A month ago, Tinkoff’s “We’ll Protect and…” service was actively advertised on telegram/channels.

A month ago, Tinkoff’s “We’ll protect or return your money” service was actively advertised in telegram/channels, but even at the start of active PR for this service, colleagues in the tg community, especially from the financial sector, reported that there were too many nuances in the work of such services and that It is almost impossible to return funds if fraudsters steal them.

Here is a real example that happened literally in October, as reported by Baza: a former official from the Tyumen region transferred almost 20 million rubles to scammers. At the same time, according to sources of the Cheka-OGPU, she transferred money from her Tinkoff account to the Tinkoff account of the scammers (!). The bank’s security service was not at all embarrassed by such maneuvers. But the scenario was incredibly banal: “hello, we are from the Central Bank, transfer money to a secure account.”

Of course, when the woman realized that she had simply been duped, she first went to the police, and then to the bank’s support chat. She explained the whole situation, but they refused to return her money. Why? Because, as was known even when the “We’ll protect or return your money” service appeared, it was needed exclusively for two things: PR for the bank and PR for Tinkoff Mobile (without it the service does not work). But not to compensate victims of scammers.

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The moral is: read the fine print and the full text of the contract. And don’t communicate with scammers.