About Intellectual Property IP Training IP Outreach IP for… IP and... IP in... Patent & Technology Information Trademark Information Industrial Design Information Geographical Indication Information Plant Variety Information (UPOV) IP Laws, Treaties & Judgements IP Resources IP Reports Patent Protection Trademark Protection Industrial Design Protection Geographical Indication Protection Plant Variety Protection (UPOV) IP Dispute Resolution IP Office Business Solutions Paying for IP Services Negotiation & Decision-Making Development Cooperation Innovation Support Public-Private Partnerships The Organization Working with WIPO Accountability Patents Trademarks Industrial Designs Geographical Indications Copyright Trade Secrets WIPO Academy Workshops & Seminars World IP Day WIPO Magazine Raising Awareness Case Studies & Success Stories IP News WIPO Awards Business Universities Indigenous Peoples Judiciaries Genetic Resources, Traditional Knowledge and Traditional Cultural Expressions Economics Gender Equality Global Health Climate Change Competition Policy Sustainable Development Goals Enforcement Frontier Technologies Mobile Applications Sports Tourism PATENTSCOPE Patent Analytics International Patent Classification ARDI – Research for Innovation ASPI – Specialized Patent Information Global Brand Database Madrid Monitor Article 6ter Express Database Nice Classification Vienna Classification Global Design Database International Designs Bulletin Hague Express Database Locarno Classification Lisbon Express Database Global Brand Database for GIs PLUTO Plant Variety Database GENIE Database WIPO-Administered Treaties WIPO Lex - IP Laws, Treaties & Judgments WIPO Standards IP Statistics WIPO Pearl (Terminology) WIPO Publications Country IP Profiles WIPO Knowledge Center WIPO Technology Trends Global Innovation Index World Intellectual Property Report PCT – The International Patent System ePCT Budapest – The International Microorganism Deposit System Madrid – The International Trademark System eMadrid Article 6ter (armorial bearings, flags, state emblems) Hague – The International Design System eHague Lisbon – The International System of Appellations of Origin and Geographical Indications eLisbon UPOV PRISMA Mediation Arbitration Expert Determination Domain Name Disputes Centralized Access to Search and Examination (CASE) Digital Access Service (DAS) WIPO Pay Current Account at WIPO WIPO Assemblies Standing Committees Calendar of Meetings WIPO Official Documents Development Agenda Technical Assistance IP Training Institutions COVID-19 Support National IP Strategies Policy & Legislative Advice Cooperation Hub Technology and Innovation Support Centers (TISC) Technology Transfer Inventor Assistance Program WIPO GREEN WIPO's Pat-INFORMED Accessible Books Consortium WIPO for Creators WIPO ALERT Member States Observers Director General Activities by Unit External Offices Job Vacancies Procurement Results & Budget Financial Reporting Oversight

WIPO Arbitration and Mediation Center

ADMINISTRATIVE PANEL DECISION

Confédération Nationale du Crédit Mutuel v. Thierry Alexis, Intellitrade Limited

Case No. D2018-2680

1. The Parties

The Complainant is Confédération Nationale du Crédit Mutuel of Paris, France, represented by MEYER & Partenaires, France.

The Respondent is Thierry Alexis, Intellitrade Limited of Fgura, Malta.

2. The Domain Name and Registrar

The disputed domain name <credit-mutuel-mon-compte.review> (the “Domain Name”) is registered with NameCheap, Inc. (the “Registrar”).

3. Procedural History

The Complaint was filed with the WIPO Arbitration and Mediation Center (the “Center”) on November 22, 2018. On November 22, 2018, the Center transmitted by email to the Registrar a request for registrar verification in connection with the Domain Name. On November 22, 2018, the Registrar transmitted by email to the Center its verification response disclosing registrant and contact information for the Domain Name which differed from the named Respondent and contact information in the Complaint. The Center sent an email communication to the Complainant on November 23, 2018 providing the registrant and contact information disclosed by the Registrar, and inviting the Complainant to submit an amendment to the Complaint. The Complainant filed an amended Complaint on November 28, 2018.

The Center verified that the Complaint together with the amended Complaint satisfied the formal requirements of the Uniform Domain Name Dispute Resolution Policy (the “Policy” or “UDRP”), the Rules for Uniform Domain Name Dispute Resolution Policy (the “Rules”), and the WIPO Supplemental Rules for Uniform Domain Name Dispute Resolution Policy (the “Supplemental Rules”).

In accordance with the Rules, paragraphs 2 and 4, the Center formally notified the Respondent of the Complaint, and the proceedings commenced on November 6, 2018. In accordance with the Rules, paragraph 5, the due date for Response was December 26, 2018. The Respondent did not submit any response. Accordingly, the Center notified the Respondent’s default on December 27, 2018.

The Center appointed Mathias Lilleengen as the sole panelist in this matter on January 7, 2019. The Panel finds that it was properly constituted. The Panel has submitted the Statement of Acceptance and Declaration of Impartiality and Independence, as required by the Center to ensure compliance with the Rules, paragraph 7.

