Louay El-sayah, 38, was a victim of “skimming” where a person’s debit card details are copied from the magnetic stripe on the back of their card and encoded onto a fake card. He reported the theft to his bank, Commonwealth Bank of Australia, one of the country’s largest financial institutions. After a 45-day waiting period, he was denied a refund. The bank reversed its decision on Monday and will refund his money, but it highlights the battle consumers can face.”]