{"id":812,"date":"2021-01-11T05:56:00","date_gmt":"2021-01-11T04:56:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/hameconnage-et-compte-bancaire-attention-aux-obligations-de-la-banque\/"},"modified":"2021-04-19T03:00:10","modified_gmt":"2021-04-19T01:00:10","slug":"hameconnage-et-compte-bancaire-attention-aux-obligations-de-la-banque","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/hameconnage-et-compte-bancaire-attention-aux-obligations-de-la-banque\/","title":{"rendered":"Hame\u00e7onnage et compte bancaire : attention aux obligations de la banque !"},"content":{"rendered":"<p >Parce qu\u2019il s\u2019estime victime d\u2019une utilisation frauduleuse de sa carte bancaire, un particulier d\u00e9cide de r\u00e9clamer le remboursement des sommes pr\u00e9lev\u00e9es sur son compte bancaire \u00e0 sa banque. A tort, selon celle-ci, qui lui rappelle \u00e0 son tour sa propre n\u00e9gligence\u2026 \u00e0 tort ou \u00e0 raison ?<\/p>\n<div>\n<h2> Hame\u00e7onnage : et si la banque manque \u00e0 ses obligations ?<\/h2>\n<p>Apr\u00e8s avoir re\u00e7u 2 sms l\u2019informant d\u2019achats sur Internet qu\u2019il n\u2019a pas effectu\u00e9s, un particulier d\u00e9cide de faire opposition \u00e0 sa carte bancaire et de r\u00e9clamer \u00e0 sa banque le remboursement des sommes correspondantes pr\u00e9lev\u00e9es sur son compte bancaire.<\/p>\n<p>Sauf, rel\u00e8ve la banque, que le particulier oublie qu\u2019il a pr\u00e9c\u00e9demment communiqu\u00e9 par mail des informations confidentielles relatives \u00e0 son compte bancaire, \u00e0 un interlocuteur se pr\u00e9sentant comme son op\u00e9rateur t\u00e9l\u00e9phonique\u2026 et que cela a permis de mettre en place un renvoi t\u00e9l\u00e9phonique des messages re\u00e7us de la banque, ainsi que les num\u00e9ro, date d&#8217;expiration et cryptogramme de sa carte.<\/p>\n<p>Une n\u00e9gligence grave qui justifie, selon la banque, un refus de remboursement.<\/p>\n<p>Sauf, rappelle \u00e0 son tour le particulier, que la banque ne peut refuser de lui rembourser les sommes pr\u00e9lev\u00e9es en raison de sa n\u00e9gligence grave qu\u2019\u00e0 la condition de prouver que l\u2019op\u00e9ration en cause a \u00e9t\u00e9 authentifi\u00e9e, d\u00fbment enregistr\u00e9e et comptabilis\u00e9e, et qu\u2019elle n\u2019a pas \u00e9t\u00e9 affect\u00e9e par une d\u00e9ficience technique\u2026 ce qui n\u2019est pas le cas ici !<\/p>\n<p>Ce que confirme le juge : parce que la banque se contente de relever la n\u00e9gligence grave du particulier, sans prouver que l\u2019op\u00e9ration, d\u00fbment enregistr\u00e9e et comptabilis\u00e9e, n\u2019a pas \u00e9t\u00e9 affect\u00e9e par une d\u00e9ficience technique, son refus de rembourser le particulier est injustifi\u00e9 !<\/p>\n<p>Source : Arr\u00eat de la Cour de cassation, chambre commerciale, du 12 novembre 2020, n\u00b0 19-12112<\/p>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/hameconnage-et-compte-bancaire-attention-aux-obligations-de-la-banque\" target=\"_blank\" rel=\"noopener\">Hame\u00e7onnage et compte bancaire : attention aux obligations de la banque !<\/a>\u00a0\u00a9 Copyright WebLex &#8211; 2021<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/arnaques.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Parce qu\u2019il s\u2019estime victime d\u2019une utilisation frauduleuse de sa carte bancaire, un particulier d\u00e9cide de r\u00e9clamer le remboursement des sommes pr\u00e9lev\u00e9es sur son compte bancaire \u00e0 sa banque. A tort, selon celle-ci, qui lui rappelle \u00e0 son tour sa propre n\u00e9gligence\u2026 \u00e0 tort ou \u00e0 raison ?<\/p>\n","protected":false},"author":0,"featured_media":4151,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-812","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hame\u00e7onnage et compte bancaire : attention aux obligations de la banque ! - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/actualites\/hameconnage-et-compte-bancaire-attention-aux-obligations-de-la-banque\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hame\u00e7onnage et compte bancaire : attention aux obligations de la banque ! - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Parce qu\u2019il s\u2019estime victime d\u2019une utilisation frauduleuse de sa carte bancaire, un particulier d\u00e9cide de r\u00e9clamer le remboursement des sommes pr\u00e9lev\u00e9es sur son compte bancaire \u00e0 sa banque. 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