1/4 - Is FNDYVW debit a card fraud scam?

'I see this levy 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 receive a debit from FNDYVW, this means that your bank card has been entered on a website as part of a 'trial service offer' type purchase (some sites ask for bank details under the pretext of making you test their service for a few hours or a few days, or to prove your identity or majority.).

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 FNDYVW.

In this sense, we cannot consider it a scam in the sense that it is not a bank card hack.

2/4 - What is the origin of the FNDYVW bank debit?

As detailed above, this card debit follows an internet subscription.

Our diagnosis: It seems that the CB FNDYVW withdrawal is the consequence of a recurring subscription. You do not remember having taken out a subscription for an online service? Maybe you didn't directly enter your bank details for a subscription but rather as part of a '3 day trial for a few euros' type trial offer. This kind of commercial mechanics is very common and aims to collect your banking information to subscribe to the service and take 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 put an end to FNDYVW bank withdrawals?

There are two solutions to stop withdrawals from FNDYVW and terminate any subscription taken out against your will:

- 'I want to manage on my own': the solution (free)

1. Identify the site at the origin of these withdrawals (= the site on which you took a trial offer): on which site did you enter your credit card details?
2. 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)
3. Once logged in, you will usually find the unsubscribe procedure in the site settings

- 'I prefer to let a professional manage the problem': go through a service provider such as Sos Internet to help you stop direct debits FNDYVW:

1. They take care of the identification searches of the company that takes your money
2. They carry out the termination procedures
3. They send you a confirmation email once everything is stopped

4/4 - Can I cancel my card with my bank to stop FNDYVW direct debits?

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 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.

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.