Nearly a third of victims of fraud have not been reimbursed by their banking establishment over the past twelve months, a figure that is increasing despite more protective regulations for consumers, the UFC-Que Choisir association alerted Thursday.
In total, 30% of victims of fraud have not been reimbursed this year, shows a survey carried out by the association for the defense of consumers, against 26% the previous year or against 20% according to a figure from the Ministry of Interior released at the time.
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.
For Matthieu Robin, responsible for the financial sector for UFC-Que Choisir, interviewed by hooly News, 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. hui “.
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”.
“The banks are late in securing remote transactions”, pointed out the association in a statement, which denounces “maneuvers to escape their obligation to reimburse the sums due to the victims”.
Asked by hooly News, the French Banking Federation swept aside the accusations by explaining that once the fraud was revealed by the client, “each bank then organizes itself to assess the situation, depending on the circumstances and the type of fraud, and to ensure the treatment”.
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 resulted in increased use of these means of payment.
Especially 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.
10/22/2020 08:57:47 –
Paris (hooly News) –
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