摩根大通、美国银行和富国银行因在即时支付平台Zelle上发生数亿美元的诈骗和欺诈而接受联邦调查

币界网Опубліковано о 2024-08-10Востаннє оновлено о 2024-08-10

币界网报道：

据报道，摩根大通（JPMorgan Chase）、美国银行（Bank of America）、富国银行（Wells Fargo）和其他未具名的大型银行正面临联邦调查，原因是数十亿美元的即时支付平台Zelle上存在诈骗和欺诈行为。

据《华尔街日报》报道，消费者金融保护局（CFPB）正在调查银行如何处理网络上的争议交易。

该机构正在回应有关银行在阻止非法转账，尤其是诈骗方面做得不够的投诉，诈骗在技术上被定义为有人被欺骗授权欺诈交易。

调查人员还在调查这三家银行，即Zelle最大的所有者银行，是否在审查客户和终止欺诈账户方面做得足够。

参议院常设调查小组委员会最近发现，2023年，这三家银行向举报Zelle骗局的受害者报销了38%的费用，低于2019年的62%。

小组委员会还表示，这三家银行共同拒绝偿还2021年至2023年间有争议的Zelle交易中的8.8亿美元。

今年夏天，Zelle开始要求其银行在特定情况下偿还一些骗局，比如当有人冒充贷款人或政府时。

在参议院听证会上，Zelle母公司Early Warning Services的首席执行官Cameron Fowler表示，超过99.9%的Zelle交易是在没有任何欺诈报告的情况下执行的，欺诈性Zelle交易的报销率不如犯罪本身重要。

“我们需要把重点放在犯罪分子身上。整个社会、整个行业、整个政府的解决方案是下一步的重要举措…

增加报销并不能解决这个问题。我们在报销方面已经处于行业领先地位。”

摩根大通是第一个公开评论CFPB调查的银行。

该行表示，该机构正在“超越法律要求”，并警告称，它可能不得不在法庭上质疑监管机构的行为。

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