Formal complaint against Banco Best for severe breach of security duties, and Caixa Central de Crédito Agrícola Mútuo for severe KYC failures, following a social engineering fraud on 19.08.2026 at 16:51 involving an 858 EUR transfer. My police report is attached.
The fraud was executed via WhatsApp impersonation using a stolen identity. On 20.08.2026, the identity theft victim filed an official police report confirming her identity was hijacked to orchestrate this crime (second police report attached). This legally establishes the transfer as the direct proceeds of cybercrime.
Banco Best failed its Anti-Money Laundering (AML) monitoring duties by processing this unusual transaction without security alerts. Worse, customer service refused to trigger urgent SEPA interbank Fraud Recall mechanisms, offering instead a paid administrative service dependent on the fraudster's consent (email attached). This passivity directly violated their duty to protect the client and mitigate ongoing financial crime.
Furthermore, Crédito Agrícola failed its KYC and due diligence duties by allowing a "mule account" to receive and disperse these stolen proceeds. Allowing the dispersion of these funds after formal police notification creates direct civil liability for both institutions. I demand an immediate interbank freeze and full restitution of my 858 EUR. CC: Banco de Portugal.
