Question 43015 — banks and financial institutions

Summary

Mr. Daniel Labaronne alerts the Minister of the Economy, Finance and Recovery to a subject of dissatisfaction among many consumers: motorists regularly encounter difficulties during or after payment by bank card at an automatic fuel pump, in automatic fuel dispensers (DAC) open 24 hours a day. We learn in fact that a "deposit" system is regularly put in place by these distributors, a priori to protect against fraud on pumps open 24 hours a day. This system thus allows the distributor to block a sum, systematically greater than the cost of the customer's fill-up, in order to ensure that payment is effective. However, these blocks are carried out without any prior information to the consumer! Let's take the case of a customer who makes a payment of 20 euros on the occasion of its passage to a gas pump. He will then be surprised to discover that a sum of 120 euros is outstanding in his bank account. However, if he only has 100 euros in his bank account, he will find himself in a bank overdraft situation without having wanted it or having been warned. And his card will potentially be blocked by his bank following this overdraft. However, we know that these situations particularly concern holders cards reserved for financially fragile customers in traditional banks and cardholders of “neobanks” which do not authorize overdrafts. Faced with this situation which prevents consumers with banking weaknesses from obtaining fuel even though the amount they have to pay is less than the credit amount in their bank account and which immobilizes for an indefinite period a sum whose consumer is not informed of either the amount or the duration of the deposit, Mr. Deputy Daniel Labaronne wishes to know what the Government intends to do to ensure the protection of these consumers.

Machine translation from French. The official text remains authoritative.

Timeline

No timeline events have been ingested for this record yet.

Votes

No vote records are attached yet.

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

No documents linked.

Sponsors

No sponsors or actors listed by the source.

Related records

No cross-record relationships stored yet.