Table of Contents.

Banco Sabadell, Spain - Bank Frauds.

I have been a customer of Banco Sabadell, Spain, since in 2019. On this page I intend to publish bank frauds that I have been subjected to.

Patronato Recaudacion Provincial de Malaga, 2024-09-11.
In April 2025, I discovered a transaction in my bank account that seemed suspicious. The Patronato Recaudacion Provincial de Malaga has issued the payment order. Here you can see the bank receipt:


My bank account has been debited. Date: 2024-09-11. Amount: EUR 443.32.

On April 23, 2025, I reported this bank fraud in writing to Banco Sabadell. I claim that I did not authorize this transfer. On May 9, 2025, Banco Sabadell responded. You can download their letter here: Banco Sabadell Letter 17/04/2025      (English)

 I am surprised by the laxity and carelessness that the bank shows in its letter. The signature on the ordered transfer has been checked. It is claimed to be mine and corresponds to what is in the bank's database. When you sign, you do so on a small computer screen that the bank has. It is connected to the bank's computer system. The signature is stored there.

My assumption is that the fraud has occurred from within Banco Sabadell. It is easy to copy a signature that I have previously made and then paste it as the signature for the transfer to which the fraud relates. Therefore, there must be at least two identical signatures stored in the bank's system. I have not made many signatures over the years. In an investigation, it is easy to identify these identical signatures. I have requested that Banco Sabadell send me a copy of the signature in question. They have refused to do so.

Banco Sabadell claims that the transfer that took place, 443.32 EUR, refers to a municipal tax. The Patronato Recaudacion Provincial de Malaga is linked to the Agencia Tributaria and administers the payments made by taxpayers. The Agencia Tributaria has the right to charge a special property tax to property owners who are not permanently resident in Spain. It is called Non-Resident Income Tax. To be considered permanently resident in Spain, Spanish law stipulates that you must have lived in Spain for more than 182 days during the tax year. I have been a permanent resident since in 2016.

 If Banco Sabadell had checked the facts better, they would have been able to see that I never received an invoice from the Agencia Tributaria or the Patronato Recaudacion Provincial de Malaga for the amount of 443.32 EUR. On 2024-04-02, the Agencia Tributaria invoiced me for 443.35 EUR. They claim that I was not permanently resident in Spain.

Here you can download the letter from the Agencia Tributaria: agencia_tributaria_may_2024_443EUR.pdf    (Spanish)      (You can copy and paste into Google Translate)  

On 2024-05-21, I appealed this charge to the Agencia Tributaria. I have not received any response since then.

Please note that my bank account has been debited with EUR 443.32. What was debited from the Agencia Tributaria is EUR 443.35. The difference is EUR 0.03. I have hereby proven that Banco Sabadell's claim that the charge is a municipal tax is a lie. There is simply no invoice for me in the amount of EUR 443.32. The references on the bank receipt are not found on the invoice sent to me by the Agencia Tributaria. The reason why the fraudsters at Banco Sabadell chose an invoice from the Agencia Tributaria as the basis for the fraud is that they are in collusion with them. In 2025, I have shown that CIA gangsters are rampaging within the Agencia Tributaria. They have also managed to infiltrate Banco Sabadell.


Maria Martinez Ortiz-Mijas Costa, 2025-03-25.
At the beginning of April 2025, I noticed a transaction in my bank account that seemed suspicious. I accessed my account and was able to secure the following data:

Operation date: 25/03/2025.
Description: Purchase with card 4194********3013 Maria Martinez Ortiz-Mijas Costa.
Amount: -308.55 EUR
Value date: 25/03/2025
Card No. 4194_3013
Debit and credit cards.
Time: 15:37:20
Reference: 4194_3013 2025-03-25 15:37:20

On April 25, 2025, I reported this bank fraud in writing to Banco Sabadell. I claim that I did not make this purchase. I do not know who Maria Martinez Ortiz is. I have searched the Internet to find any business on the Costa del Sol with the name Maria Martinez Ortiz. I have not been able to find anything.

 I have two bank accounts with Banco Sabadell. The bank card used in the fraud I have not used for purchases on the Internet. I have used bank card number two for a few purchases on the Internet. Banco Sabadell unexpectedly blocked that card. I was asked to order a new bank card. I ordered a new one in March but Banco Sabadell has refused to deliver it. My hypothesis is that someone within Banco Sabadell has carried out this fraud. I am still waiting for the bank to report to me on the results of their investigations.