Attention, Villach! Online fraud is on the rise – how to protect your account!

Attention, Villach! Online fraud is on the rise – how to protect your account!

In recent weeks there have been increasing reports in Villach about unauthorized debits from bank accounts that occur without prior orders. According to Gailtal Journal This is a growing problem that is beginning to unsettle citizens. The perpetrators act in a highly professional manner and use fake websites and fraudulent emails to lure their victims into a trap.

One of the most common methods is sending fake emails sent on behalf of telecommunications companies. These messages often contain QR codes designed to trick recipients into installing fake apps that give attackers access to private account information.

Busy in online trading

The police have urgently warned the population to pay more attention to the seriousness of providers when trading online. Before placing an order, consumers should make sure that the online shop is trustworthy. The recommended payment methods include purchasing on account and escrow systems that offer protection for purchases.

We also advise you to check your account statements regularly in order to identify suspicious debits in good time. Particular caution should be exercised in the event of unexpected messages or payment requests. As stated in the report by RA Kotz As shown, action should be taken immediately even in the event of unauthorized debits. Those affected should remain calm and contact the bank to block the account and create handwritten documentation of the incident.

Instructions for action if fraud is suspected

The first steps in the event of unauthorized debits are crucial. First, the account or card should be blocked, which can be done either via the central blocking emergency number 116 116 or directly at the bank. It is recommended to block online banking access immediately and change the password. Those affected should secure all evidence, including screenshots of debits and bank statements.

Unauthorized debits must be reported to the bank immediately, preferably in writing, to increase the chances of a refund. The legal framework is clear: According to Consumer advice center Customers are entitled to a refund for unauthorized payments unless gross negligence can be proven. It should be noted that the deadlines for objections are usually between eight weeks for incorrect debits and up to 13 months for unauthorized debits.

Police report and legal action

In the event of unauthorized debits, it is advisable to file a criminal complaint with the police. This can be done online, although it makes sense to have all relevant documents ready. The faster the measures are taken, the higher the chances of refunding the unauthorized debits. Banks are often obliged to make a refund within 13 months unless they can prove gross negligence on the part of the customer.

The police in Carinthia are appealing to the regional press to educate citizens about the dangers of online sales and point out that the best security measures often come from the customers themselves. Protective measures such as regular review of security features and sensitive handling of payment instruments can help prevent future fraud attempts.