{"id":9911,"date":"2026-04-28T10:28:27","date_gmt":"2026-04-28T02:28:27","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9911"},"modified":"2026-04-29T15:29:23","modified_gmt":"2026-04-29T07:29:23","slug":"card-stolen-from-the-aircrafts-overhead-compartment","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/card-stolen-from-the-aircrafts-overhead-compartment\/","title":{"rendered":"Kad Dicuri dari Ruang Simpanan atas Pesawat"},"content":{"rendered":"

<\/p>\n\n\n\n

Pada awal September 2024, David melancong ke Vietnam dan meletakkan begnya di ruang simpanan atas pesawat. Setibanya di sana, beliau mendapati begnya dibuka dan sampul yang mengandungi wang tunai telah hilang. Beliau juga tidak menyedari bahawa kad kreditnya telah dikeluarkan pada ketika itu.<\/p>\n\n\n\n

Beliau hanya menyedari kehilangan tersebut pada 12 September 2024 selepas menyemak penyata dalam taliannya dan segera melaporkan perkara itu kepada Bank ABC dengan mempertikaikan tiga transaksi berjumlah RM24,954.83.<\/p>\n\n\n\n

David menegaskan bahawa transaksi tersebut tidak dibenarkan dan tidak selaras dengan corak perbelanjaan hariannya. Beliau berhujah bahawa ABC Bank sepatutnya menghubunginya sebelum meluluskannya. Namun begitu, beliau mengakui bahawa beliau jarang menjawab panggilan semasa berada di luar negara dan tidak mengaktifkan perayauan antarabangsa.<\/p>\n\n\n\n

ABC Bank menolak pertikaian tersebut dengan menyatakan bahawa transaksi dilakukan secara fizikal menggunakan kad yang sah dan pemegang kad telah gagal melindunginya.<\/p>\n\n\n\n

PENEMUAN<\/strong><\/h5>\n\n\n\n

Tiga transaksi kad berjumlah RM24,954.83 telah dilakukan menggunakan kad kredit cip EMV tulen dengan pengesahan tandatangan (tanpa pengesahan PIN).<\/p>\n\n\n\n

Maklumat transaksi melalui SMS telah dihantar ke nombor telefon bimbit berdaftar milik David. Akan tetapi, beliau menyatakan bahawa beliau tidak menerima SMS tersebut kerana tidak mengaktifkan perkhidmatan perayauan. ABC Bank mengesan aktiviti luar biasa dan menyekat kad tersebut pada 7 September 2024 jam 9:36 malam. Laporan rasmi mengenai kehilangan kad hanya diterima pada 12 September 2024.<\/p>\n\n\n\n

David tidak memeriksa kad kreditnya dengan segera setelah menyedari beg dan wang tunainya telah hilang. Disebabkan kelewatannya itu, kad yang dicuri kekal berisiko untuk tempoh yang lebih lama, memberi pencuri masa tambahan untuk menjalankan transaksi tanpa kebenaran sebelum langkah pencegahan diambil.<\/p>\n\n\n\n

Di bawah Perjanjian Kad Kredit, pemegang kad dikehendaki mengambil langkah berjaga-jaga yang munasabah dalam melindungi kad mereka. Meninggalkan kad tanpa pengawasan di ruang simpanan atas pesawat mewujudkan risiko kecurian yang boleh dijangka.<\/p>\n\n\n\n

KEPUTUSAN<\/strong><\/h5>\n\n\n\n

Transaksi yang dipertikaikan telah dilakukan menggunakan kad fizikal, dan ABC Bank tidak mempunyai petunjuk awal mengenai penipuan sebelum transaksi tersebut diselesaikan. Walaupun pihak bank kemudiannya menyekat kad selepas mengesan aktiviti luar biasa, kerugian telah pun berlaku.<\/p>\n\n\n\n

Memandangkan David gagal melaporkan kehilangan kad dengan segera, beliau dianggap tidak memenuhi tanggungjawab penjagaan yang ditetapkan di bawah Perjanjian Kad Kredit.<\/p>\n\n\n\n

Sehubungan itu, pengurus kes bersetuju dengan keputusan bank. David kekal bertanggungjawab ke atas jumlah RM24,954.83. Walau bagaimanapun, ABC Bank dikehendaki mengecualikan semua caj faedah dan bayaran lewat yang timbul daripada transaksi yang dipertikaikan itu.<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

In early September 2024, David travelled to Vietnam and placed his bag in the aircraft\u2019s overhead compartment. Upon arrival, he discovered that the bag had been opened and that an envelope containing cash was missing. However, he did not realise at the time that his credit card had also been removed. 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