أسئلة وأجوبة
Bank rejects my dispute for unauthorized transactions. What next?
Good day,
I'm using a credit card with one of the banks in the UAE. I received an SMS stating that my card was added to Apple Pay, followed by a debit transaction of AED 15,000, then two OTPs, and finally seven debit transactions.
By the time I blocked the card, a total of eight transactions had occurred, amounting to more than AED 90,000.
I immediately called the bank after blocking the card and reported all the fraudulent transactions. I also sent Dispute Forms the same day.
The next week, the bank sent me an email rejecting all dispute transactions, stating that they were done in a secure environment with Apple Wallet, etc., and were tokenized transactions.
Now they are asking me to pay all outstanding amounts. I did not authorize these transactions, never entered any OTP anywhere, and informed the bank within less than one hour of these fraudulent transactions.
How can I resolve this situation? Do I have a chance of winning if I file a civil case?
Dear Questioner,
As long as the withdrawals were made illegally, we believe that you have a strong case against the bank and can file a lawsuit to challenge the transactions.
We suggest requesting the assignment of technical expertise to verify the validity of these transactions and determine whether they resulted from an error in the bank's systems or a mistake on your part.
If it is proven that the error was on the bank's part, you would likely win the case and could claim compensation for material and moral damages.
Please contact us via email or call our offices in Dubai or Sharjah.
Jasim Al Haddad Law Firm
Legal Counsel and Consultations
Dear questioner,
You can report this incident to the Central Bank and after the same, you can file a civil case if the Central Bank rejects your complaint.
If you need further clarification, please share your WhatsApp number.
Dear Questioner,
Thanks for your inquiry!
According to UAE law, the bank is responsible for ensuring the security of their customer's credit cards and protecting them from fraudulent transactions.
If you have not authorized these transactions and have informed the bank immediately, you have a strong case to dispute these charges.
You can try to resolve the situation by contacting the bank again and providing them with any evidence you have, such as the SMS notification and the fact that you did not enter any OTPs.
You can also file a complaint with the Central Bank of the UAE, which regulates banks in the country.
If the bank still refuses to reverse the charges, you can consider filing a civil case against them. However, it is important to note that this can be a lengthy and costly process.
It is recommended to seek legal advice from us as a lawyer who specializes in UAE law, before taking this step.
In any case, it is important to act quickly and keep all communication with the bank in writing. This will help you in case you need to provide evidence in court.
Kindly feel free to contact us via phone or email.
Greetings,
The bank is responsible for ensuring the security of their customers' credit card transactions.
If you have not authorized the transactions and reported them to the bank immediately, you have a strong case for disputing the charges.
Contact us!
Dear Questioner,
Thank you for reaching out to me regarding the concerning situation with your credit card transactions. I understand the distressing nature of unauthorized charges and the subsequent rejection of your dispute by the bank.
First and foremost, it's essential to address this matter promptly and comprehensively. Based on the details you've provided, it appears that you've taken the appropriate steps by immediately contacting the bank to report the fraudulent transactions and submitting dispute forms.
The rejection of your dispute by the bank, citing the transactions as secured through Apple Pay and tokenized, raises legal questions regarding liability and responsibility for unauthorized charges.
While banks often emphasize the security features of digital payment methods, such as tokenization, it does not absolve them of their obligation to investigate and address instances of fraud promptly.
In such cases, pursuing legal action may be a viable option to seek resolution and protect your rights as a consumer.
A civil case could potentially provide a platform to present evidence, including your timely notification to the bank and the absence of your authorization for the transactions.
As an experienced attorney specializing in legal matters related to banking and consumer rights in Dubai, I can provide you with expert guidance and representation throughout this process.
Together, we can explore your legal options, assess the strength of your case, and develop a strategic approach to seek a favorable outcome.
I understand the urgency of your situation and am available to discuss your case in further detail at your earliest convenience.
Please feel free to reach out to me via WhatsApp or phone to schedule a consultation.
Dear Questioner,
First, we must know the transactions from which the amounts were deducted and from which store.
We can file a lawsuit or submit a complaint to the Anti-Electronic Crime Authority to find out the user of your card so that it is not registered against an unknown person, and then find out who is demanding the amounts mentioned, along with a statement of the transactions that took place for that card.
