Too strange!China Postal Savings Bank was stolen during the loss of savings cards, and the balance changed!

Recently, Mr. Deng, a citizen of Hengyang citizen, reported to the "He Hotline for the People": The savings card run by his father at the Chinese Postal savings bank encountered a stolen card. After the bank was lost, the balance of more than 20,000 yuan in the card was stolen. And even a negative number! How is this going? The hotline reporter Ouyang conducted a survey.

The card folded without leaving, and the 8,000 yuan in the account flew, and an old man in Hengyang suspected that he encountered a bank card stolen

On the morning of May 17th, Mr. Deng, a citizen of Hengyang citizen, kept his mobile phones. He received a text message from 65 account balances from China Postal Savings Bank, and the card of 8320.84 yuan was missing.

The anxious Mr. Deng rushed to the Shimen Road Business Office of Qidong County, China Post Storage Bank to inquire, and found that the 8320.84 yuan in the savings card was divided into 3.29 yuan, 3 413.18 yuan and 59 114.77 yuan. Trading type expenditure. After further inquiries, the staff said that the money had been paid to the same merchant number through overseas transactions.

Mr. Deng said that his father has been using the postal savings bank passbook for many years. Later, although the bank staff had run a bank card, the father's deposits still only used the passbook. The mobile phone used by his father is an elderly machine, and it is impossible to shop online. After being stolen, Mr. Deng immediately handled the bank card loss and went to the police station to report the case.

Citizen complaints: The postal savings bank card was still stolen during the loss of the loss of the card, and the balance of the savings card became a negative number

On May 20, after the alarm was successfully filed, Mr. Deng went to the Shimen Road Business Office of Qidong County, China Post Bank, and wanted to take out the 142791.12 yuan of the card. However, after the loss was relieved, only 121988 yuan was successfully transferred. The staff said that there were still 20,803 yuan to be stopped by UnionPay. They could not be taken out for the time being, and they could not be transferred. Let him continue to lose the loss.

However, on June 13th, the staff of the Shimen Road Business Office of Qidong County, China Post Bank inquired that the balance of more than 20,000 yuan in the savings card of Mr. Deng was gone. It was paid by a small "adjustment", but during this period, Mr. Deng did not receive a text message prompt from the postal savings bank.

What makes the Mr. Deng's family feel incredible is that although the flowing water shows the balance in this savings card, "on June 13, the staff of the postal savings bank said that the balance of this card was actually negatively negative 17,000 yuan. When I went to find them on June 14, I said that the balance became 8077 yuan. "

Mr. Deng told reporters angrily that he did not talk about the responsibility of the previous 8,000 yuan stolen. Can the frozen money be brushed away when the loss of the loss? Secondly, my father is a savings card, and it is not a credit card. How can the balance become negative? And changed from negative 17,000 yuan to a negative 8,000 yuan?

Postal Savings Bank Hengyang City Branch: Has transferred to the postal company for processing

Postal Company Hengyang Branch: verification as a stolen brush is still under investigation

After communicating with the Shimen Road of Qidong County, China Postal Savings Bank, helpless Mr. Deng found Hunan Radio's "The Hotline for the Min" for help.

The hotline reporter first found the China Postal Savings Bank Hengyang Branch, and a staff member said they already knew the encounter of Mr. Deng. "The Shimen Road Business Office, China Post Bank, which handles Mr. Deng, is an agency agency agency of the postal company. We can only transfer it to the postal company to deal with it. They will feedback the results from us within a certain time limit."

Subsequently, the hotline reporter found the Hengyang Branch of China Post Group Co., Ltd., and the staff said that they are actively dealing with it. They have provided a question sheet to China Post Group Co., Ltd. The reason and source are still under investigation.

However, in response to Mr. Deng's question about why the frozen money was stolen during the loss of the loss ", the staff kicked the ball to the postal savings bank. "I only knew the head office of the postal savings bank.

Finally, the hotline reporter reflected the situation to the Hunan Branch of China Postal Savings Bank, and the staff said that he would immediately transfer to investigation. How about the follow -up, Hunan Radio's "The Hotline for the Min" will continue to pay attention.

Linking lawyer: Should bank cards be stolen, should banks compensate?

On May 25, 2021, the Supreme People's Court issued the "Provisions on Several Issues of the Supreme People's Court on Trial Cases of Civil Disputes in Bank Card" and implemented it from the date of release. It is clear that the pseudo -card stealing transaction or online theft transaction occurred. If the card holder cardholder requests the card to pay the principal of the stolen deposit and compensate the losses based on the legal relationship of the debit card contract, it will support it according to law.

However, if the cardholder has the fault of the identity information such as bank cards, passwords, and verification codes, and transaction verification information has not been properly cured, and the card issuer claims that the cardholder shall bear the corresponding responsibilities, the people's court shall support it. If the cardholder fails to take measures such as reporting loss in time to prevent the expansion of losses, the card holder claims that the cardholder shall bear the liability of the losses, and the people's court shall support it.

If the loss is not reported in time, the cardholder needs to bear the liability of the losses by themselves.However, after the loss, Mr. Deng was still stolen during the frozen period. How should the responsibility be divided?In this regard, Li Jian, a member of the Luming Line Lawyers Group and a lawyer of Hunan Wanwan and Law Firm, said that both parties can prove whether there are faults and faults.Responsibility.

Reporter: Ouyang Edit: Wang Xuexue, Jiang Lan, Xu Shen

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