Pix, a digital service that facilitates transfers and payments through a key, is being used more and more among Brazilians. With a fast pace of use, criminals also created scams around the tool; one of them is known as the scheduled Pix scam, in which scammers use a fake transfer as bait to ask the victim for money.
Scammers Approach Victim With Pix Scheduled By Mistake
Criminals schedule a transfer and then contact the victim saying they made it by accident. They ask the person to return the deposited amount, always for urgent reasons.
But actually the money was never deposited into the victim’s account. When she transfers the amount back to the scammer, he ends the appointment and keeps the amount.
So, if the user receives a notification from a stranger that they have deposited money into their account, be careful: it could be a scam. The victim does not have access to an extract proving the scheduled Pix — this lie is used for criminals to approach the person.
In a booklet released on Thursday (17) the Civil Police of Santa Catarina (SC) warns that just because the criminal’s message does not prove the deposit of Pix. It is necessary to be suspicious of the deposited amounts, check the bank statement, and not return the transaction on the same day.
Scheduling a Pix is a feature that has been part of the service since its launch in November 2020. However, as of September this year, all financial institutions that adopt the tool will be required by the Central Bank (BC) to have the function of scheduling. The goal is to allow everyone to schedule instant payments.
The recommendation for victims of the scam is to collect as much information about the criminal – proof of the scheduled Pix and mobile number – and send it to the authorities. For those who fall for the coup in SC, the Civil Police of Santa Catarina recommends using the Denunciation Hotline – 181 – in the region, or contacting us at (48) 98844-0011 on WhatsApp.
WhatsApp current about Pix scam is rumor
A message about the scheduled Pix scam began circulating on WhatsApp this week, about how a victim would have fallen into the criminals’ trap.
The message content is as follows:
“Yesterday at work my colleague received a pix of 250 reais but it was in the scheduled option. She didn’t understand, from who had done it, right after she received a zap from a desperate person saying that she had done a wrong pix and it fell on her account, and if she could return it urgently because someone of hers was expecting this money.
My colleague at the time was so upset due to the despair of the person that she almost transferred, but thankfully we were with her because there was a big detail: Pix scheduled for the 15th in the case was going to drop today, so we realized that this is a new scam, so we talked to her, to tell the person that we would return it but when the money is in her account, as it was still scheduled! Because the money didn’t come in and the person blocked it So stay tuned it’s the new scam!!! *I received it in another group* *Stay Smart*”
Although it is possible to use the scam scheduling function, the verification site Rumors.org says this message has elements characteristic of fake chains that circulate through the messaging app.
The message does not prove what happened through a police report or other official documents. In addition, the verifiers found that when sending a Pix scheduled to Inter, Bradesco and Caixa bank accounts, the statement only appeared in the account of the person who sent the money. In other words, the victim would not be informed of the transaction on their own, as the text forwarded says.
With information: Nubank, Civil Police of SC and Boatos.org