“On the Internet, your security begins with your vigilance.” The awareness campaign of the French Banking Federation was thus titled last year. Nothing has changed. We are all actors of our own digital security. At the same time, every day has its share of new scams. In the plural because they are plethora and protean. The crooks are more and more ingenious and anyone can fall into the trap.
Vigilance
There are two main families of fraud: those that make you believe, through a very well-designed digital process, that you are going to regularize a situation. The site looks like two drops of water to that of your banker, your Internet operator or even the government. At the end of your very quick navigation, you are asked to pay a certain amount and you type in your card codes, cryptogram included. The amount is debited. Then there are the fraudulent e-commerce sites. Beautiful sites with beautiful products at attractive prices. Same, you enter your data, you pay by filling in each box of “Go to payment”. Then you wait for the order. Either it never arrives or it is very different from the initial photo. Customer service is absent but your account is debited. How to get your money back? In reality, it is not won. But not (still) lost either.
Limit fraud
“Fraudsters are everywhere. Each event revives their ingenuity. The personal training account, an earthquake, more recently, the Crit’Air sticker. We will tell you that the payment has not passed, that it is incomplete.. In short, we are going to confuse you. Stéphane Benoussaïd, director of customer experience, innovation and remote banking at Crédit Agricole Provence Côte d’Azur, knows the subject. Our role is above all to do prevention. Six times a year before periods of heavy online shopping, we send an email to customers to encourage vigilance, give instructions on how to check the reliability of merchant sites, not to communicate their confidential data… Since the introduction of strong authentication(1), online fraud has dropped considerably. We also have a team dedicated to the issue of fraud. Trained to support the client in this type of difficulty.”
What can the bank do? At Crédit Agricole, we offer SécuWeb, insurance for goods that are not delivered or do not comply with the order paid online with the insured bank card. Compensation subject to conditions within the limit of 3,000 euros. The same with the BNP NET card from BNP Paribas, says Olivier Laboup, director of the Nice area, “which includes the card with dynamic cryptogram and other services to secure online purchases such as non-compliant delivery and non-delivery guarantee, a legal protection assistant service for online purchases of goods between individuals as well as a solution Bitdefender security software to protect up to three devices.”
At the Caisse d’Epargne Côte d’Azur, the same educational battle with customers. “We do regular awareness-raising work, offer secure means of payment such as e-Carte Bleue, Paylib or Secur’Pass and we are committed to taking into account the evolution of risks and fraudsters’ methods.”
File a complaint
You have to turn to your banker but also file a complaint. Good luck with the government number – impossible to reach for us despite five tries – otherwise, the online pre-complaint, the visit to the gendarmerie or National Police, like the online complaint on the THESEE government platform work very well.
What are these complaints for? Not to be compensated it seems [lire par ailleurs] but to eradicate certain sites certainly.
In the vast majority of cases, it is the bank that carries the fraud. A large undisclosed amount that induces establishments to invest (a lot) in software to prevent fraud. At Crédit Agricole PCA, we explain: “If we record a debit from your credit card at a gas station at 8 a.m. in Nice and at 8:30 a.m., a transaction of 3,000 euros arrives from London, the operation will be blocked because the system has detected an anomaly. Stéphane Benoussaïd to clarify: 300,000 dubious transactions have been stopped.” Also try to install scam site detection software such as France Verif, for example, equipped with French-designed artificial intelligence(2). Afterwards. Open your eyes before you click.
> (1) Three criteria required before payment: knowledge (something only you know), possession (from one of your devices) and inherence (facial, digital or voice recognition).
> (2) www.franceverif.fr
“The criminal response is almost impossible”
If the ruse or deception cost you dearly, and the complaint filed yielded nothing, the judge can act. We asked the question to Romain Guérinot, lawyer at the bar of Nice.
“In my opinion, the criminal response is almost impossible without deploying major resources and launching international cooperation. The vast majority of fraudsters are abroad, provided with encrypted IP addresses (computer identification). , by extraordinary, his trace is found following an investigation (for large-scale scams), there is a good chance that the money has disappeared or is warm on another account. those who come to the office, destitute because they paid 20,000 euros thinking that they had been identified in the consultation of child pornography sites, without this being the case obviously. account of the gross errors written in the emails they received. We report to the Prosecutor but no more.
These victims will never be reimbursed. I think that 9 times out of 10, we do not find those responsible.
There is always the possibility of referral to the CIVI, the Compensation Commission for Crime Victims, but once more, this possibility is subject to resource conditions on the victim side and compensation is capped at 4,000 euros. You have to remain vigilant and don’t hesitate to seek advice from those around you.”
Useful contacts
Police and Gendarmerie
Register a pre-complaint online for any damage to property (theft, damage, fraud, etc.) of which you are a victim and for which you do not know the identity of the perpetrator. Then go to a national police station or the gendarmerie.
> www.pre-plainte-en-ligne.gouv.fr/
Hello Scam
Several sites and contacts to turn to: www.cybermalveillance.gouv.fr;
Plateforme THESEE at www.service-public.fr/particuliers/vos droits; 0.805.805.17. Good luck because we mightn’t reach them.
Consumer associations
On the government website: www.economie.gouv.fr/ Looking for the consumer association closest to you?
