Bank made to pay for US$3,000 card theft
Print Edition
A BANK has been ordered to compensate a Shanghai woman who had 20,000 yuan (US$3,240) withdrawn from her account by a person using a counterfeit debit card.
The ruling was announced yesterday by the Jing’an District People’s Court. It declined to name the bank.
The victim, surnamed Zhou, received a text message in April saying that 20,000 yuan had been withdrawn from her account in four transactions conducted within two minutes in the Guangxi Zhuang Autonomous Region. The account was also debited 208 yuan as a service fee.
Zhou immediately reported the incident to police and contacted her bank to freeze the account.
When she later asked the bank to refund her money, however, it refused, claiming she could not prove the transactions had been made using a counterfeit card.
In court, Zhou produced the text message as evidence of the timing of the transactions, as well as records of the call she made to the bank’s service center and her visit to the police station, during which she presented her debit card.
Based on the fact that the withdrawals were made in Guangxi while Zhou was in Shanghai, plus the supporting documentation, the court ruled that the incident was a clear case of card fraud.
As the bank is responsible for the security of Zhou’s personal information and the assets in her account, it is therefore liable for the losses resulting from such information being leaked to and exploited by a third party, it said.
The unnamed bank was ordered to repay Zhou 20,208 yuan plus interest.
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