Deutsche Kreditbank – €300,000 Fine (Germany, 2023)
General GDPR enforcement action
This case relates to broader data protection obligations, not specifically to cookie or consent banner compliance. It is not included in cookie statistics or the Risk Calculator.
Deutsche Kreditbank was fined EUR 300,000 for not explaining why they rejected a customer's credit card application. The bank used automated decision-making but didn't provide the customer with the reasons behind the decision, which is against GDPR rules. This case shows the importance of transparency in automated decisions.
What happened
Deutsche Kreditbank refused to explain the reasons behind an automated credit card application rejection.
Who was affected
A customer whose credit card application was automatically rejected without explanation.
What the authority found
The Berlin DPA found that the bank violated GDPR by not providing the customer with information about the automated decision-making process.
Why this matters
This case highlights the need for companies to be transparent about automated decisions affecting customers. Businesses using automated systems must ensure they can explain decisions to comply with GDPR and maintain customer trust.
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The DPA of Berlin has imposed a fine of EUR 300,000 on Deutsche Kreditbank. A customer had filed a complaint with the DPA. The customer had submitted an application for a credit card to the bank, which was rejected in the course of an automated decision, despite the customer's good credit history and high income. The customer then requested an explanation of the reasons for the rejection of their application and the basis on which the automated decision was made. However, the controller refused to provide such information to him, which also made it difficult for the customer to appeal the decision. The DPA found that the controller violated its obligation to transparently inform the data subject about the decision upon request.
Related Enforcement Actions (0)
No other enforcement actions found for Deutsche Kreditbank in DE
This is the only recorded action for this entity in this jurisdiction.
Details
Fine Date
31 May 2023
Authority
Bundesbeauftragter für den Datenschutz
Fine Amount
€300,000
Enforcement Tracker ID
ETid-1856
About this data
Cite as: Cookie Fines. Deutsche Kreditbank - Germany (2023). Retrieved from cookiefines.eu
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