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 SMS Alert - You're Not In Control, Report here your SMS Alert

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TSGen-X
post Jan 21 2012, 10:22 AM

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QUOTE(bertdeen30 @ Jan 21 2012, 09:38 AM)
rm0.10 autobilling from digi from my amex plat credit card.

i recieved 50 sms in one time for all the auto billing ,
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what is with the "rm0.10"? Are you being charged for the SMS?

Most SMS I get with have RM0.00 except for HSBC stupid contest where they will reply with RM0.30 (which means I be charge RM0.30).

I just checked, the SMS from MBB for my DiGi autodebit to my MBB 2 AMEX starts with RM0.00, same format at 1st post.

QUOTE(yhtan @ Jan 21 2012, 10:14 AM)
Been swipe for about 6 times with my public bank credit card, no any SMS notification at all!
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Any amount greater RM500 or what was the max amount you swiped? Why don't you call PBB and ask why? And would be great if you can report here the feedback you received.

This post has been edited by Gen-X: Jan 21 2012, 10:28 AM
idunnolol
post Jan 21 2012, 10:31 AM

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Used my amex for a supplier to charge a payment directly to my credit card and only got the SMS after a time gap of 4 hour

Amount is 875 USD
redbluegreen
post Jan 21 2012, 10:57 AM

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QUOTE(yhtan @ Jan 21 2012, 10:14 AM)
Been swipe for about 6 times with my public bank credit card, no any SMS notification at all!
*
Same thing here.

I didn't receive any SMS for an online transaction on Jan 6th for RM650. Called up CS and was informed the default threshold is RM500 but the person I spoke with didn't have an explanation as to why I didn't receive an SMS alert.

Anyway, I requested the threshold be lowered to the minimum amount allowed by Public Bank and so far, so good. All physical card swipes above RM100 trigger an alert immediately (within 5-10 secs). Haven't tried online transactions yet.

SMS format:
CODE
RM0.00 Pls call PBB if you didn't use card at MERCHANT LOCATION AMOUNT DATE TIME. For contact no, pls refer to back of your card.
alexwsk
post Jan 21 2012, 12:33 PM

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StanChart: Transaction alert - Retail Purchase of MYR91.70 was made from credit card ****CC on 20/01/12 at 08:17PM.

Please note the above is exactly what is being sent to me, including the four *. I wonder if I have a few SCB cards, then I will be like **** rclxub.gif , which card is which laugh.gif No mention of merchant name and sometimes the sms is late by 30 minutes

This post has been edited by alexwsk: Jan 21 2012, 12:40 PM
Human Nature
post Jan 21 2012, 02:33 PM

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^ not bad from SCB, RM91.70. So the RM250 minimum threshold is only if you pre-set at the online banking. No sms when I swiped for RM69 though.

This is reply from MBB doh.gif No reply from BNM yet.
QUOTE
We would appreciate it if you could allow us to check on this matter through the relevant department.  We shall revert the necessary once receive any feedback from them soon.
This post has been edited by Human Nature: Jan 21 2012, 04:05 PM
alexwsk
post Jan 21 2012, 05:30 PM

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QUOTE(Human Nature @ Jan 21 2012, 02:33 PM)
^ not bad from SCB, RM91.70. So the RM250 minimum threshold is only if you pre-set at the online banking. No sms when I swiped for RM69 though.

This is reply from MBB  doh.gif No reply from BNM yet.
*
oh, I've presetted mine to 50 before 1 jan
if i were to set it now, min threshold should be 250
Human Nature
post Jan 21 2012, 05:32 PM

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QUOTE(alexwsk @ Jan 21 2012, 05:30 PM)
oh, I've presetted mine to 50 before 1 jan
if i were to set it now, min threshold should be 250
*
Oh, so the SMS alert is still due to the online banking pre-set amount. I retract my compliment to SCB tongue.gif
alexwsk
post Jan 21 2012, 07:38 PM

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QUOTE(Human Nature @ Jan 21 2012, 05:32 PM)
Oh, so the SMS alert is still due to the online banking pre-set amount. I retract my compliment to SCB  tongue.gif
*
well, at least can set the amount above 250 which you like
temptation1314
post Jan 21 2012, 07:45 PM

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ok, checked about the CIMB.

Swiped few times today, ranging from RM100-RM200, no SMS from the bank.

I guess maybe it's RM500 above for CIMB. :S
winner
post Jan 21 2012, 08:17 PM

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RM0.00 MBB CARD XXXXXXXXXXXX:TQ FOR YOUR USAGE AT EASTIN HOTEL\NO 13 SECTIO,N 16/11;16/01/12,22:45:14 FOR MYR1,144.90.

So far I only received this SMS notification from MBB. No notification for another transaction made on the following day.
alexwsk
post Jan 21 2012, 10:06 PM

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From PBB Website:

Effective 1 Jan 2012, transaction alert(s) to verify your card transaction(s) may be sent via SMS to your mobile phone number.

