1/4 CB FTNINST withdrawal: who is it? What are they selling? Is this a scam?

The company behind FTNINST is a website that charges you for services. FTNINST debits correspond to a subscription: they are therefore recurring withdrawals.

Concretely, you have undoubtedly entered your bank card on a site to subscribe or simply test a service (adult content, clairvoyance, contests, content such as videos or music in streaming, coaching service, reduction sites ... Online services are very varied).

Is this a scam? YES IF your bank card has been stolen and used by a third party. If you made a purchase yourself, it is not a card fraud. We tell you more below.

2/4 Why are you seeing FTNINST withdrawals on your account?

The company behind FTNINST charges you because you (or someone with access to your credit card details) entered your card on a website. In what context ? Well, for example, to take out a subscription or a trial offer leading to a subscription.

Note: subscriptions linked to FTNINST direct debits may not be requested by Internet users. Know that attractive trial offers often automatically turn into subscriptions, if no steps are taken to refuse this.

3/4 How to cancel FTNINST direct debits? 2 possibilities :

There are 2 solutions to terminate FTNINST direct debits and cancel / stop the current subscription:

- You want to do the procedures alone: ​​the solution (free)

1. Identify the site at the origin of these cash withdrawals (i.e. the site on which you entered your credit card details and took out a subscription)
2. Once you have found the site in question, connect to it (if you have a current subscription, the site knows you and you have an account with them)
3. Once logged in, you will generally find the unsubscribe procedure in the site settings, or even, in certain situations, the termination procedure will be offered to you from the first page.

- You wish to be accompanied by an expert professional: entrust your termination problem to a service provider. Our recommendation to help you stop FTNINST direct debits: sos-internet :

1. Investigation: agents take care of the identification searches of the company that takes you from you
2. Administrative: they carry out the termination procedures
3. Confidence: they guarantee 100% of 'effective or reimbursed' services

4/4 Blocking your bank card to stop FTNINST debits: a good idea? Opinion of a banker:

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. Indeed, the General Conditions of Sale (Terms and Conditions or CGU, General Conditions of Use) clearly indicated that the trial offer was extended by a subscription if the Internet user was satisfied with the service and did not communicate to the company, his willingness to terminate the engagement. This court decision explains why a banker may refuse to block your card if you are the initiator of the purchase.

If you are still in possession of your bank card, it is very unlikely that it is a card hack as explained above: blocking the card would therefore mean not honoring a contract for which you signed up. engaged. We therefore do not recommend blocking your credit card but carrying out the online procedures to cancel the current subscription.

On the other hand, if it is a card fraud (and therefore, if a stranger used your bank details) you can declare it stolen / lost from your banker. You will also be able to open a fraud file to try toget a refund (this point is to be done directly with your bank).