UFC-Que Choisir is filing a complaint against 12 French banks that refuse to compensate for the fraud.

UFC-Que Choisir is filing a complaint against 12 French banks that refuse to compensate for the fraud.


UFC-Que Choisir has announced that it is filing a complaint against 12 French banks for commercial fraud. In a press release, he points out the many tactics used by them to avoid paying the victims of fraud, often trying to expose the accountability of the victims in the scandal.

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1.2 billion euros : this is the total amount of fraud recorded by Banque de France in 2021. Each year, fraud affects more and more victims. They were 1.3 million in 2020, a 161% increase since 2010. It must be said that the risks are increasing and that hackers are full of tricks to push their victims’ bank accounts. Worse, it often happens that the bank refusing to return the money these last.

However, the law obliges them theoretically to recover the losses of their customers in the event of a scandal, with the exception of one: if the client concerned is presumed guilty.gross negligence, such as distributing his bank IDs to a fraudster. However, according to the UFC-Que Choisir, banks regularly request this discrimination to avoid compulsory paymentoften without any valid reason.

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12 French banks do not reimburse their customers who are victims of fraud

Of the nearly 4,300 reports received, the UFC-Que Choisir indicates this 60% is associated with fraud of more than 4,000 euros. Some even reach several thousand euros. However, this does not prevent many banks, the leading Banque Postale and Crédit Agricole, from refusing to pay their affected customers. To do this, many of them make the client look carelesswhich the organization finds to be misleading as, very often, the latter has only authorized the operation by SMS.

Some believe that in a situation where two-factor authentication is enabled, customers are not at risk of being hacked and therefore a systematic refusal to restore, without further explanation. Finally, some banks defend themselves by claiming that their insurance does not pay the victims of fraud. “In the face of increasing levels of fraud, we will not allow banks to free themselves from their responsibilities.”writes Alain Bazot, president of the UFC-Que Choisir.

The 12 French banks are now the ones the organization is complaining about: La Banque Postale, Crédit Agricole, Banque Populaire, BNP Paribas, Société Générale, CIC, LCL, Boursorama, ING, Nickel, Cetelem na Floa Banque.

Source: UFC-Choice