4. Factual Background

The Complainant is the political and central body of the banking group Crédit Mutuel. Crédit Mutuel is a French banking and insurance services group, which provides services to 12 million clients. Crédit Mutuel is a network of 3178 offices in France, congregated in 18 regional federations. The group is a major actor on the market of banking services for both individuals and businesses, and it operates web portals under “www.creditmutuel.com” and “www.creditmutuel.fr”. It offers online banking services to Crédit Mutuel’s customers.

The Complainant has registered in France and abroad trademarks consisting in or including the wording “Crédit Mutuel”. For example CREDIT MUTUEL, French semi-figurative trademark No. 1475940 of July 8, 1988, renewed on August 27, 2008, CREDIT MUTUEL, French semi-figurative trademark No. 1646012 of November 20, 1990, renewed on September 15, 2010, and CREDIT MUTUEL, nominative European Union trademark No. 9943135 registered on October 20, 2011. The Complainant is also the proprietor of several domain names containing “Crédit Mutuel” registered under generic Top-Level Domains (“gTLDs”) or under country code Top-Level Domains (“ccTLDs”).

According to the Registrar, the Domain Name registration was created on August 13, 2018. At the time of filing the Complaint, and at the time of drafting the Decision, the Domain Name resolves to a website pretending to be an official website of the Complainant.

5. Parties’ Contentions

A. Complainant

The Complainant provides evidence of trademark registrations. The Complainant argues that the Complainant’s trademark is well known. The Domain Name incorporates in its entirety the trademark CREDIT MUTUEL, followed by the words “mon-compte” (in French “my account”). The addition of the words “mon-compte” only strengthens the likelihood of confusion.

The Complainant argues that the Respondent has no rights or legitimate interests in respect of the Domain Name. The Complainant has not given the Respondent the permission to use its trademarks in any manner. There is no evidence of the Respondent’s use in connection with a bona fide offering of goods or services. The Domain Name directs to a website pretending to be an official website of the Complainant. Such activity cannot constitutive rights or legitimate interest. The Respondent aims at collecting personal data from the Complainant’s clients who are lead astray by the Respondent’s scam.

The Complainant is convinced that the Respondent has registered the Domain Name with knowledge of Complainant’s trademark. The Respondent has registered a well known trademark, added the words “mon compte”, in order to divert Internet users. Moreover, the Respondent’s and his company has been involved in previous UDRP cases relating to counterfeiting/phishing.

B. Respondent

The Respondent did not reply to the Complainant’s contentions.

6. Discussion and Findings

A. Identical or Confusingly Similar

The Complainant has established that it has rights in the trademark CREDIT MUTUEL. The test for confusing similarity involves the comparison between the trademark and the Domain Name. In this case, the Domain Name incorporates in its entirety the Complainant’s trademark. The addition of the words “mon-compte” does not avoid a finding of confusing similarity. For the purpose of assessing confusing similarity, it is permissible for the Panel to ignore the gTLD “.review”, see WIPO Overview of WIPO Panel Views on Selected UDRP Questions, Third Edition (“WIPO Overview 3.0”), section 1.11.

The Panel finds that the Domain Name is confusingly similar to a trademark in which the Complainant has rights in accordance with paragraph 4(a)(i) of the Policy.

B. Rights or Legitimate Interests

The Complainant has made unrebutted assertions that it has not granted any authorization to the Respondent to register domain names containing the Complainant’s trademark or otherwise make use of its mark. Based on the evidence, the Respondent is not affiliated or related to the Complainant in any way. There is no evidence that the Respondent has registered the Domain Name as a trademark or acquired unregistered rights. There is no evidence of the Respondent’s use of, or demonstrable preparations to use, the Domain Name or a name corresponding to the Domain Name in connection with a bona fide offering of goods or services. On the contrary, the Domain Name directs to a website pretending to be an official website of the Complainant. This is not bona fide.

The Panel finds the Respondent has no rights or legitimate interests in respect of the Domain Name in accordance with paragraph 4(a)(ii) of the Policy.

C. Registered and Used in Bad Faith

The Domain Name incorporates the trademark CREDIT MUTUEL. Taking into account the Respondent’s use of the Domain Name, it seems more likely than not that the Respondent knew of the Complainant and its business when he registered the Domain Name.

Noting the Respondent’s involvement in previous UDRP proceedings and the fact that the Respondent has not replied to the Complaint, the Panel concludes that the Domain Name was registered and is being used in bad faith, within the meaning of paragraph 4(a)(iii) of the Policy.

7. Decision

For the foregoing reasons, in accordance with paragraphs 4(i) of the Policy and 15 of the Rules, the Panel orders that the Domain Name, <credit-mutuel-mon-compte.review> be transferred to the Complainant.

Mathias Lilleengen
Sole Panelist
Date: January 10, 2019

https://www3.wipo.int/contact/en/area.jsp?area=arbitration https://www.wipo.int/pressroom/en/ https://www.wipo.int/tools/en/disclaim.html https://www.wipo.int/en/web/privacy-policy/ https://www.wipo.int/en/web/accessibility/ https://www.wipo.int/tools/en/sitemap.html https://www3.wipo.int/newsletters/en/ https://www.wipo.int/podcasts/en/ https://www.wipo.int/news/en/