--- On Sun, 10/4/09, Juha-Matti Laurio <[email protected]> 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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