Re: Customers 'blamed for card fraud'

[chris () blask org]

--- On Sun, 10/4/09, Juha-Matti Laurio <juha-matti.laurio () netti fi> wrote:

> "Banks usually reimburse fraud victims, unless the customer 
> acted fraudulently or without "reasonable care".

This is a hard one to argue against, it leaves the question of "how did they get your PIN?" to be answered.  The only 
answers possible are:

o  Someone saw/stole it
o  the bank has bad tech
o  the customer wrote it down

The first one is entirely possible if you had just used your debit card but hard to believe otherwise.

The second is possible but unlikely (most systems do not allow bank employees to see PINs), so it would have to be 
either really really bad tech or really realy smart and organized thieves.

The last seems much more likely.

Proving reasonable efforts for the bank is easy, for the customer is hard.  I'd hate to be arguing the customers' side 
in court.

-chris


      
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