1/4 - Is the YOTIYE debit a credit card fraud / scam?
If you notice a debit from YOTIYE, it means that your bank card has been connected to a website which offers paid services.
Here are a few examples: a trial offer on a site for gifts or discount products, on a clairvoyance site or even on a site for adult content or dating ...
UNLESS your bank card has disappeared (and someone else has used it to register on a website), there is a good chance that you are at the origin of this subscription to YOTIYE. Perhaps you did not understand that entering your bank details could lead to a subscription (this is quite possible and unfortunately very common.)
In summary, we cannot consider it a scam in the sense that it is not a credit card hack.
2/4 - What is the origin of the YOTIYE card debit?
As detailed above, this card debit follows an internet subscription.
Our diagnosis: It seems that the CB YOTIYE withdrawal is the consequence of a recurring subscription. You don't remember having taken out a subscription for an online service? Perhaps you did not directly enter your bank details for a subscription but rather as part of a trial offer like '3 days trial for a few euros'. This kind of commercial mechanic is very common and aims to collect your banking information to subscribe to the service and withdraw money from you each month.
Namely: this direct debit is recurring. You must complete cancellation procedures to no longer be charged for the next few months.
3/4 - How to end YOTIYE bank debits?
There are two ways to stop cash withdrawals from YOTIYE and to terminate any current subscription taken out against your will:
- 'I want to do all these steps myself': the solution (free)
- Find the site linked to these direct debits (= the site on which you took a trial offer): on which site did you enter your credit card details?
- Once you have identified the site, connect to it (if you have a current subscription with them, you have created an account there in the past)
- Once logged in, you will generally find the unsubscribe procedure in the site settings (which can be found in the 'my account' or 'membership' areas depending on the site)
- 'I do not wish to carry out the procedures alone and I prefer to let a professional handle the problem': you can go through a service provider such as Sos Internet to help you stop direct debits YOTIYE:
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- 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
- Their services are chargeable (and 'effective or reimbursed' guarantees).
4/4 - Can I cancel my card with my bank to stop CB YOTIYE direct debits?
If you are still in possession of your bank 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) that 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.
If it is a card fraud, that is, if the card has been physically lost and used by a third party, you can report it lost to your banker. You will also be able to open a fraud file to try toget a refund (this point is to be seen directly with your bank adviser).
What the law says ? : 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.
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