Banking and payments

What we usually find

• Repeated small charges, often from foreign merchants.
• Messages impersonating the bank that land in the same thread as the genuine ones.
• Calls asking you to move the money to a safe account.
• SIM swaps used to receive the verification codes.

Documents needed

• The statement with the disputed movements marked.
• The messages or emails received, undeleted.
• The bank's reply to your first complaint, if you already filed one.

What can be done with them

We document what was ordered, when and through which channel, and put in writing whether the account holder took part in each operation. That distinction is what changes the course of a banking complaint. Deadlines here are short: the sooner it is documented, the better.