Banks deny SIM-swap fraud claims even with travel evidence proving customer was abroad
When SIM swap attacks enable full account takeover, victims find their banks dispute the fraud claim rather than accepting clear exculpatory evidence like passport stamps and airline tickets showing the customer was overseas. The claims process has no mechanism to weigh third-party corroborating evidence against the bank's internal fraud model. Victims are left liable for charges they can demonstrably prove they did not make.
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