How to Recover Lost Funds from Financial Scams via PIX: Legal Measures and Guidelines

The advancement of technology has facilitated financial transactions but has also led to an increase in electronic fraud, particularly involving PIX. Unfortunately, many people fall victim to scams and struggle to recover lost funds. However, there are legal measures that can be taken to attempt to recover the money and hold those responsible accountable.

Main Scams Involving PIX

Fraudsters use various strategies to deceive victims. Some of the most common scams include:

• Fake Customer Servise: Criminals pose as bank employees and trick victims into making PIX transfers.

• Fake Customer: Criminals pose as bank employees and trick victims into making PIX transfers.

• WhatsApp Cloning: Fraudsters impersonate acquaintances and request urgent transfers.

• Fake Online Punchases: Products advertised but never delivered after payment via PIX.

  
  

Immediate Measures for the Victim

If you have fallen victim to a scam, it is essential to act quickly:

1. File a Police Report – Report the fraud to the Police Department or through digital police stations.

2. Immediately Inform the Bank – Contact your financial institution to report the fraud and request containment measures.

3. Notify The Center Banck and The Procon (Consumer Protection Agencies) – File a complaint with the relevant authorities to formalize the occurrence and seek mediation.

4. Seek a Specialized Lawyer – Legal support can help implement legal measures to recover the amount.

   
   

Legal Aspects and Recovery Possibilities

The Brazilian Consumer Protection Code (CDC) and the Internet Civil Framework provide a legal basis for holding financial institutions and fraudsters accountable. Some possibilities include:

• Legal Action Against The Bank:  If there was a security failure in the transaction, the institution may be held liable.

• Judicial Blocking of Funds: The court may order the retention of diverted funds if they can be traced.

• Reimbursement Lawsuit Against Fraudsters:  If identified, the criminals may be sued.

  
  

Conclusion

Although it is not always possible to recover the funds, following the above measures increases the chances of recovery and prevents new victims. Specialized legal guidance is crucial to assessing each case and defining the best legal strategies.

If you have been a victim of a financial scam via PIX, seek legal assistance to protect your rights and explore recovery options.