Metro Bank客户Zoli Rutter遭遇涉及AI聊天机器人Claude的欺诈案件，被盗取14,244英镑[1]。诈骗分子通过Rutter被盗的银联卡进行多笔交易，购买Claude信用额度，单笔金额介于90英镑至200英镑之间[1]。
Rutter于2024年6月19日发现可疑交易[1]。尽管报告了欺诈行为，Metro Bank未能及时完全冻结该账户，导致在银行系统反应期间多笔付款继续进行[1]。Metro Bank随后表示："鉴于欺诈的复杂性，遗憾的是在我们完全冻结卡之前处理了一些付款"[1]。经过监管机构介入，Metro Bank向客户提供临时退款，并向Claude的开发商Anthropic提起退款纠纷请求[1]。Anthropic随后完全退款，Metro Bank最终向Rutter赔偿300英镑[1]。
根据英国金融行为监管局（FCA）规定，未授权卡欺诈的退款应在下一个工作日结束前到账[1]。
A Metro Bank customer has become caught in a dispute over a significant financial loss resulting from fraudulent activity linked to the AI chatbot Claude. Zoli Rutter discovered suspicious transactions on his account on June 19, 2024, after fraudsters gained access to his debit card and used it to purchase Claude credits in multiple transactions ranging from £90 to £200 each, ultimately stealing £14,244.[1]
The bank's initial response proved inadequate in stemming the losses. Metro Bank failed to fully freeze the account immediately, allowing several payments to process before taking complete action.[1] According to the bank's statement, "given the complexity of the fraud, regrettably some payments were processed before we fully froze the card."[1] Under Financial Conduct Authority regulations, unauthorized card fraud refunds should be returned by the end of the next working day.[1]
Following regulatory intervention, Metro Bank issued Rutter a temporary refund and subsequently filed a chargeback dispute with Anthropic, the company behind Claude.[1] Anthropic approved a full refund of the fraudulently obtained credits.[1] Metro Bank provided Rutter with a one-time compensation payment of £300.[1]