CFPB sues 3 banks for not protecting consumers from Zelle fraud : NPR

Bu içerikte, Tüketici Finansal Koruma Bürosu’nun (CFPB) Zelle operatörü ve Bank of America, JPMorgan Chase ve Wells Fargo’yu “geniş çapta dolandırıcılıktan tüketicileri korumamakla” suçladığı belirtilmektedir. CFPB, üç büyük bankanın müşterilerinin Zelle’in var olduğu yedi yıl boyunca korunmamalarından dolayı 870 milyon doların üzerinde kayıp yaşadığını iddia etmektedir. Ayrıca, Zelle ve bankaların dolandırıcılığı önleme önlemlerini uygulamadığı, dolandırıcıların çoğalmasına izin verdiği ve bankaların Zelle ile ilgili müşteri şikayetlerini doğru şekilde araştırmadığı iddialarına yer verilmektedir. CFPB, dava açarak “kanunsuz davranışı durdurmayı, etkilenen tüketiciler için tazminat almayı ve sivil para cezası talep etmeyi” amaçladığını belirtmektedir. Zelle ise “bu temelsiz dava karşısında kendini savunmaya tamamen hazır olduğunu” açıklamıştır. Zelle, Amerika Birleşik Devletleri’nin yedi büyük bankasının sahip olduğu Early Warning Services şirketi tarafından işletilmektedir ve CFPB’nin şikayetinde Early Warning Services ile birlikte Bank of America, JPMorgan Chase ve Wells Fargo da yer almaktadır.
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Kaynak: www.npr.org

The payment network Zelle and three of its owner banks was sued Friday by the Consumer Financial Protection Bureau.

Roy Rochlin/Getty Images for Zelle

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Roy Rochlin/Getty Images for Zelle

The Consumer Financial Protection Bureau sued the operator of Zelle, as well as Bank of America, JPMorgan Chase and Wells Fargo “for failing to protect consumers from widespread fraud” at the payment provider, according to a statement on Friday.

CFPB, the government’s consumer financial watchdog agency, alleges customers of the top three banks lost more than $870 million over the seven years that Zelle has been in existence due to the banks’ failures to protect them.

Among the CFPB allegations are that Zelle and the banks failed to implement proper fraud prevention safeguards, allowing scammers to proliferate, and that banks failed to properly investigate customer complaints about Zelle.

“The nation’s largest banks felt threatened by competing payment apps, so they rushed to put out Zelle,” said CFPB Director Rohit Chopra in a statement. “By their failing to put in place proper safeguards, Zelle became a gold mine for fraudsters, while often leaving victims to fend for themselves.”

The agency said its lawsuit was intended to stop “unlawful conduct,” obtain redress for consumers impacted and seek a civil monetary penalty.

Zelle responded by saying it was “fully prepared” to defend itself against “this meritless lawsuit.”

“The CFPB’s attacks on Zelle are legally and factually flawed, and the timing of this lawsuit appears to be driven by political factors unrelated to Zelle,” the company said in a statement.

Zelle is operated by a company called Early Warning Services, which is co-owned by seven of the largest banks in the U.S.: Bank of America, Capital One, JPMorgan Chase, PNC Bank, Truist, U.S. Bank, and Wells Fargo.

Early Warning Services, as well as three of its owner banks — Bank of America, JPMorgan Chase, and Wells Fargo — are named in CFPB’s complaint.

CFPB sues 3 banks for not protecting consumers from Zelle fraud : NPR

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