You should called up BNM to updates, check with police station as well, we're as concern as you do, because we're internet banking users too.

I ll call them tomorrow. I received their letter that they need 14 days to give me an answer. As for police station, I already send them a letter, but there is still no reply from them. And the Bank Manager had lodged another report about my case. I should send the letter regarding the new report again?

No need. Perhaps a call to enquire about their investigation status would be relatively faster compare to the snail mail?

TS, bank wont give a damn since they wont be a loser ...

unless police arrests the ******* and pay back bank the money, which the chances is 0 now.

everything can be trace, like your tag, but will bank waste time do this which not profit them ?

this is a realistic world ...

scare scare now...coz me oso jz register ebank service

I got advice that I need to send letter to prove that I am doing my job for keep chasing them. Black and white will be useful.
By the way, I just called Bank Negara, and they said that bank already investigate and their decision is not to refund me. Bank Negara also ask me to refer to regarding my case.

I gonna send a letter to Public Bank and the content will be :
-asking them to prove to me that the transaction is done by valid username and password.
-ask them to check on the 3rd party and the money had gone to where
-ask them to prove to me that TAC is applied to my phone.

Is there anymore I should enquire?

This post has been edited by felicious: Oct 20 2008, 06:27 PM

IP that requested the TAC?

You mean the IP address that requested the TAC number?

Can they check the location of the person who logged in to my account?

ISPs do keep records of who, where and when their IP was assigned to.

ISP Provider should have the time, location, when the IP assigned to.

how can that happen????
i thought banks need an approval code before they can process the payment?

Dear TS,

Someone emailed me this info. You may want to check it out....

RM250 limited liability on credit cards
> Most unaware of RM250 limited liability
>
>
> CARDHOLDERS need not pay more than RM250 whenever
> their lost or stolen credit cards are used by
> others. Yet, oftentimes, they end up paying much
> more.
>
> This is because Bank Negara has not informed
> cardholders that they do not have to pay more than
> RM250 for fraudulent transactions carried out using
> their lost or stolen cards, when they had not acted
> fraudulently and had informed the banks about the
> lost or stolen cards as soon as possible.
>
> This protection is given under Clause 13.2 of Bank
> Negara's Credit Card Guideline ('The cardholder's
> maximum liability for unauthorised transactions as a
> consequence of a lost or stolen credit card shall be
> confined to a limit specified by the issuer of
> credit cards, which shall not exceed RM250 provided
> the cardholder has not acted fraudulently or has not
> failed to inform the issuer of credit cards as soon
> as reasonably practicable after having found that
> his credit card is lost or stolen').
>
> Banks know about Clause 13.2 but have chosen to
> ignore it. Instead they pursue cardholders for the
> fraudulent transactions.
>
> They will tell cardholders that a clause in the
> credit card contracts states that all transactions
> carried out before the loss of the cards are
> reported to the banks, are deemed to be carried out
> by the cardholders.
>
> Many cardholders then pay up because they are
> unaware of the RM250 limited liability.
>
> Bank Negara should rule that:
>
> *THE RM250 maximum liability on fraudulent
> transactions is highlighted to cardholders in the
> card agreements as well as in the monthly card
> statements.
>
> *BANKS are not allowed to insert any clause in the
> card agreement which is contrary to Clause 13.2.
>
> *BANKS should refund all money in excess of the
> RM250 collected from cardholders whose cases clearly
> come under Clause 13.2.
>
>
> S.M. MOHAMED IDRIS,
> President,
> Consumers Association of Penang

it says credit card but maybe you'd like to surf bank negara's website to check on any clause for your kind of case

Do update us on your case. Best regards....

This post has been edited by speed7791: Nov 3 2008, 10:48 AM

CC a copy of your report to Bank Negara and put it on attention to Public bank. It will be more effective than a personal report as banks take complaints to BAnk Negara very seriously.

e-Banking is widely used nowadays. and lots of ppl out there trying to do something to 'cheat' $$$ off the accounts. i also use it now & then. just be careful lo.. there's few steps to be taken to ensure yr information are safe eg. delete cookies and temp internet files, never reveal info to 3rd party, take note of 'phishing websites' (cos they always look like the original bank website). 2FA authentication like the hardware token or sms token are to be taken seriously too. dun let it exposed n be easily accessed by othes. some banks (like the one i use) do not need this 2FA for transactions less than RM1k.

Just be careful and safeguard your particulars. try not to access e-Banking on public pcs.

Can you find out where the money went? Just follow the money trail.

Just enter your online bank account and see where the funds were sent to.

TS update?

I've sent letter to Public Bank, police station and FMB. I am waiting for their reply now. By the way, I had read online that Nigeria is having e-banking problem. I am wondering is the person a Nigerian.

Anyone is possible. That's why never trust any person when it comes to money. This applies everywhere especially money.

how about ebroking?
i juz want t o apply 1 pbb ebroking a/c

nigerians.... erm sorry i mean if u have any sort of enquiry whatsoever from nigeria for online biz be super duper careful. they r super famous for online fraud. just google them up to see what i mean.

they'll pose as so many different ppl with different names n use various methods to draw your attention. if u receive a deal o offer that sounds too good to be true, it probably is. they may not say they r from nigeria in the beginning. but if u entertain their emails n later all seems to head that direction. pull the brakes minus ABS....

point..... have nothing to do with anything o anyone from there.

This post has been edited by speed7791: Nov 5 2008, 11:33 PM