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Metro Bank customer fights for £14,000 refund after AI-linked fraud

Metro Bank customer fights for £14,000 refund after AI-linked fraud

Summary

A Metro Bank customer lost over £14,000 in a fraud linked to the AI chatbot Claude. The bank delayed fully blocking fraudulent transactions, but has refunded the customer temporarily while seeking a refund from Anthropic, the company behind Claude.

Key Facts

  • Zoli Rutter, a businessman, had £14,244 stolen via fraudulent payments linked to Claude, an AI chatbot.
  • Fraudsters used Rutter’s Metro Bank debit card to buy credits to access Claude without his permission.
  • Metro Bank alerted Rutter about suspicious transactions on 19 June but only blocked the specific transaction, not the whole account.
  • Despite Rutter denying the transaction, multiple fraudulent payments between £90 and £200 continued before the bank fully froze the card.
  • Metro Bank temporarily refunded Rutter and is requesting a chargeback from Anthropic, which banned the user behind the fraud.
  • Anthropic says there is no sign their systems leaked card details and encourages customers to report unauthorized charges for refunds.
  • Metro Bank apologized for service failures and offered Rutter £300 compensation.
  • Rutter plans to complain to the Financial Ombudsman Service about how the bank handled the case.
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