1/4 - Unknown charge MPSMES: is this a card fraud scam?

 

'I see this charge on my account every month. I have no idea where it came from, so I don't know how to stop it. ' Do you recognize yourself in this testimony? If you also identify a debit from MPSMES, it means that your bank card has been entered on a website. Why, how? Well, no doubt in the context of a purchase of the type 'trial offer for a service' (some sites ask for bank details under the pretext of having you test their service for a few hours or a few days, or even to prove your identity. or majority (this is the case for dating sites, clairvoyance, videos such as series or films ...).

Unless your credit card has disappeared (lost or stolen card) and a malicious person has used it to register somewhere, there is a good chance that you are at the origin of this operation and therefore of this subscription to MPSMES.

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

 

2/4 - Where does MPSMES bank debit come from?

 

As explained above, this speed follows an internet subscription.

Our diagnosis: It seems that the CB MPSMES withdrawal is linked to an online service site subscription (dating site type or even good deals sites for example). How do they work? You enter your credit card numbers as part of a trial offer and you end up subscribed to the service. The company that manages MPSMES can thus deduct one or more sums from you each month under the pretext of a recurring subscription.

Please note: this direct debit is recurring. You must complete cancellation procedures to no longer be charged for the next few months.

 

3/4 - How to stop MPSMES card withdrawals?

 

There are two ways to stop cash withdrawals from MPSMES and to terminate any current subscription taken out against your will:

- 'I want to do all these steps myself': the solution (free)

1. 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?
2. 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)
3. 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 MPSMES:

1. 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. Their services are chargeable (and 'effective or reimbursed' guarantees).

 

4/4 - Can I cancel my card with my bank to stop MPSMES 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.