{"id":9940,"date":"2026-04-28T11:14:15","date_gmt":"2026-04-28T03:14:15","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9940"},"modified":"2026-04-29T15:26:05","modified_gmt":"2026-04-29T07:26:05","slug":"atm-unauthorised-withdrawal","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/atm-unauthorised-withdrawal\/","title":{"rendered":"ATM - Pengeluaran Tanpa Kebenaran"},"content":{"rendered":"<p><\/p>\n\n\n\n<p>Emily menerima panggilan telefon daripada seorang individu yang mendakwa mewakili Pusat Respons Penipuan Kebangsaan (NSRC). Pemanggil mendakwa bahawa akaun banknya telah digunakan sebagai akaun transit untuk dana tidak sah berjumlah RM1 juta dan waran tangkap telah dikeluarkan terhadapnya.<\/p>\n\n\n\n<p>Emily mematuhi arahan pemanggil tersebut kerana takut akan akibat undang-undang serta-merta. Beliau mendedahkan butiran perbankannya dan pergi ke ATM untuk meningkatkan had transaksi hariannya sebelum melaksanakan pemindahan seperti yang diarahkan. Emily kemudiannya mengakui bahawa beliau sendiri yang melakukan transaksi tersebut mengikut arahan pemanggil.<\/p>\n\n\n\n<p>Menyedari bahawa beliau telah ditipu, Emily melaporkan perkara tersebut dan menyatakan bahawa beliau telah menjadi mangsa penipuan serta memohon bayaran balik bagi jumlah yang dipertikaikan.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>PENEMUAN<\/strong><\/h5>\n\n\n\n<p>Rekod bank menunjukkan bahawa had pemindahan harian Emily telah dinaikkan kepada RM30,000 sebelum transaksi yang dipertikaikan dilakukan.<\/p>\n\n\n\n<p>Pemindahan telah diselesaikan dan diluluskan oleh sistem bank menggunakan kad debit berasaskan cip milik Emily dan PIN yang disahkan, yang hanya diketahuinya. Log sistem menunjukkan bahawa tiada ralat kemasukan PIN semasa transaksi.<\/p>\n\n\n\n<p>Emily mengakui dalam laporan polisnya bahawa beliau sendiri yang melakukan pemindahan wang kepada pihak ketiga selepas diperdaya untuk mempercayai bahawa beliau sedang bekerjasama dengan seorang pegawai NSRC.<\/p>\n\n\n\n<p>Usaha bank untuk mendapatkan semula dana tersebut gagal kerana wang itu telah dikeluarkan daripada akaun penerima sejurus selepas pemindahan dilakukan.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>KEPUTUSAN<\/strong><\/h5>\n\n\n\n<p>Emily bertanggungjawab terhadap transaksi tersebut kerana beliau sendiri yang melaksanakannya di bank ATM menggunakan kad debit dan PIN yang sah. Transaksi tersebut dilakukan mengikut prosedur pengesahan standard.<\/p>\n\n\n\n<p>Walaupun Emily telah diperdaya oleh penipu, kerugian tersebut berpunca daripada transaksi yang disahkan olehnya sendiri. Pemegang akaun perlu berhati-hati dan mengesahkan permintaan pemindahan dana secara bebas, terutamanya yang datang daripada sumber yang tidak dikenali atau tidak disahkan bagi mengurangkan risiko penipuan.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Emily received a phone call from an individual claiming to represent the National Scam Response Centre (NSRC). The caller alleged that her bank account had been used as a transit account for illegal funds amounting to RM1 million and that an arrest warrant had been issued against her. Fearing immediate legal consequences, Emily complied with [&hellip;]<\/p>","protected":false},"author":4,"featured_media":9941,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26,25],"tags":[],"class_list":["post-9940","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-islamic-banking-payment-systems","category-case-studies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ATM - Unauthorised Withdrawal - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/atm-unauthorised-withdrawal\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ATM - Unauthorised Withdrawal - FMOS\" \/>\n<meta property=\"og:description\" content=\"Emily received a phone call from an individual claiming to represent the National Scam Response Centre (NSRC). 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