Between 2010 and 2012, credit card fraud rose 44%. The law protects consumers by ensuring the amounts stolen by banks.
More than 700,000 households were reported victims of at least one fraudulent charges using the credit card in 2012, an increase of nearly 44% compared to 2010 , according to a report released Tuesday ONDRP .
” The proportion of households who reported being victims of fraudulent charges on their bank account increases very significantly between 2010 and 2012,” points out in his study of the National Observatory of crime and criminal justice responses ( ONDRP ) . In 2010, 500,000 households declared themselves victims of credit card scams , against 718,000 two years later.
The amount stolen was less than 300 euros in half the cases , and greater than 1,000 euros for 20 % of victims. In general, the victim of theft of banking data is protected by the law which obliges banks to repay their customers are all lost, even if they have not complained and even without the means insurance payment. Imposes a condition : they must not have committed serious misconduct such as losing their card with their code example above . In case of gross negligence of the customer, an excess of 150 euros applies.
60% of victims know the procedure thief
Another lesson from this survey : nearly a third of the victims were notified of one or more transactions on their behalf by their bank, while 65% are looking preview their accounts.
Uncertainty remains: the vast majority of households (60% ) do not know how the offender has obtained confidential information about the bank account.
The greater the flow and the greater the propensity of households to file a complaint increases.
Thus , 54 % of these victims said they reported the incident to the police or the gendarmerie in 2012 , marking a slight increase compared to 2011 and 2012 surveys . Nearly 80 % of victims recognize also file a complaint for a refund of harm by their bank.
INSEE and ONDRP interviewed 14,500 households residing in metropolitan France as part of an annual survey ” Quality of life and security,” conducted between April and June 2013 on the statements of 2012.