The banks in question “make believe” that their customers cannot claim reimbursement of sums withdrawn without their consent from their bank account, whereas this is provided for by law. ANDREW BROOKES / CULTURA / PHOTONONSTOP UFC-Que Choisir announced on Tuesday June 28 that it had filed a complaint against twelve banks which “systematically” refuse to reimburse their customers when they indicate that they have been victims of fraud. These are people who claim that remote purchases have been made with the details of their credit card or by transfer, from their online account, without them being the authors. As the range of scams continues to grow, some customers have even seen the contents of their accounts siphoned off by scammers who have hacked their phone’s chip or posed as bank advisers, and added themselves to the list of transfer recipients. Read also: Agreement between UFC-Que Choisir and La Banque Postale on the home savings plan The institutions concerned by the consumer association’s complaint are: La Banque Postale, Crédit Agricole, Banque Populaire, BNP Paribas, Societe Generale, CIC, LCL, Boursorama, ING, Nickel, Cetelem and Floa Bank. Although the North and East Credit Mutual funds are regularly pointed out by their customers, they are not brought to justice, the UFC only prosecuting the national seats. The consumer association seized the criminal courts of the cities where they are located (Paris, Bordeaux, Lyon, etc.), citing “misleading commercial practices”. Deceptive banking practices The UFC considers that these banks are guilty of deceptive practices because they “deceive” their customers on “the extent of their rights”: they “make them believe” that they cannot claim reimbursement of sums withdrawn without their consent from their bank account, whereas this is provided for by law. On March 4, 2019, the Nickel banking service wrote to a customer, who disputed having spent 869.99 euros on eBay, but whose purchase was validated with her card: “We are not able to proceed with the refund, because it is not a fraud, but a scam on the Internet. “He invites the client to” get closer to the competent police services, because that is their responsibility “. Similarly, on May 29, 2020, La Banque Postale indicated to its customers, whom it forced to file a complaint: “It will be up to the person making the transfers to compensate you when he has been identified. ” Read also: Article reserved for our subscribers A customer obtains the condemnation of his bank for abusive procedure However, the monetary and financial code (article L133-18) provides that, when the customer reports to the bank “an unauthorized payment transaction “, the latter must reimburse it “immediately”. This refund must relate not only to the amount of the unauthorized transaction, but also to any fees applied (if the payment resulted in an overdraft). You have 51.67% of this article left to read. The following is for subscribers only.
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