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Pix scam and hacked account · SPD Advocacia

Fell for a Pix scam or had your account hacked? Act quickly

Pix sent by mistake to a scammer, transfers you didn't make, fake bank call center and the fake lawyer scam. See what to do now and send your case to the team.

Information based on the lawAttorney-client confidentialityReply via WhatsApp
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First hours

What to do now

  1. Notify the bank through the app or the official hotline. Ask to dispute the transaction and open the MED, the Pix Special Refund Mechanism. Write down the protocol number.
  2. Block access. If your phone was stolen or your account was hacked, ask for the account to be blocked, change your passwords and block the SIM card with your carrier.
  3. File a police report. It can be filed at the online police station. Keep the number.
  4. Keep the evidence. Pix receipts, screenshots of the conversations, the phone number and profile used by the scammer, emails and customer service protocol numbers.
The MED only returns money if there is still money in the receiving account, and the refund may be partial. That is why speed matters. Since September 1, 2026, anyone who sent a Pix due to fraud has up to 80 days from the transfer to request the refund.

Sources: Central Bank, BCB Normative Instruction 766, in force since 1º/9/2026; Pix Regulation.

What is your case?

Most common situations

I made a Pix to a scammer

Refund request and bank review

Fake seller, fake relative asking for money, fake investment. The first route is the MED. Institutions review the request within up to 7 days and return whatever is in the destination account.

Pix Regulation and MED Manual
Transfers I didn't make

Hacked account or stolen phone

Pix transfers, loans and purchases made by third parties can be challenged. Banks are liable for damages from fraud committed by third parties in banking transactions, and the analysis considers whether the transaction was out of line with your profile.

STJ Precedent 479; CDC, art. 14
Call from the fake call center

Scam using the bank's name

Someone posed as the bank and led you to make transfers or install an app. Each case depends on how the scam happened and how the bank acted.

CDC, art. 14
Fake lawyer scam

Pix request to release a case

Scammers use public case data to ask for payment of court costs or fees to release funds. Before paying, confirm by calling the official phone number of the firm handling your case.

Prevention
Loan in my name

A contract you did not sign

A loan or card taken out through fraud can be disputed, with a request to suspend the charges and remove your name from debtor registries.

CDC, arts. 14 and 42
A Pix I received was reversed

Improper refund through the MED

If you received a legitimate Pix and the amount was taken from your account through a false dispute, you can also dispute it. The deadline is now 80 days from the reversal.

BCB Normative Instruction 766

Sources: STJ Precedent 479; Consumer Protection Code, arts. 14 and 42; Central Bank of Brazil.

This page provides general information and does not replace an analysis of your case. The bank's liability depends on the circumstances of each scam, and there is no guarantee of a refund.

Step by step

How the firm works

  1. Review. We check dates, amounts, protocol numbers, conversations and the bank's response.
  2. Formal complaint. Where applicable, a complaint to the bank, its ombudsman and the Central Bank, requesting the transaction documents.
  3. Lawsuit. If there is no solution, a lawsuit against the institution for a refund of the amounts, cancellation of fraudulent contracts and compensation, when the case allows.
  4. Urgent requests. Suspension of charges and deductions and removal of your name from credit blacklists while the case is pending.
+5 thousand cases handledTen years of law practicePractice before the STJ and the STFFeatured in G1, UOL, Estadão and TV Globo

Case review

Let's review your case

Answer the questions, one at a time. At the end you can attach documents, which go straight to a folder in the firm's Drive, and send the summary via WhatsApp. Everything is protected by attorney-client confidentiality.

Common questions

Frequently asked questions

Is the bank required to refund?

It depends on the case. When the fraud involves a security failure, such as transactions outside the customer's usual pattern without being blocked or an account opened with fake documents, the courts may hold the bank responsible. When the victim made the Pix transfer, the analysis is more detailed.

Some time has passed. Is it still possible?

A refund request through the MED must be made within 80 days of the transfer. Even after that, there may be a path through the courts, which have longer deadlines. Send your case for review.

Do I need a police report?

It is recommended. The police report records the date and method of the scam and is usually requested by the bank and in the lawsuit.

I live in another city.

Service can be provided remotely. The firm serves clients throughout Brazil.

How much does it cost?

After the analysis, the firm sends a written fee proposal before any engagement.