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储户遇电信诈骗损失近38万 向银行索赔被驳回

2017-09-12 17:00:50   中国青年网

遇电信诈骗损失近38万 储户向银行索赔被驳回

羊城晚报讯 记者谢颖,通讯员黄彩华、温建伟报道:东莞一名储户遭遇电信诈骗,按照不法分子的指示办理了网上银行业务并进行操作,泄露了相关密码,近38万元不翼而飞。该储户以银行未尽安全告知义务为由,起诉银行。近日,东莞市第二人民法院审结该案,认定银行对该款被汇出并无过错,判决驳回该储户的索赔请求。

遇电信诈骗损失近38万

诸葛先生大吃一惊,遂根据对方的提示,联系上了自称为“上海市松江区公安局李浩警官”,这位“警官”要求诸葛先生先到中国工商银行办理一个“金融@家工银电子密码器”。

于是,诸葛先生就在当天上午10时多到工行虎门某网点办理了四项业务。其中第2项业务的身份确认工具为工银电子密码器,第4项业务是开通两张银行卡的电子银行渠道。

办完后,诸葛先生在“李浩警官”转接到的“侦查科苏科长”的指示下,反复多次在电子密码器中输入多个数字,并告知电子密码器中显示的数字。诸葛先生称,当时他将电子密码器显示的动态密码误认为是对方所称的“工号”,告知了对方。

就在双方通话的这段时间,诸葛先生名下两个账户共汇出近38万元。上述转账交易短信实时发送至诸葛先生绑定的手机号码,但他的手机当时一直处于通话状态,并未看到。

15时许,看到转账短信后,诸葛先生发觉被骗,遂向当地公安机关报警,公安机关仍在侦查。

储户向银行索赔被驳回

2017年4月,诸葛先生认为办业务时银行未尽到应有的提醒义务,损害了他的风险知情权,于是起诉银行要求赔偿其损失近38万元。

法院经审理认为,诸葛先生是在与自称是“中国工商银行东莞分行”“公安机关”工作人员等不明人士的电话通话过程中,根据其指示办理了上述银行业务,又按对方的指示对工银电子密码器操作汇出37万多元,汇款全程是由诸葛先生本人操作,不存在授权他人操作的情形。

银行在业务办理凭证、电子银行个人客户服务协议中有载明关于安全提醒的内容和条款,并载明身份确认工具为“工银电子密码器”,诸葛先生在上面签名确认表明其对上述内容已知晓。工银电子密码器的覆膜上也有安全提示内容,银行已尽到安全提醒义务。银行对款项汇出并无过错,诸葛先生要求银行赔偿缺乏依据。

法院遂作出一审判决,驳回诸葛先生的全部诉讼请求。判决下达后,诸葛先生并无上诉。日前,该判决已发生效力。

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