The identity card was stolen, and the online banking lawyer said that the bank was suspected of violating the rules.
My ID card was accidentally stolen, and it was discovered that it was stolen by others after 10 months. Recently, Ms. Tan, who was working, told the Information Times reporter that someone had stolen her ID card, opened online banking and bank cards in Chashan Town and Shijie Town respectively, and cancelled her normal online banking.
Ms. Tan said that her new ID card has been on her body since it was reissued and she has never left her body. Lawyers believe that banks are suspected of violating the rules in the process of canceling the original online banking and handling new online banking and new bank cards, and they have unshirkable responsibilities and should compensate the victims.
The identity card was stolen and the police issued a certificate.
According to Ms. Tan, on August 22 last year, she took her son by bus from Dongguan Hospital to Nancheng Station. It was working hours at that time, and there were not many passengers in the carriage. Ms. Tan asked her son to sit in the seat, and she stood by to answer the phone, with a woman standing next to her. Ms. Tan recalled that after answering the phone, she found that the zipper of her backpack had been unzipped, and the wallet (with ID card, cash 500 yuan, ICBC U shield and Guangfa credit card) had disappeared, and the woman who had just stood by disappeared without a trace.
After getting off the bus, Ms. Tan immediately reported the loss of her ID card to the nearby Chengnan Baima Police Station. When asked if it is necessary to make a statement in the newspaper, the police on duty said that they only need to go to the place where they registered to reissue a new ID card. At Ms. Tan's repeated request, the police on duty issued an ID card loss report certificate for Ms. Tan.
After that, Ms. Tan rushed back to her hometown in Mianyang, Sichuan to reissue her ID card, and got a new ID card three months later.
The bank card has been cancelled and cannot be put on record.
I thought things would come to an end, but 10 months later, another wave came.
On June 8 this year, when Ms. Tan was shopping online, she suddenly found that her ICBC online banking could not be used. The next day, when Ms. Tan went to the business hall of Cheng Nan Sunshine Sub-branch of ICBC, the issuing bank, she was told that the online banking of the bank card had been cancelled. Ms. Tan expressed doubts about this statement. "I have never cancelled my bank card and online banking? How did this happen? "
At Ms. Tan's repeated request, the staff of the bank inquired about Ms. Tan's usage records and found that Ms. Tan's online banking was cancelled one day ago, that is, on June 8. The records also showed that on the same day, Ms. Tan also opened a personal e-generation card master card in Chashan Sub-branch of ICBC and Chonghuan Sub-branch of Shijie, and opened an online banking in Chashan Sub-branch.
Ms. Tan was in Dongguan all that day. Why did she suddenly go to Chashan and Shijie? Ms. Tan and her family are very puzzled about this. Subsequently, Ms. Tan reported the case to Chengnan Baima Police Station. The police at the police station said that it is necessary to report the case to Chashan Sub-branch and Shijie Chonghuan Sub-branch of ICBC, otherwise it will not be filed.
Surveillance caught a woman using her identity.
On June 1 1, Ms. Tan went to Chashan Sub-branch of Industrial and Commercial Bank of China to cancel the bank card and online banking opened by the stolen ID card. Regarding Ms. Tan's situation, Director Ye of the bank said that it was "a special event" and used the "special business voucher" service to handle the cancellation procedures that day. According to the director, according to the normal procedure, the cancellation of bank cards must be reported seven days in advance before cancellation and new business can be handled.
When inquiring about the stolen bank card and online banking, the bank staff retrieved the surveillance video of the day. The video shows that at about 10: 04: 35 in the early morning of June 8, a woman used Ms. Tan's ID card to handle related business in the bank business hall. When Ms. Tan asked where the online banking was cancelled, the staff said that they needed to go to the Dongguan Head Office of ICBC to inquire about relevant records. When Ms. Tan rushed back to the city for an inquiry at noon, the counter staff said that they could not inquire about the relevant situation. Later, when Ms. Tan called Chashan Branch of ICBC again, the staff of the bank responded that they had inquired about the relevant information and the cancellation place was ICBC Da Lang Branch.
Ms. Tan hasn't checked with ICBC Da Lang Sub-branch whether to cancel online banking here because she has to rush back to her hometown in Sichuan to handle ID card-related matters. In addition, Ms. Tan doesn't know whether the person who swiped the ID card used the ID card to handle other bank cards and other businesses, because it can't be verified.
Two focal points
Police: I lost my ID card and can't use it.
Fact: Old ID cards are used to open cards.
"The previous ID card has been reported lost, how can it still be used?" With this question, Ms. Tan called the police station in Shuang Sheng Township, Santai County, Sichuan Province, where her household registration is located. The police station of the police station replied that the ID card was reissued after it was lost, and its ID number remained unchanged. However, due to the replacement of the chip inside, the lost ID card will not be used.
However, the current facts clearly show that Ms. Tan's lost ID card is still in use and can be used together with the newly reissued ID card.
The reporter consulted the BBK Police Station of Guancheng Branch of Dongguan Public Security Bureau on this issue. The police explained that "the lost ID card can sometimes be used, but because the photo has changed, the information on the file has also changed, which is generally not used in banks and other places."
According to the online verification of Chashan Sub-branch of China Industrial and Commercial Bank, the service life of Ms. Tan's old identity card stolen before was 2007.08.16 ~ 2017.08.16. This means that if the identity card thief cannot be caught, the thief can still use the identity card in the name of Ms. Tan for 6 years. "How much loss will it bring and what will be the consequences?" Ms. Tan said, I dare not imagine.
Bank: Online banking cannot be opened on the day of cancellation.
Fact: Online banking was launched on the same day as the stolen witness.
What is the procedure for canceling online banking? The staff of Chashan Sub-branch of Industrial and Commercial Bank of China said that there is no need to show a bank card, as long as you have an ID card, you can handle it, and you don't need to report the loss one week in advance. The staff also made it clear that on the day of cancellation of online banking, new online banking could not be reopened.
When the reporter inquired about the Guancheng Sub-branch of the Industrial and Commercial Bank of China, the staff of the bank said that if you go to the business hall to cancel, you must show your ID card and bank card at the same time, otherwise you can't handle it. After the online banking is cancelled, it will take one day to reopen the new online banking.
According to the staff of ICBC Cheng Nan Sunshine Sub-branch, Ms. Tan's ID card usage record is: Ms. Tan's online banking was cancelled on June 8, and the thief opened a new online banking in Chashan Sub-branch that day.
Ms. Tan said that it was difficult to understand the different opinions of the two departments. "As a bank, why are there two different operational processes? Even if you really don't need a bank card, banks should not handle business without verifying the true identity of the handler! "
Lawyer: The bank should compensate for its illegal operation.
In response to this incident, Zhou Zhi, a lawyer of Guangdong Zhang Han Law Firm, said in an interview that the bank's practice was suspected of obvious violation of regulations, which was an infringement and infringed on the identity of the owner and should be compensated accordingly.
Zhou Wei said that banks should examine the identity of customers when accepting business, and require customers to show their ID cards and bank cards at the same time when canceling online banking business. At the same time, when they handle online banking, they should verify the identity of customers and whether they are the same person. If it is found that it is not the same person, it shall report to the People's Bank of China.
Public Security Bureau: If you lose your ID card, you should report the loss to the place where you registered.
What should I do after I lose my ID card? Dongguan Public Security Bureau reminds the general public to pay more attention to custody. If lost, you should report the loss to the local police station as soon as possible. You need to show your household registration book when you reissue it, and then take photos. Compared with the lost ID card, the photo and service life of the reissued ID card have changed, and the information such as ID card number and home address has not changed.