Please help! Bank will not return my money!

[21guns]

wala gkawat or nwala akong ATM.
pirmi nah sa akoa..

during sa pgwidraw ani, naa nko akong ATM card.

if mgrequest ko ug snapshots bayaron ko nila ky dli PNB ang gwdrawhan sa kawatan.
mubayad ko nila ug 1,500 - 2,000 per ATM machine
and duha mn ka machine ang gagamit, more or less mghatag ko nila ug 4K
ang dli pjud nah assurance nga mabawi akong money.


asa ko dagan ani..

lecheng PNB!

Madam report the incident to NBI or CIDG,,they will be the one to request the snaphots to the atm bank and since this will now be a crime mandatory nya mahatag ni kay investigation mani, The bank also has the reposibility to deploy a secure ATM machine and safe for their depositors dili lng kay mo dawat ra silag limpyo. The fact nga naay skimming nahitabo it mean dili safe ilang machine. File a case, consult and attorney muna diay before that.

[crstina]

Ddto ko gkan sa BSP, mg.email daw ko kang atty. Prudence Kasala.. siya ang naa sa Finance Consumer Protection Dept.
Mao ni ila email add
consumeraffairs@bsp.gov.ph

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Madam report the incident to NBI or CIDG,,they will be the one to request the snaphots to the atm bank and since this will now be a crime mandatory nya mahatag ni kay investigation mani, The bank also has the reposibility to deploy a secure ATM machine and safe for their depositors dili lng kay mo dawat ra silag limpyo. The fact nga naay skimming nahitabo it mean dili safe ilang machine. File a case, consult and attorney muna diay before that.

Hi sir.. known ni xa nga mao jud ang process? Ky kung mgconsult ko ug lawyer, bcn naa lawyers fee..
And bcn wla ray mhitabo..

[salbahis]

wala gkawat or nwala akong ATM.
pirmi nah sa akoa..

during sa pgwidraw ani, naa nko akong ATM card.

if mgrequest ko ug snapshots bayaron ko nila ky dli PNB ang gwdrawhan sa kawatan.
mubayad ko nila ug 1,500 - 2,000 per ATM machine
and duha mn ka machine ang gagamit, more or less mghatag ko nila ug 4K
ang dli pjud nah assurance nga mabawi akong money.


asa ko dagan ani..

lecheng PNB!

based from the letter, the bank were not able to find skimming as a reason.

based from my experience nauli akong kwarta because of the bank withdrawal is from a different location, which i was able to prove that im in cebu during that withdrawal in Bacolod City, which i was there couple days ago before the incident, my money was return in less than a month complete amount.

few questions though, how did you report the atm is skimmed? did you provide the location of suspected atm machine? did you use it to purchase on online transaction? or swipe it on a card reader?

coz skimming is not limited to atm machine, it is also done if mo swipe kag card reader like kanang gamiton sa mga cashier...

if na skimmed ka kanang dili sa ATM report it immediately sa NBI. kay ilaha na jurisdiction... however bank only restitute skim victim sa ATM machine.

you just need to prove na skim ka sa atm machine otherwise, di jud na mabalik... i-report na sa NBI..

crime like this is under NBI ug BSP... pero pwede ra NBI sila raman ang mo coordinate sa BSP, then ang BSP na ang mo coordinate sa bank.. or vice-versa

[<SMILE>]

“Actually, when fraud happens, the cause has to be investigated. Who bears the losses depends on the circumstances. Both bank and customer each have certain responsibilities as part of their contract. If it’s the bank’s fault, then it should do the right thing of at least refunding,” BSP Deputy Governor Nestor Espenilla said on Thursday.

The BSP, however, so far is not requiring concerned banks to do a refund.
Banks urged: Return money in ATM scams | Inquirer News

Bayad na lang gyud sa investigation sa kada ATM, para ma-prove nga skimming gyud,
nay dakong purohan nga mabalik na. I do not know if such circumstance is covered by the PDIC.

[salbahis]

I do not know if such circumstance is covered by the PDIC.

