Question from Sylvie de Troyes: “I just realized by doing my accounts that my bank card number had been used fraudulently for a distance payment. What should I do?”
Your question shows that it is always necessary carefully check the account statement transmitted every month by the bank. In your case, if you still have your card on you, this should not be a problem to obtain a refund of the sums taken. Indeed, if you have not been dispossessed of your card, the Financial and monetary code provides that the responsibility of a card holder is not engaged, “if the disputed payment has been made fraudulently, remotely, without physical use of his card” or “in the event of counterfeiting if, at the time of the contested operation, it was in physical possession of his card”.
From the moment you have spotted this anomaly on your account, contact Without further ado your bank. Indeed, you have 70 days from the date of this operation to contest it with your financial establishment, not one more day. In practice we advise you to call your advisor to tell him the problem and confirm your exchanges by sending a registered letter With acknowledgment of receipt, to keep a written track.
Respecting the 70 daysyou will be reimbursed for the sum which has been fraudulently debited from your account. Note that if this debit on your account has caused opposition fees or agios, these amounts will also be reimbursed to you within 30 days of the date of receipt of your dispute.