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Let me explain how I'm understanding it for all those still confused.
Epassporte Cardholder A = The guy that gifted bob69 with a card.
Epassporte Cardholder B = Bob69 (the 'gift card')
Epassporte Cardholder C = Fraudulent P2P funder.
So Cardholder A gifts Cardholder B (bob69) with a card. Now they probably have nothing to do with eachother for a year and one day, Cardholder A receives money from a so called Cardholder C. Cardholder A goes to the ATM, withdraws his cash and is happy go lucky not knowing what's going on.
Meanwhile - Epassporte gets a report of fraud on the funds from Cardholder C. They go on the account from Cardholder A and there's no money there to reverse the transaction. So what do they do? They go on Cardholder B's account and hold his money hostage until 'he' can track down Cardholder A to get him to fund his account to cover the overdraft - regardless on whether these two know eachother or are still in contact.
NOW let's just imagine that Cardholder A, no longer uses his account, disappeared, died or doesn't have the funds or the will to take the loss for a fraud that Cardholder C committed, how on earth does that make Cardholder B responsible for everyone else's misuse of the card and their failure to respect their cardholder agreement with Epassporte?
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