PDIC is for depositors insurance if in case the bank goes bankrupt or close, jurisdiction ni sa NBI under R.A. 8484

[crstina]

based from the letter, the bank were not able to find skimming as a reason.

based from my experience nauli akong kwarta because of the bank withdrawal is from a different location, which i was able to prove that im in cebu during that withdrawal in Bacolod City, which i was there couple days ago before the incident, my money was return in less than a month complete amount.

few questions though, how did you report the atm is skimmed? did you provide the location of suspected atm machine? did you use it to purchase on online transaction? or swipe it on a card reader?

coz skimming is not limited to atm machine, it is also done if mo swipe kag card reader like kanang gamiton sa mga cashier...

if na skimmed ka kanang dili sa ATM report it immediately sa NBI. kay ilaha na jurisdiction... however bank only restitute skim victim sa ATM machine.

you just need to prove na skim ka sa atm machine otherwise, di jud na mabalik... i-report na sa NBI..

crime like this is under NBI ug BSP... pero pwede ra NBI sila raman ang mo coordinate sa BSP, then ang BSP na ang mo coordinate sa bank.. or vice-versa

Hi sir.. slamat sa input..
First, naa nko ang atm when the transaction happened..
May it copied from an atm or any other wla nko khablo..
Mao pgcheck nko online nga nkuhaan ug amount, dretso daun ko ug twag sa ila cs serv and gpblock dayun akong card..

- - - Updated - - -

“Actually, when fraud happens, the cause has to be investigated. Who bears the losses depends on the circumstances. Both bank and customer each have certain responsibilities as part of their contract. If it’s the bank’s fault, then it should do the right thing of at least refunding,” BSP Deputy Governor Nestor Espenilla said on Thursday.

The BSP, however, so far is not requiring concerned banks to do a refund.
Banks urged: Return money in ATM scams | Inquirer News

Bayad na lang gyud sa investigation sa kada ATM, para ma-prove nga skimming gyud,
nay dakong purohan nga mabalik na. I do not know if such circumstance is covered by the PDIC.

Mbayad unta ko sir, pero dli kasiguuhan nga m.uli ang money nko..
I am positively sure nga ncompromise akong card.
As what they have quoted
"Any withdrawal from his/her ATM card; authorized or not, the bank will not be liable"

Unya dli mn AKONG card ang ggamit pgwdraw..
It was another card which bears my info

[jude86]

makita nimo asa nga maching na withdraw imong money? kay for example, pnb imong card niya sa eastwest atm na withdraw, ang PNB na ang mo request ana sa eastwest to check if nahitabo ba jud ang transaction like naa man gud time debit without dispense makita mana sa ilang logs. but kung naa jud transaction niya sure ka naa nimo ang card so much better ma check nila if imo ba jud card gi gamit ug kinsa nag withdraw sure man jud kaha ka nga dili ikaw or imo kaila nag withdraw sa imo atm card. basta makita ra man na kay naa mana mga logs sa ilang atm switch. dependi ra pud na if mag tinapolan ang PNB mo request. Kay sa ko na baloan wala mana bayad if mo request ka ug snapshots, but dependi pud guro sa banko kay ka dako anang 30k. Sa amo sauna 3k, 5k masuko na mga clients hahaha, but nuon thrift bank to cya before unlike aning mga commercial ug unibank. D kaayo nindot ug customer service para nako ang mga in ani nga mga banks. hehehe

[crstina]

makita nimo asa nga maching na withdraw imong money? kay for example, pnb imong card niya sa eastwest atm na withdraw, ang PNB na ang mo request ana sa eastwest to check if nahitabo ba jud ang transaction like naa man gud time debit without dispense makita mana sa ilang logs. but kung naa jud transaction niya sure ka naa nimo ang card so much better ma check nila if imo ba jud card gi gamit ug kinsa nag withdraw sure man jud kaha ka nga dili ikaw or imo kaila nag withdraw sa imo atm card. basta makita ra man na kay naa mana mga logs sa ilang atm switch. dependi ra pud na if mag tinapolan ang PNB mo request.

Yes, i get u sir..
Is just that mbayad pko nila toh retrieve the cctv.. around 4K
Kani wla nko ksabot y ako mbayad ani..
And the fact nga dli kasiguruhan mbalik ang money, mas grabeh ang damage skoa..
If they did not find the skimming was d reason, if i will pay to retrieve the cctv and could not recognize kinsa ngwdraw( ky naa lageh nko akong atm the whole day) , would it be enough tp return my money?

[chocofudge]

Murag nay in.ana nahitabo sa una sa lain
lng to na bank TS, dako gne to na amt
100k pero nauli man.
Ang nahitabo ato kna btaw e-swipe
ang atm tas naa diay uban na ng swipe
mo record sa tnan nmung data.

[crstina]

Unsa diay jud full story ani TS? nganong nawala man ang 30K?

Dis incident happened sa january..
Anywhere ko mgwthdraw ky pwed mn daw according sa ila cs serv pero naa lng add fee..
Maybe nkuha akong info during christmas ky tman gasto mn bsta aning panahuna..
Ug wla nko khbalo..
Maau jud entawon nga wla ghurot..