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{"id":2374664,"date":"2021-05-05T11:03:03","date_gmt":"2021-05-05T09:03:03","guid":{"rendered":"https:\/\/www.phonandroid.com\/?p=2374664"},"modified":"2023-12-19T09:40:19","modified_gmt":"2023-12-19T08:40:19","slug":"carte-bancaire-banques-obligees-rembourser-clients-victimes-fraude","status":"publish","type":"post","link":"https:\/\/www.phonandroid.com\/carte-bancaire-banques-obligees-rembourser-clients-victimes-fraude.html","title":{"rendered":"Carte bancaire : les banques sont oblig\u00e9es de rembourser les clients victimes de fraude"},"content":{"rendered":"

Les banques sont oblig\u00e9es de rembourser les clients victimes de fraude \u00e0 la carte bancaire, rappelle la Banque de France. Ce remboursement doit imp\u00e9rativement \u00eatre fourni un jour apr\u00e8s la plainte d\u00e9pos\u00e9e.\u00a0Si l'\u00e9tablissement bancaire estime que le client s'est montr\u00e9 n\u00e9gligent, elle doit en apporter la preuve.<\/strong><\/p>\n

\"carte<\/p>\n

De nombreuses banques refusent de rembourser les clients victimes d'une fraude \u00e0 la carte bancaire<\/a>. Pourtant, la loi contraint les \u00e9tablissements bancaires \u00e0 rembourser le porteur de la carte dans un d\u00e9lai d'un jour ouvrable apr\u00e8s le d\u00e9p\u00f4t d'une plainte, rappelle un communiqu\u00e9 de l\u2019Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution (ACPR) et la Banque de France. “Les op\u00e9rations effectu\u00e9es par carte bancaire peuvent \u00eatre contest\u00e9es d\u00e8s lors qu\u2019elles n\u2019ont pas \u00e9t\u00e9 autoris\u00e9es par les clients, c\u2019est-\u00e0-dire lorsque ceux-ci sont victimes d\u2019une fraude” <\/i>d\u00e9taille le communiqu\u00e9.<\/p>\n

Pour \u00e9viter de rembourser leurs clients, certains banques accusent le porteur de la carte de n\u00e9gligence. En cas de n\u00e9gligence (si le client n'a pas veill\u00e9 \u00e0 s\u00e9curiser ses coordonn\u00e9es bancaires lors d'un achat en ligne par exemple), la banque n'est pas l\u00e9galement tenue de rembourser les sommes perdues<\/a>, ni les “\u00a0frais li\u00e9s, par exemple frais de d\u00e9couvert”.<\/i> Un arr\u00eat de la Cour de Cassation datant d'octobre 2018 stipule bien que les clients coupables d'une “n\u00e9gligence grave”<\/em> ne sont pas couverts par leur banque.<\/p>\n