PrivatBank client does not recognize loan debt of 35,116 hryvnias, which arose due to fraudsters
PrivatBank issued a loan debt to a woman in the amount of 35,116 hryvnias. However, she refuses to pay the debt, as the debt arose due to fraudsters. This is stated in the decision of the Zavodsky District Court of Kamiansky, published on August 28, 2025.
On 06/16/2022, the woman applied to JSC CB “PrivatBank” in order to establish business relations, signed a questionnaire and underwent identification to receive banking services. In connection with the above violations of obligations under the loan agreement and taking into account the funds deposited to repay the debt, as of 02/25/2024, she has a debt of 35,116 hryvnias, which consists of the following: 27,539 hryvnias – debt on the loan principal, 7,577 hryvnias – debt on overdue interest.
On 08/22/2024, the woman filed a withdrawal of the claim with the court. On 06/07/2023, credit funds in the amount of 27,650 hryvnias were withdrawn from her card through fraudulent actions. On 06/08/2023, she contacted the police regarding this fact, where, upon her application, information was entered into the Unified Register of Pre-Trial Investigations on the basis of signs of a criminal offense, provided for in Part 4 of Article 185 of the Criminal Code of Ukraine. The citizen did not make any orders to debit funds from her account by submitting payment orders to JSC “CB “PrivatBank” either in writing or electronically using the electronic system “Privat-24”, or in any other way. In addition, she did not perform any actions that could lead to the debiting of funds by third parties. According to the account statement for the period from August 1, 2023 to February 25, 2024, she is charged monthly interest on the balance on her card account, as the interest rate on a loan that she did not take out.
What was the court’s decision?
The court denied PrivatBank’s claim. The woman’s card account was debited against her will.
“The bank did not provide proper and reliable evidence to confirm that the defendant, as the owner and user of the card, by her actions or inaction contributed to the loss, illegal use of the personal identification number or other information that allows initiating payment transactions, and believes that the debiting of funds from her card accounts did not occur of her own free will, on the contrary, having discovered unfounded debiting, transfers and withdrawals of funds, she notified the bank about them and contacted law enforcement agencies, and therefore she is not responsible for such transactions, which in turn is the basis for the bank to refuse the claimed claim. In addition, the defendant emphasized that the disputed transactions “Home appliances: KIBERTRON, NUR-SULTAN Q., ALMATY AUDANY”, namely: – at 13:55:00 in the amount of 300,000 KZT (equivalent to 25,137 hryvnias); – at 13:55:28 in the amount of 30,000 KZT (equivalent to 2,513 hryvnias)” were held in the city of Almaty, Republic of Kazakhstan, where the defendant was not at that time. Assessing the established circumstances, the examined evidence in conjunction with the norms of the law that regulate them, the court comes to the conclusion that there are no grounds for collecting the debt from her and, accordingly, satisfying the claims,” the court emphasized.
PrivatBank client does not recognize loan debt of 35,116 hryvnias, which arose due to fraudsters
PrivatBank issued a loan debt to a woman in the amount of 35,116 hryvnias. However, she refuses to pay the debt, as the debt arose due to fraudsters. This is stated in the decision of the Zavodsky District Court of Kamiansky, published on August 28, 2025.
On 06/16/2022, the woman applied to JSC CB “PrivatBank” in order to establish business relations, signed a questionnaire and underwent identification to receive banking services. In connection with the above violations of obligations under the loan agreement and taking into account the funds deposited to repay the debt, as of 02/25/2024, she has a debt of 35,116 hryvnias, which consists of the following: 27,539 hryvnias – debt on the loan principal, 7,577 hryvnias – debt on overdue interest.
On 08/22/2024, the woman filed a withdrawal of the claim with the court. On 06/07/2023, credit funds in the amount of 27,650 hryvnias were withdrawn from her card through fraudulent actions. On 06/08/2023, she contacted the police regarding this fact, where, upon her application, information was entered into the Unified Register of Pre-Trial Investigations on the basis of signs of a criminal offense, provided for in Part 4 of Article 185 of the Criminal Code of Ukraine. The citizen did not make any orders to debit funds from her account by submitting payment orders to JSC “CB “PrivatBank” either in writing or electronically using the electronic system “Privat-24”, or in any other way. In addition, she did not perform any actions that could lead to the debiting of funds by third parties. According to the account statement for the period from August 1, 2023 to February 25, 2024, she is charged monthly interest on the balance on her card account, as the interest rate on a loan that she did not take out.
The court denied PrivatBank’s claim. The woman’s card account was debited against her will.
“The bank did not provide proper and reliable evidence to confirm that the defendant, as the owner and user of the card, by her actions or inaction contributed to the loss, illegal use of the personal identification number or other information that allows initiating payment transactions, and believes that the debiting of funds from her card accounts did not occur of her own free will, on the contrary, having discovered unfounded debiting, transfers and withdrawals of funds, she notified the bank about them and contacted law enforcement agencies, and therefore she is not responsible for such transactions, which in turn is the basis for the bank to refuse the claimed claim. In addition, the defendant emphasized that the disputed transactions “Home appliances: KIBERTRON, NUR-SULTAN Q., ALMATY AUDANY”, namely: – at 13:55:00 in the amount of 300,000 KZT (equivalent to 25,137 hryvnias); – at 13:55:28 in the amount of 30,000 KZT (equivalent to 2,513 hryvnias)” were held in the city of Almaty, Republic of Kazakhstan, where the defendant was not at that time. Assessing the established circumstances, the examined evidence in conjunction with the norms of the law that regulate them, the court comes to the conclusion that there are no grounds for collecting the debt from her and, accordingly, satisfying the claims,” the court emphasized.
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