In 2020, nearly a third of fraud victims were not reimbursed by their banking establishment -

ALLILI MOURAD / SIPA

According to a survey carried out by UFC-Que Choisir, 30% of victims of fraud have not been reimbursed by their banking establishment in the past 12 months.

A clear increase compared to last year (26%) notes the association for the defense of consumers.

For Matthieu Robin, in charge of the financial sector for UFC-Que Choisir, this reduction in reimbursements is all the more worrying "knowing that the legal framework is greatly improved for consumers who are victims of fraud today".

Equipment issues

Since September 14, 2019, the use of single-use codes as a means of authentication on the Internet is no longer considered sufficient and the victim can no longer be accused of negligence, the only reason allowing banks to be exempt from reimbursement. of fraud.

From now on, a password or a digital recognition system must be used, and according to UFC-Que Choisir, only 46% of consumers are equipped with a “strong authentication device”.

"Maneuvers" to avoid the obligation to reimburse the victims

"Banks are late in securing remote transactions", pointed out the association in a press release, which denounces "maneuvers to escape their obligation to reimburse amounts owed to victims".

The French Banking Federation swept aside the accusations by explaining that once the fraud was revealed by the customer, "each bank then organizes itself to assess the situation, depending on the circumstances and the type of fraud, and to ensure the treatment".

Contactless payments and online payments particularly affected

These frauds, which mainly concern contactless payments and online payments, could increase by 20% this year and reach 600 million euros, driven by the confinement which has led to increased use of these means of payment.

All the more so since the ceiling for contactless payment has been raised to 50 euros and even the opposition of the card does not allow this payment system to be blocked, as long as the ceiling is not reached, that is, ie up to 150 euros cumulated or five transactions.

Miscellaneous

Toulouse: he cheats his bank to get a loan and buy a Mercedes

Economy

Payment: The use of contactless on the “spectacular” rise, notes the Banque de France

This survey was carried out between September 2 and 9 among 1,535 consumers who were victims of fraud over the past twelve months and who subscribed to the UFC-Que Choisir newsletter.

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