Go completely crazy, of course. My wife received a call with an offer to sign up for "fraud insurance". "The rabbit was very polite", so instead of hanging up immediately, like when talking to a real scammer, she simply refused several times and asked not to connect anything to her, but simply to send the agreement to the chat for review. After that, she immediately receives a notification about connecting to the service and the first monthly payment is charged. I repeat, no consent, no SMS code or at least confirmation in chat or during a call. Just pick it up and plug it in. The issue price is a symbolic 299 rubles, but if you can delete 299 rubles without the user's consent, then you can at least clear the entire balance. what is this A. F, in response to the cry "Are they crazy there", don't even bother to apologize, but simply cancel the subscription and promise to return the money within 5 days, saying, "bad luck, no luck, let's try to lock another sucker". In short, if the bank sells you something and you don't need it, then forget about politeness and just hang up. The advice when communicating with a bank is exactly the same as when communicating with real phone scammers. We succeeded in B, regarding the service itself, I have no data on law enforcement practices, but the clause in the contract leaves the bank with enormous room for maneuver: according to the risk, "social engineering" is not covered by insurance (not an insurance case), unless otherwise stipulated in the insurance agreement:
a) Loss of funds if the first conversation between the holder (or his close relative) and the attackers, as well as misrepresentation did not occur during a phone call, by sending an SMS or a conversation (oral, written or video call) on the Internet.