The payment card user is deprived of the right to obtain a refund of an unauthorised payment transaction of which he or she has become aware if he or she delayed in notifying it to his or her provider with intent or gross negligence (CJEU)

Judgment of the Court of Justice (1.8.2025) in Case C-665/23: Payment services: the payment card user is deprived of the right to obtain a refund of an unauthorised payment transaction of which he or she has become aware if he or she delayed in notifying it to his or her provider with intent or gross negligence This is the case even if he or she notified it to the payment institution within 13 months from the debit date. A consumer holds a gold deposit account with the company Veracash SAS. In March 2017 Veracash sent him a new withdrawal and payment card. Between March and May 2017, daily withdrawals were made from that account. The consumer in question claims, however, that he never received that payment card or authorised such withdrawals. The Regional Court, Évry, (France), followed by the Court of Appeal, Paris, (France), dismissed his request for refund on the ground that the withdrawals at issue had not been notified to Veracash ‘without undue delay’, as required by the Mon...