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

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Human Nature
post Jan 19 2012, 12:12 PM

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For SCB, card holders can set the amount for SMS and/or email notifications through its online banking, but it has to be activated as the default is 'no notification'. Previously I can set the threshold amount to RM100. Upon checking yesterday, the threshold for all items have been set to a minimum of RM250.

Sample:
RM0.00:StanChart: Transaction alert – Retail Purchase of MYR165.50 was made from credit card ****#### on 18/01/12 at 06:00 PM.

Addtional info on MBB, comment by their Maybankard FB administrator:
"the SMS alert will only be sent for certain transactions that match a certain criteria (sorry, i can't discuss the criteria). Therefore, you will not receive the alert for ALL transactions"

This post has been edited by Human Nature: Jan 19 2012, 12:16 PM
Human Nature
post Jan 19 2012, 02:56 PM

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QUOTE(Gen-X @ Jan 19 2012, 01:44 PM)
Bro, so now SCB CC SMS Alert minimum is RM100 or RM250?
When you reply please state SCB because I'll update 1st post and refer to your reply.
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At the SCB online banking site, minimum threshold is RM250.
Mine is still RM100 because I have pre-set it earlier biggrin.gif . If I were to change it now, have to follow RM250.
Human Nature
post Jan 19 2012, 04:30 PM

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QUOTE(hye @ Jan 19 2012, 04:04 PM)
Already reported my case to BNM. Received BNM auto-generated reply. Just to wait now for their feedback.
If anyone have any concerns with not receiving SMS alert from MBB ... please do something about it and together something might happen.

And please don't go and threaten MBB ... CS immune with it already and they will shut off if you do coz I think many did this to them. The one I spoke to just now sounded tensed when I asked why MBB does not want to send me SMS as I have a good case ... kept on insisting I send message to higher authority + said that their system cannot capture my request for the SMS. (Yeah right!)
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same here, receive auto reply from their integrated contact centre as well.
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
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
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Oh, so the SMS alert is still due to the online banking pre-set amount. I retract my compliment to SCB tongue.gif
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.

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
Human Nature
post Jan 26 2012, 08:23 PM

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QUOTE(Gen-X @ Jan 26 2012, 06:33 PM)
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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if it is different for each individual, then the customer has the right to know what is the amount. let's wait for further reply from them/
Human Nature
post Jan 27 2012, 10:19 PM

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Submitted the OCBC SMS alert request form to change my minimum threshold and successfully received SMS for my transaction, all within one day. Kudos OCBC. It's a shame for Maybank, being one of the leading bank here, taking their customers for a ride.
Human Nature
post Jan 28 2012, 12:49 AM

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QUOTE(ronnie @ Jan 28 2012, 12:45 AM)
How low did you change it to ? RM1.00 or RM0.10 ?
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RM20 only blush.gif
Human Nature
post Jan 28 2012, 11:04 AM

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QUOTE(winner @ Jan 28 2012, 07:16 AM)
It is incorrect for my case. I made 2 transactions (both transactions are more than RM1,000 but less than RM1,500 each) within the same day. However, I only received one sms notification. How does MBB explain this?
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which transaction triggered the SMS alert, the lower or higher amount? and both are face to face transactions?
Human Nature
post Jan 30 2012, 12:21 PM

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QUOTE(zenquix @ Jan 30 2012, 11:35 AM)
i have not been getting any sms for any transactions, even ones done online. Even with OCBC, no sms when I traveled and pump petrol outside of my usual city.
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for OCBC, you can submit the SMS alert form to reduce your minimum threshold amount. the form was given by ronnie at the OCBC ti thread smile.gif

http://forum.lowyat.net/topic/1791215/+1520#

This post has been edited by Human Nature: Jan 30 2012, 12:25 PM
Human Nature
post Jan 30 2012, 05:51 PM

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Interesting respond from Maybank.

QUOTE
Please allow us to clarify that the pre-determined amount is set by the Bank. Hence, we are unable to disclose the amount. Nevertheless, kindly be informed that an alert shall be sent for transactions where the card is not presented such as online transactions, auto debit or mail order transactions. For transactions where the card is presented, you may opt for your own preferred threshold amount which is to be lower than RM1,000.00 to safeguard your interest from fraudulent usage. Once you have opted your preferred threshold amount, all the transaction which is performed per the threshold amount you have opted for shall alert you with a SMS via your mobile phone.

Human Nature
post Feb 2 2012, 01:21 PM

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Receved SMS from MBB on my threshold request:

QUOTE
RM0.00 MBB CUST XXXXXXXXXXXXXX####: YOUR REQUEST TO CHANGE OF THRESHOLD AMT MYR10 IS SUCCESSFUL

One for each account smile.gif
Email to mbbcardservices@maybank.com.my. Only manage to do so after several correspondence. After I applied, approval in 2-3 days.

This post has been edited by Human Nature: Feb 2 2012, 01:21 PM
Human Nature
post Feb 4 2012, 10:04 PM

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Even after getting SMS from Maybank to confirm that I have successfully changed my threshold amount, I still do not get any SMS after swiping my cards three times at different locations today. This is really a bad joke from Maybank vmad.gif

This post has been edited by Human Nature: Feb 4 2012, 10:07 PM
Human Nature
post Feb 7 2012, 10:26 AM

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QUOTE(idunnolol @ Feb 6 2012, 08:33 PM)
\Is it possible to change the threshold limit online for MBB cards?
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not possible.
Human Nature
post Feb 8 2012, 06:11 PM

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QUOTE(Human Nature @ Feb 4 2012, 10:04 PM)
Even after getting SMS from Maybank to confirm that I have successfully changed my threshold amount, I still do not get any SMS after swiping my cards three times at different locations today. This is really a bad joke from Maybank  vmad.gif
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Maybank did not respond after the promised 3 working days respond time, as usual. I cc again to BNM and within minutes BNM send a reminder to Maybank to address my issue within 2 weeks. Just sharing.

Human Nature
post Feb 9 2012, 11:22 PM

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QUOTE(ronnie @ Feb 9 2012, 11:06 PM)
My request for Maybankard SMS Alert threshold to be lowered has been approved via SMS.... let's see if it really works.
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How do you request, through email? Please test it asap tongue.gif
Human Nature
post Feb 11 2012, 01:53 AM

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QUOTE(idoblu @ Feb 11 2012, 12:14 AM)
I just charged my MBB card from an online purchase at a US store. The next second I hit Confirm Purchase, a SMS came in from MBB. Next few minutes MBB CS called and ask if I use my card
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online purchase, very very likely will get sms.

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