ADAC credit card fraud: Customers on alert!

ADAC credit card fraud: Customers on alert!

Bad Nauheim, Deutschland - In the past few months, reports on credit card fraud have developed on a explosive topic for owners of the ADAC credit card. Ra Sebastian Koch, specialist lawyer for banking and capital market law, reports on a large number of injured parties who have become victims of unauthorized debit and refer to Solaris SE as the editor of the credit card. Solaris SE took over the administration of the credit card portfolio from Landesbank Berlin in September 2024, but this was not without problems. Many customers complained about incorrect debit and technical difficulties with their cards. This is underpinned by cdr-legal.de, where the numerous inquiries have been pointed out since the changeover.

Another point that unsettles customers is the uncertainty regarding the safety of the ADAC credit card. Solaris is currently under pressure because, according to its own statements, it cannot provide any plausible explanations for the high number of damage reports in which customers insure not to have reacted to phishing emails or comparable attacks. It is also speculated that third parties may have access to the user data. However, this claim is rejected by both solaris and the ADAC, as can be read on anwalt.de.

changes in the security procedure

In order to take the security concerns into account, Solaris has already introduced changes in the security procedures. In the future, the new registration of authentication devices will take place via a postally sent QR code, instead of the previous MTAN, which is classified as insecure by various media and the BSI. The fears that new abuse patterns could arise from letters with QR codes that supposedly come from banks cannot be dismissed. Customers are therefore encouraged to be particularly mindful and not to pass on sensitive data.

In the context of these developments, the Deutsche Bundesbank found in an arbitration procedure that a customer is entitled to compensation and has recommended a corresponding payment. This could be considered one of the first arbitration decisions on the victims of fraud in ADAC and Solaris. In the meantime, the Saleo Rechtsanwälte have over 20 judicial proceedings and several arbitration proceedings against Solaris, whereby initial negotiations are already scheduled for November 2025.

Legal steps and customer recommendations

Customers of the ADAC credit card are well advised to report unauthorized debit to the solaris immediately. In the event of a refusal of damage regulations by the bank, those affected are advised to claim legal support. According to § 675U BGB, the bank is indeed responsible for non -authorized transactions, unless it can demonstrate gross negligence. Consumers should also file a criminal complaint and request their own bank in writing to reimburse. In the event of difficulties, arbitration boards are a possible point of contact, as the [Consumer Center] (https://www.verzusverzerzentrale.de/wissen/digitale-welt/oninedienste/kreditkartenbet-und-kont-das-koennen-jetz- tun-105564) explains.

The fraud in digital payment transactions increasingly increases and banks are informed, but often do not offer the necessary protection. Customers are required to protect their payment instruments and to consider security measures such as regular updates of their devices. In this challenging situation, it is crucial to stay vigilant and act quickly to minimize the risk of fraud. The coming months will show how the legal disputes develop and which solutions can be found for the customers concerned.