Is the COGIGA direct debit a bank card scam fraud?
'I see a COGIGA debit on my account and it comes back every month. I have no idea where it came from, so I don't know how to stop it. ' : if you take a debit from COGIGA, this means that your bank card has been entered on a website linked to this platform as part of a purchase or a majority check for example (some sites ask for the bank details under the pretext of verifying that you are of legal age, others offer you super-attractive trial offers to then subscribe to their service).
Unless your payment method has disappeared (lost or stolen card) and a malicious person has used it to register on a website of this type, there is a good chance that you are at it. origin of this operation and therefore of this subscription to COGIGA.
We cannot therefore consider that it is a scam in the sense that it is not a bank card hacking.
What is the origin of the COGIGA direct debit?
As explained above, this flow is the consequence of a subscription to an online service.
Our diagnosis: According to the feedback from Internet users who have observed this type of flow, it would seem that the CB COGIGA withdrawal is the consequence of a subscription to an adult content site (adult dating or videos for example) or to a clairvoyance site. Don't you remember having taken out a subscription? Maybe it's because you thought you were just entering your bank details for a little trial offer (or even to prove your majority or your identity). Many sites offer 'trade mechanics' in order to sell subscriptions.
Please note: this direct debit is recurring. Remember to take steps to terminate it so as not to be charged in the next few months.
How to stop COGIGA direct debits?
There are two solutions to stop withdrawals from COGIGA and terminate any subscription taken out against your will:
- 'I want to manage on my own': the solution (free)
- Identify the site at the origin of these withdrawals: on which site did you enter your bank card details?
- Once you have found the site, connect to it (if you have a current subscription with them, you have created an account in the past)
- Once logged in, you will usually find the unsubscribe procedure in the site settings
- 'I prefer to let a pro handle the problem': go through a service provider such as Sos Internet to help you stop direct debits COGIGA:
- They take care of the identification searches of the company that takes your money
- They carry out the termination procedures
- They send you a confirmation email once everything is stopped
Can I block my card with my bank to stop COGIGA direct debits?
If it is a card fraud, that is to say, if the card has been lost and used by a third party, you can declare it lost with your banker. You will also be able to open a fraud file to try to obtain a refund (this point is to be discussed directly with your bank advisor).
If you are still in possession of your card, it is very unlikely that it is a card hack: in this case, you have entered your bank details and have validated the GTC (General Conditions of Sale) which informed you about a possible subscription: blocking the card would therefore mean not honoring a contract for which you have signed up. We therefore do not recommend blocking your credit card.
The legal point : in March 2018, the court of cassation accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. This is the reason why a banker may refuse to block your card if you are the originator of the subscription.
you debit my bank account when i don't know you also i wish you would stop debiting my account i will go to my bank to oppose