Kreditkarten-Betrug: Wie Banken ihre Kunden allein lassen! | Markt WDR

Carmen Schmidt is the victim of credit card fraud. Although she didn't make any purchase, her credit card was charged – and the bank says: it's her own fault. The purchase was confirmed via the "S-ID-Check" system. But Carmen was on vacation in Spain at the time. We show: ✅ How credit card fraud works with the Sparkasse's S-ID-Check security procedure ✅ Which weaknesses experts criticize in the S-ID-Check system ✅ Why the legal system often leaves victims to fend for themselves – despite clear cases of fraud ✅ What an IT forensic expert can find out on smartphones ✅ How likely it is to get the money back -------------- 00:00 A billion-dollar business at the expense of consumers? 00:30 Credit card fraud: €1,279 gone 01:30 Savings bank security procedure S-ID-Check explained 03:00 How criminals trick you: Phishing, QR codes, fake links, and calls 03:36 IT forensic expert checks the victim's smartphone 03:46 When the bank lets customers down: What those affected experience 04:00 Outdated case law? Little hope for fraud victims 04:48 Is falling for phishing grossly negligent? 05:15 Burden of proof on fraud victims – is that fair? 05:22 EU reform: More protection for consumers – but not yet 06:45 Mobile phone analysis by forensic expert: The result 07:47 Hope for Carmen Schmidt? -------------- Note: This video is a segment from the WDR program "Markt" and was first broadcast on WDR television on May 14, 2025. Consumer content from all ARD broadcasters is compiled here on this channel. 😊 By the way: Since MARKTCHECK is part of ARD, you can download this video for free over Wi-Fi and watch it offline on the go! ---------------- 📢 Have you had similar experiences? Share them in the comments! 🔔 If you enjoyed the video, please give it a like and subscribe to ARD Marktcheck for more exciting investigations. Subscribe:    / @marktcheck   👋 WELCOME TO Markt WDR You're probably already familiar with the exciting consumer tips from our colleagues at Markt NDR and Markt WDR, SUPER.MARKT rbb, Servicezeit WDR, Voss & Team, buy better, ECHT? And FYI – Our research, your advantage. At Markt WDR you'll find ✔ ... independent tests and reviews, ✔ ... practical tips for everyday life, and ✔ ... the most important information to protect you from current scams and consumer traps! Author(s): Daniela Fonrobert, Thomas Müller Image source: picture alliance/dpa|Soeren Stache/Marco Rauche --------------------- ►    • Lastschrift-Betrug: Wenn unbemerkt Geld vo...   ►    • Wenn internationale Banden DEINE IDENTITÄT...   ►    • Betrug mit Krypto-Anlagen: Immer mehr Betr...   ►    • Vorsicht vor dieser neuen Betrugsmasche be...   ►    • Betrug bei der Wohnungssuche: Kaution beza...   --------------------- ► More current information on our homepage: marktcheck.ard.de ► More practical everyday tips and tricks on our Facebook page: facebook.com/marktcheck ► We look forward to your comments – but please observe netiquette: ard.de/die-ard/netiquette-100 ► Our legal notice: https://www.swr.de/impressum/ ►Our privacy policy: https://www.swr.de/datenschutz #fraud #banks #marketcheck