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案例衷先生于2011年1月18日在中国光大银行长沙岳麓支行处开户办卡,双方建立储蓄存款合同关系。至2015年6月29日,卡上尚有存款余额92001.44元,之后,其没再进行任何取款、转帐或消费等操作。次日,衷先生接到短信提醒,银行卡被他人分别在福建厦门市惠家乐百货购物商场、厦门市永新百货盗刷消费共计91980元,随即,衷先生持卡到深圳市公安局景田派出所报案。后又多次与中国光大银行长沙岳麓支行沟通此事,要求银行调查处理,但银行既没有退还存款款项,也未给出确切答复。无奈之下,衷先生才将银行诉至法院。岳麓区人民法院一审判决,驳回了衷先生的全部诉讼
Case Mr. Zhong on January 18, 2011 in China Everbright Bank Changsha Yuelu branch office card, the two sides to establish savings contractual relationship. As of June 29, 2015, the remaining balance of deposits on the card was RMB 91,2001.44, after which no further withdrawal, transfer or consumption operation was conducted. The next day, Zhong Zhong received a text message reminder, bank card was others were in Xiamen, Fujian Hui Jiale department store shopping malls, Xiamen City, Yongxin department store total consumption of 91,980 yuan, then Mr. Zhong card to Shenzhen Public Security Bureau Tian police station reported. After repeated communications with Changsha Yuelu Sub-branch of China Everbright Bank, the bank was asked to investigate and deal with the matter. However, the bank neither returned the deposit amount nor provided a definite answer. In desperation, Mr. Zhong before the bank sued the court. Yuelu District People’s Court of First Instance ruling, rejected all the lawsuit Zhong litigation