Privatbank demands to pay 88,031 hryvnias, despite the fraudsters’ theft of 158,605 hryvnias from the client – the court’s decision.

The person refuses to repay the credit debt to PrivatBank in the amount of 88,031 hryvnias

PrivatBank insists that the person pay the credit debt in the amount of 88 031 hryvnias. However, he does not do this, as fraudsters stole funds in the amount of 158,605 hryvnias from his account. This is reported in the decision of the Vasylkiv District Court of the Kyiv Region, published on November 7, 2025.

On March 23, 2021, the man familiarized himself with the terms of lending and verified the loan passport. Also, on March 23, 2021, he personally certified an application for joining the provisions and rules of the provision of banking services, in which the following conditions were agreed: revolving credit line up to 50 thousand hryvnias, credit card type “Universal”, credit term 12 months with extension, interest rate 42.0%. In the process of using the account, the interest rate was adjusted to 40.8%. He applied the credit limit, carried out transactions, returned the used amount of the credit limit and paid interest for the use of the credit limit, but stopped providing the bank with funds to cover the debt, interest, and other expenses in accordance with the terms of the agreement in time, due to which, as of 04/29/2025, a debt of 88,031 hryvnias was formed, which consists of 71 076 hryvnias – arrears for the body of the loan, 16,955 hryvnias – arrears for overdue interest.

On 07.02.2025, the husband filed an objection to the claim, in favor of the claim, he asks to reject it. He really used the banking services of PrivatBank and had the credit cards mentioned in the lawsuit. However, on March 14, 2023, he received a call from an unknown person who identified himself as a representative of the security service of JSC KB PrivatBank and informed him of the need to protect the defendant’s money and transfer it to the appropriate bank details. In a subsequent telephone conversation, following the instructions of the bank representative, he transferred money totaling 158,605 hryvnias from his bank card to reserve bank cards. Realizing that he had become a victim of fraudsters, on March 16, 2024, he turned to the police with a statement that he had committed a criminal offense. Based on this fact, information was entered into the EDPR pursuant to Part 3 of Art. 190 of the Criminal Code of Ukraine, the pre-trial investigation is ongoing. At the same time, he informed the bank about fraudulent actions being committed against him. On March 19, 2025, he reduced the credit limit to UAH 0. For the period from March 23, 2021 to April 30, 2025, on March 14, 2024, three card transfers were made for a total of UAH 70,905. Before the unauthorized withdrawal of money from the card, he did not have any debt, as he is a conscientious user of banking services. The bank did not conduct an official investigation into the unauthorized withdrawal of money from his account, and considers it guilty of unauthorized withdrawal operations, charged interest on the balance of the unpaid amount under the credit agreement.

What decision did the court make? The court satisfied the claim of the commercial bank “PrivatBank” joint-stock company. A debt in the amount of 88,031 hryvnias will be collected from a person in favor of a financial institution according to the agreement b/n dated March 23, 2021.

“From the documents of the case, it is clear that the bank found out about the money transfer transactions already after they were implemented. The court emphasizes that it is the client who has the duty to monitor the flow of money in his account and immediately notify the bank of transactions that were not carried out by him. Until such a notification, the full responsibility for all transactions is borne solely by the client. In the objection to the statement of claim, the defendant indicated that he personally carried out transactions to transfer money from his bank card to Also, during the interview in the criminal proceedings, he gave his consent to transfer money from his bank card to the bank card whose details were sent in the Viber messenger. That is, the defendant voluntarily facilitated the transfer of money from his card account, after which he carried out the corresponding transactions. The defendant made the transfer of money before the issuer was notified of this fact, and therefore the risk of losses from the execution of improper payment transactions and the responsibility for them rests with the user. The existence of criminal proceedings opened at his request cannot testify to the commission of a crime against the defendant and cannot be a reason to exempt him from proof in view of part 6 of Article 82 of the Code of Criminal Procedure of Ukraine. the guilty party has not been established and is not a confirmation of the commission of a crime against the defendant in the criminal case. At the same time, he is not deprived of the right to claim compensation for the damage caused to him. The defendant’s arguments that the bank contributed to the access to the defendant’s personal data, personal account, account or program “Privat-24”, the illegal use of the PIN code or other information, which led to the implementation of payment transactions. In view of the above, the court, having studied and analyzed the case materials, based on its internal conviction, which is based on a comprehensive, complete and objective consideration of all the circumstances of the case in their entirety, guided by the law, and also taking into account the fact that the defendant does not properly fulfill his obligations under the concluded contract and accordingly did not provide the court with evidence to refute the above, comes to the conclusion that the claim of JSC CB “PrivatBank” is well-founded and such that it is subject to satisfaction in full,” the court emphasized.

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