The bank doesn't, but when it has been raised with the police etc....they and the banks should be dealing with it promptly.

Which in many respects is the biggest disgrace here, the lack of action by authorities makes it so easy for scammers to get away with it.

Even on local news only a few days ago, an elderly lady got scammed out of £10k by some fake Amazon callers, and it was only a second attempt to take another £10k is when someone at the bank did stop it. Although it didnt mention if they refunded the first £10k.

When you watch some of the stuff on Youtube about online scammers etc, largely relating to "tech call centres" and the likes from mostly India, it is a multi billion ££££ industry for them. And the scammers are utterly despicable with their actions often targeting vulnerable people.