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Unrecognized card purchases · SPD Advocacia

Purchases on your card that you did not make? Request the chargeback and compensation

Cloned cards, online purchases by scammers and a bank that rejects the dispute. See your rights and tell us about your case.

Negotiation or lawsuitAttorney-client confidentialityReply via WhatsApp
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Straight answer

Must the bank refund unrecognized card purchases?

As a rule, yes. The bank and the card issuer are liable for damages from third-party fraud, under STJ Precedent 479. When the customer disputes purchases they did not make and the bank refuses the chargeback without proof that the customer made them, it is possible to ask the courts for a refund, removal of charges and interest and, depending on the case, compensation.

What the law says

Key points

Defense

Notify the bank as soon as you notice and keep the protocol number.

Liability

The bank is liable for the security of its system.

Evidence

It is up to the bank to prove that the purchase was made by the customer.

Interest

Interest and charges on fraudulent purchases are also not owed.

Source: STJ Precedent 479; Consumer Protection Code, arts. 6, VIII, and 14.

What is your case?

Situations the firm handles

Cloned card

In-store purchases you did not make

Dispute and refund of the amounts.

STJ, Precedent 479
Online purchases

Use of card data

Online purchases with leaked data.

CDC, art. 14
Stolen phone

Use of the app and digital wallet

Purchases and transfers after the theft.

Case review
Bank refused

Dispute rejected

A denial without evidence can be reviewed in court.

CDC, art. 6, VIII
High bill

Interest on the fraud

Removal of interest and charges.

Case review
Bad credit listing

Negative listing over the bill

Name removal and compensation.

CDC
This page provides general information, does not replace an analysis of the case and there is no guarantee of results.

Step by step

How the firm works

  1. Review. We review contracts, statements and charges, and tell you frankly whether there is something to dispute.
  2. Calculation. We recalculate interest, fees and overpaid amounts.
  3. Negotiation or lawsuit. We seek an agreement with the bank or file the lawsuit, with an urgent request when appropriate.
  4. Follow-up. Decisions, accounting expert reports and enforcement, with updates via WhatsApp.
+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

Do I have a deadline to respond?

Notify the bank as soon as possible and keep the protocol number. Delay can make proof harder.

Do I need to pay the bill while I dispute it?

Ideally, pay the part you acknowledge and formally contest the rest.

Does a police report help?

Yes, as a record of the fraud.

What if the scam was via Pix?

See the Pix scam page, which covers the MED and the bank's liability.

Do you serve clients outside Anápolis?

Yes. Service is provided at the firm's office in Anápolis, or online for all of Goiás and other states.

How much does it cost?

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