ADAC customers in need: How to protect yourself from credit card fraud!

ADAC customers in need: How to protect yourself from credit card fraud!

Baden-Württemberg, Deutschland - We always read about fraud stitches that rise in digital payment transactions. A case of an ADAC customer from Baden-Württemberg is currently particularly revealing. The owner of an ADAC credit card has noticed unauthorized payments of around 4,000 euros and opposed it. But the situation escalates: Solaris, the financial service provider, is adding a debt collection company to collect the money. This is how the dispute develops about who is ultimately liable for fraud.

Basically, consumers are not liable for payments that they have not approved. Banks can only claim the claims if they prove that the customer has grossly negligent. The injured party emphasized that he contradicted the unauthorized debit in writing. But this shows a pattern: Many banks turn responsibility to their customers. According to the Consumer Center the protection against fraud is often insufficient, and in many cases the customer remains alone with his problem.

in digital payment transactions

The consumer center points out that there has been an increase in fraud attempts in online banking recently. Customers should therefore react immediately if they suspect. The recommended procedure is:

• lock the account immediately.
• file a criminal complaint.
Inform
• recipient bank.
• demand written reimbursement from your own bank.

For consumers, this means that in the event of a refusal of the bank, they may take legal steps and switch on an arbitration board.

According to the applicable regulations, payment service providers must immediately reimburse the amount for non -authorized transactions. According to § 675U BGB, the mere input of the PIN is not sufficient to demonstrate gross negligence. These requirements are partially evaluated by the courts, which leads to an unsafe situation for consumers. For example, the Darmstadt District Court decided that there was no gross negligence when a bank customer lost over 6,700 euros from a fraudster.

The responsibility of the banks

The problem is that many banks often do not adhere to legal requirements and only insufficiently support the victims of fraud. Another judgment of the Cologne District Court has shown that a bank was obliged to reimburse 14,000 euros after a fraudster was a real bank employee. Similar cases accumulate and consumers always have the feeling that they are left alone.

whether consciously or unconsciously, the banks have to be aware that they have a growing responsibility for security in online banking. In today's world, in which digital payment has never been so common, safety precautions have to be improved and clear information provided to protect customers more effectively.

Overall, it becomes clear that customers must be vigilant. Despite the legal claims on reimbursement of non -authorized payments, there are many imponderables. "This development towards more online banking creates new fraud options," says Nauhauser from the consumer center. Therefore, it is all the more important that consumers get good information about their rights and the possible risks.