2001 Opel Case

Key Facts

Amount stolen	DEM 2100
Number of Withdrawals	2
ATM Locations	Munich, Germany
Issuing Bank	Satander Bank
Acquiring Bank(s)	Münchner Bank EG, Rotkreuzplatz
Card Type	VISA Credit Card
Withdrawal time period	10 minutes
Days from theft to discovery	3 hours
Card theft involved	Yes
Level of customer action	Court
PIN Status	Changed after Issue (unconfirmed)
Outcome	Resolved. Court did not find in favour of Satander bank.

Opel's wallet was stolen, and transactions appeared a few hours before he discovered the theft.
The bank initially refunded the sum, but a month later reinstated the debt.
Opel went to court in late 2001 and lost.
A recent appeal also failed.
Opel has site describing his experiences http://www.kreditkartendiebe.de/.