Bank card lost or stolen?
Hello everyone,
Last weekend I lost my bank card. I had it blocked on Sunday (just a few hours after I noticed it was missing). Since then, nothing has happened to my bank account. This afternoon, I saw a pending payment of around €300 from a Tegut supermarket. The purchase was apparently made yesterday evening. The payment method listed there was SEPA ELV direct debit – that means the person only had to confirm the payment with a signature, right? As soon as I saw that, I went to the bank – they were quite surprised that this was possible, even though the card was blocked. Then I went to the police to file a report.
The bank has to refund me the money, right? Since I blocked the card on Sunday and the purchase was only yesterday evening, right? I still don't understand how it's possible that I could pay with the card even though it's blocked.
Would it make sense for me to open a new bank account? I'm worried that whoever has this card might still be able to do something silly with my card in the future by using the IBAN for online purchases, etc. Especially since it already worked at tegut, surely it will work in the future at the same store or other stores as well?
Best regards
(1 votes)
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The use of the card in the ELV procedure is not prevented by the card lock. Then you should have caused a so-called KUNO message to the Polzei. The participation of business enterprises in KUNO is voluntary. That doesn’t always have to work. However, you did not use the card yourself and therefore did not grant a valid SEPA direct debit mandate. Since ELV is not a card payment, it is possible to return the direct debit.
If the payment happens after your blocking, you have no problem.
I’m not quite sure how this is with debits right now, but if the company that read the card doesn’t check the sperfiles then I think it’s their problem. But seriously, you’ll probably have to talk to a lawyer.
I think you can call it back. I would, however, first contact a consumer center. Because you don’t get legal advice here.
Sepa lastwriting can be called back. Yes is quite strange when a business does that instead of choosing safe direct booking.
You should’ve gotten a KUNO break with the police. You didn’t do that.
Card at the bank don’t leave teicht there.
That’s what Polzei said to me today, but the problem is that I don’t have my card number and card number, I have to ask the bank and then you can make a KUNO lock.