Bizum doesn’t recognize an erroneous transaction that I didn’t authorize. How can I prove it?

If Bizum doesn’t recognize a transaction that you did not authorize, it’s crucial to act quickly and gather evidence to prove that you did not give consent. Here’s how to collect proof and initiate a formal claim:

• Access your online banking and download the receipt for the unauthorized transaction (date, time, amount, recipient number, and transaction code).

• Check your notifications: if you didn’t receive any Bizum alert (SMS, email, or push notification), you can use this as evidence that you did not give explicit consent.

• Temporarily block your account or Bizum service through your bank’s app and change your access credentials to prevent further suspicious activity.

• Contact your bank immediately. Ask to open a claim for an unauthorized transaction and request the refund form for fraud or error.

• Include screenshots, the transaction date, a description of the issue, and proof that you were not using your device at that time in your claim.

If your issue remains unresolved, you can file a complaint on Xolvie. This may help ensure your consumer rights are respected and that the problem is properly resolved.