Please ensure your mobile phone number provided to the Bank is correct. If you wish to update your mobile phone number, change your threshold amount, opt-out of the service or opt to receive the alert via e-mail, please call us at 03-21768000 or e-mail to custsvc@publicbank.com.my. - 30 December 2011
ronnie
post Jan 22 2012, 01:23 AM

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Format from Hong Leong Bank

CODE
RM0.00 HLB - Your prin account ending #### has been debited with RM xxx.xx at MERCHANT NAME.Please contact HLB Call Centre for assistance.
ronnie
post Jan 23 2012, 12:40 PM

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OCBC says we can change the limit from default RM500 to any other amount. A form will be required for the changes.
I'm still waiting for the form via email
TSGen-X
post Jan 23 2012, 02:25 PM

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QUOTE(ronnie @ Jan 23 2012, 12:40 PM)
OCBC says we can change the limit from default RM500 to any other amount. A form will be required for the changes.
I'm still waiting for the form via email
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Yah, mentioned in my blog OCBC allows us to change default amount and so do Citibank and HLB.
winner
post Jan 24 2012, 07:30 PM

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MBB is very inconsistent. I made two transactions today using Maybankard 2 Amex. Both transactions are more than RM1,000. I only received one sms notification.

RM0.00 MBB CARD XXXXXXXXXXXX1828:TQ FOR YOUR USAGE AT HOSPITAL XXX;24/01/12,17:00:24 FOR MYR1,294.80.
Human Nature
post Jan 25 2012, 10:56 PM

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Follow up from BNM

QUOTE
We would appreciate it if you could provide us the following details to enable us to assist you further:
(1)  Your full name and Mykad number;
(2)  Correspondence address and contact number; and
(3)  Information of the account number and the bank. 
Kindly be informed that we will forward your complaint/appeal to our Complaint Management and Advisory Unit, upon receiving the information above. Thank you.
TSGen-X
post Jan 26 2012, 10:44 AM

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Got the opportunity to use my RHB card at a Restaurant offering 15% cash rebate last night. SMS almost immediate.

RM0.00 RHBCards : Tranx amounting 650 dated 25/01/2012 for RHB Card First 4 Digits********Last 4 Digits has been approved. Pls call number behind the card for assistance.

If you observe above, the SMS does not mentioned of currency type (i.e. RM), merchant name and location.
Human Nature
post Jan 26 2012, 04:58 PM

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Today, i received another email from the same rep from BNM of a different tone:

QUOTE
We wish to inform you that for any complaint, the complainant is advised to lodge a written complaint to the complaint unit of the respective bank. The details of the complaint unit of the bank can be obtained from our website at the following link: 
http://www.bnm.gov.my/index.php?ch=17&pg=54&ac=57

In the event that you are not satisfied with the explanation given by the bank, you may then lodge a complaint with all the related details (including full name, MyKad number, contact number, correspondence address of the complainant and the name/branch of the bank) via this e-mail address or to write to us at the following address:

Director
LINK & Regional Offices
Bank Negara Malaysia
Peti Surat 10922
50929 Kuala Lumpur
Fax No: +603 2174 1515
E-mail: bnmtelelink@bnm.gov.my


and i inquired what is the intention to request for my personal and account details earlier doh.gif
Human Nature
post Jan 26 2012, 05:04 PM

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and I receive this reply from maybank:

QUOTE
Further to our checking in regards to your query, kindly be informed that the Bank had in fact implemented the guideline mandated by Bank Negara Malaysia on the Transaction Alert effective 1st January 2012. We wish to further clarify that each Bank has their own criterias being pre-determined when a SMS transaction alert is being sent to card members. Allow us to confirm that the criteria that has been set where SMS shall be sent when the transaction performed is above the minimum threshold  amount set by the bank for each transaction. Hence, this would explain why you have not received any SMS Alert per the purchases made by your goodself. Nevertheless, should there be any form of unauthorised transaction being performed with your card, you may file for a dispute and we shall conduct the necessary investigation.


I am challeging the bolded statement because fellow forumers reported that they received sms for petrol transactions, while one did not get any for hotel (few k). Would be good if we can gather what is the lowest amount that triggers the sms (for face to face transactions).

» Click to show Spoiler - click again to hide... «


I think we need to keep complaining to BNM. My suggestion is to write a simple email to MBB each time no sms is received and cc to BNM.

This post has been edited by Human Nature: Jan 26 2012, 05:20 PM
TSGen-X
post Jan 26 2012, 06:33 PM

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QUOTE(temptation1314 @ Jan 21 2012, 07:45 PM)
ok, checked about the CIMB.

Swiped few times today, ranging from RM100-RM200, no SMS from the bank.

I guess maybe it's RM500 above for CIMB. :S
*
Updated 1st post on this info.

QUOTE(Human Nature @ Jan 26 2012, 05:04 PM)
and I receive this reply from maybank:
I am challeging the bolded statement because fellow forumers reported that they received sms for petrol transactions, while one did not get any for hotel (few k). Would be good if we can gather what is the lowest amount that triggers the sms (for face to face transactions).

» Click to show Spoiler - click again to hide... «


I think we need to keep complaining to BNM. My suggestion is to write a simple email to MBB each time no sms is received and cc to BNM.
*
Based on what you received and highlighted, Maybank's statement is inaccurate as it should be reissued as "Maybank has its own minimum threshold for Each Individual". sweat.gif
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