LThe banker must not interfere in his client's affairs. However, it must detect the “apparent anomalies” which could affect the operation of his account. Does the fact that an octogenarian goes to his agency three times in a week to carry out unusual transactions, which drain his balance, constitute an apparent anomaly? This is the question posed by the following case.
On Friday January 14, 2022, Mr. He asks the employee to make a transfer of 5,658 euros, to an account called “Tresor Public”, but whose IBAN begins with FR76 21833, which means that it is a prepaid card, of which the recipient is probably not the Treasury. She complies, without saying anything.
Chronicle | Article reserved for our subscribers When the bank lets a father empty his children's savings accounts
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On Tuesday January 18, 2022, the octogenarian presented himself again at his counter and asked him to make two transfers, of 9,375 euros each, to the accounts of two new beneficiaries. Which she does, without further questioning. On Friday January 21, 2022, same scenario: the employee makes two more transfers, this time 15,000 euros each, to the order of two new beneficiaries. Which empties the account.
Complaint for fraud
On Saturday January 22, 2022, Mr. “Christian Rodriguez, director of the national gendarmerie”, accusing him of having consulted child pornography sites. The author offered him the choice between legal proceedings and a “amicable settlement” requiring payment of a fine.
Panicked, the octogenarian replied: “I chose [sic] the second solution, although [sic] I haven't looked at any sites about children, please send me payment terms. » He immediately received an email giving him the details of the prepaid card. After his first payment, he was harassed with new emails, which led him to make the next four transfers.
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