You save all your hard-earned money in your bank account but your money was transferred without your knowledge?!
A netizen took social media to share her horrifying experience, where under the circumstances of No OTP or SMS TAC from the bank. The money in her bank account was transferred! She only found out a week later when she logged in to the bank account to check her balance!
Her post read:
If you haven’t sleep at this hour, then listen to my story!
I normally will over-spend, thus i always like to check the balance of my bank account. That night, i got nothing to do so i logged in to my Mxxbank account. And i couldn’t believe, a poor fellow like me will experienced this too!
Mxxbank is one of the account that i used for online shopping and also the auto-debit for my insurance.
Under the circumstances of not receiving any OTP, there were transactions for “sales debit” and “Pre – auth debit”. The transactions is in USD. Without hesitation, i transferred the remaining amount of the money to other bank account.
I lodged a complaint to Mxxbank customer service( CS). The CS said will blocked the card and i will need to go to the bank to fill in a form.
Then i asked the CS: 「Do i need to lodge a police report? Because it’s not me that do the transactions. Moreover i never received any TAC. I don’t understand how my money went missing?」
*The CS and the bank teller were telling me the same: 「No need to make a police report.」They just need me to re-do the card and filled up a form to resolve the matter.
The bank teller said they will try to refund me. The process will took 40-60 days. And they added:「 You are consider lucky, at least you did check your bank account regularly. Some people don’t even know the money in their bank account been transferred.」( I was puzzled!) Does it mean it’s happened all the time that money in bank account been transferred without the account holder’s knowledge? Now, i’m not sure whether i can get back my money.
I always thought those people who are active in gambling site likely to have bank info leaked. I never thought a girl who is poor & simple like me will be in this situation too.
As a conclusion,
Keeping money at home is dangerous. But it doesn’t mean keeping them in the bank is safe. Maybe safest will be keeping them under your pant?!
▼ Some netizens also experienced the same.
▼ “The amount is deducted but they refunded me immediately”
▼ ” I experienced the same too! Pre-auth RM1400. Mxxbank seems like always had the same issue, not that safe. I’m still in the midst waiting for the investigation then the refund. According to them, the process will take 40-60days. Because the bank need to prove that we are not the one to authorise the transaction. This is a scam, they will start with RM3 then refund. If they manage to do it, they will transfer a bigger amount. You won’t be receiving any OTP as they do have way to bypass OTP.”
▼ ” Me too! RM3k was transferred. I did lodge a police report, and reporting it bank and re-do the card. However, the bank said i hardly get my money back.”
▼ “I filled the dispute form, but please do follow up regularly. I get back all my money in a month time.” 
▼ Netizen A : OMG, i seldom check my bank account.
Post author: I was curious too, no idea why money was deducted as i seldom used this bank card.
▼ One said, ” Actually Mxxbank security is not that good. Your money can easily transferred. I would suggest to keep the money in PBE, it’s safer.”
▼ Some netizens suggested the post author to lodge a police report, as they think if the bank couldn’t refund her after 40-60days time, then it’s too late to lodge a report. And a netizen shared her experience : ” My few thousand ringgit was transferred, i went to the bank they were telling me they needed 3-4 days for investigation. But after i lodged the police report, i went back to them with the report. They were telling me it’s a system error and they will refund me”
▼（Picture for illustration purpose only）
▼ If the progress of refunding is slow, you can also lodged a report to Bank Negara.
Post author : Then should i lodge a police report?
Netizen B: Actually it’s ok whether to report or not as the police can’t do anything on it. At least you kept a black & white and hand a copy to the bank too.
▼ “After the incident, you should re-format your phone. You probably downloaded certain app. ( Which contain malware that steal your bank info)”
▼ After reading her post a lot of netizens also checking their bank account. ” Lucky my RM2 still there?” ,”What did i spend for RM3.90?”, “Scary.. I think i need to check my bank account everyday!”
▼ “I would suggest to get a safe and keep your money at home.”
Info via：Wenjing / Facebook
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