with generous loyalty programs, especially in VTB, where you can get up to 30 thousand rubles for certain operations.
Against this background, VTB began to call clients for "conversations" in the office — especially those who earn large sums in cashback on the "Privilege" package. The bank believes that some clients are abusing the program, causing it losses. Clients are asked to voluntarily return the amounts received.
At the same time, VTB limited a previously available loophole — cashing out funds via QR from a credit account is now subject to a commission, albeit with the preservation of the grace period.
The bank does not comment on the mass mailing of "invitations", but clients publish screenshots of messages from VTB. Banks generally remind: cashback is only due for real purchases, and participation in such schemes may lead to blocking of cards, return of bonuses and разбирательствам с надзорными органами.
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