Maître Thomas GAURIAT

Avocat au barreau de Paris

Compétences : Droit bancaire et boursier, Droit commercial, des affaires et de la concurrence, Droit des sociétés, Procédure d'appel, Procédure civile

Barreau : Paris

Adresse : 44 AVENUE GEORGE V 75008 PARIS

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Publié le 31/07/2025

La protection du client d'une banque contre l'appel au faux conseiller bancaire (Cass. com., 23 octobre 2024, n°23-16.267)

Article juridique - Droit bancaire et boursier

Par Me Thomas GAURIAT

La protection du client d'une banque contre l'appel au faux conseiller bancaire (Cass. com., 23 octobre 2024, n°23-16.267)

Dans un arrêt du 23 octobre 2024, la chambre commerciale de la Cour de cassation a jugé que la charge de la preuve incombait à la banque quant à la démonstration d'une négligence grave de son client alors que ce dernier avait été victime de spoofing (ou d'appel au faux conseiller).

Grâce à cette décision, le consommateur est d'autant plus protégé à l'égard de sa banque.

Le client d'une banque qui est trompé au téléphone, par le biais du numéro de la téléphone de la banque, par un faux conseiller et qui vire de l'argent selon les indications de ce faux conseiller n'est pas considéré comme s'étant rendu coupable d'une négligence grave et a droit au remboursement des virements frauduleux par sa banque.

Vous êtes victime d’une fraude bancaire, d'un spoofing ou de paiements non autorisés ? Maître Gauriat vous propose une première analyse gratuite de 10 minutes pour évaluer vos chances de remboursement. Ne restez pas sans réponse face à votre banque : faites valoir vos droits dès maintenant. Contactez le cabinet au 01.40.06.19.19 ou prenez rendes-vous directement sur thomas-gauriat-avocat.fr.