2023-05-17 10:01:00
This Tuesday, May 16, 2023, the Banque de France published its recommendations to prevent and support victims in the event of bank fraud.
No one is immune. These figures show it: more than 3.5 million cases of fraud have been identified in six months and the amounts stolen are substantial. On average, 1,800 euros for check fraud, nearly 5,000 euros in the event of a transfer. In this context, the Banque de France published, on Tuesday 16 May, a list of recommendations on the security of electronic means of payment. The OSMP, the Observatory for the Security of Payment Means, also gives the general method to follow to know whether or not the bank must reimburse its customer in the event of a disputed transaction.
A real little bomb?!!!?
The @banquedefrance has just communicated recommendations on refunds in the event of fraud on your means of payment and there is heavy inside! It might change your life to read this thread… u23ec— Signal-Arnaques (@SignalArnaques) May 16, 2023
The OSMP gives in this report the general method to be followed to know if the bank must refund or not its customer in the event of dispute of a transaction.
1. File a dispute
When you make a dispute, the bank must react quickly: it must launch its investigation operations upon receipt and decide within 30 days maximum (except in exceptional circumstances), details in particular Signal-Scams on his Twitter account.
2. Wait 30 days
Be patient. Indeed, if the bank reimburses you but reserves the right to take back the funds, it must avoid doing so after 30 days. In summary, if your bank reimburses you “subject to change”, wait 30 days before declaring victory.
3. Ask for arguments in case of refusal
If your bank refuses the refund, it must necessarily explain why. mediator, justice).
4. Demand refund if disagree
As Signal-Arnaques explains, for a payment without strong authentication, if you deny having given your consent, you are required to be reimbursed.
5. No strong authentication = refund
When the user of the payment service disputes a payment transaction that he denies having authorized and which was carried out with a mobile application, he must be reimbursed.
6. No Negligence = Reimbursement
Even in the case of a transaction with strong authentication, you can be reimbursed in certain cases, detailed by the Banque de France.
7. The duty of care
To avoid fraud, you should never:
- give your codes to anyone (even relatives or the bank)
- write them down or whatever
And you have to be careful when people claim to be from your bank.
Note that the Observatory has also delivered six other recommendations if you want to be reimbursed, available ici.
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