PERLINDUNGAN HUKUM TERHADAP NASABAH KORBAN KEJAHATAN PENGGANDAAN KARTU ATM PADA BANK SWASTA NASIONAL DI DENPASAR

Abstract

Responsibility of the bank to refund customers money that became victims of ATM
card duplication is the bank have responsibility to refund the customer money, so that the
loss of customer funds was caused by his own negligence, then the bank is not have
responsibility to refund losses suffered by customers. Legal efforts taken by the bank to
refund customers money that became victims of ATM card duplication such as :
Clarification of customer complaints by checking the data to determine the customer's
account transactions that cause a reduction in the customer's account balance, then
deliver customer transactions was conducted customer; Checking customer transactions
allegedly clumsy, one of which is checking the CCTV at the cash machine withdrawals
are not recognized by the customer, checking and known whether the transaction is
concluded that the transaction is correct or odd transactions; Returns missing customer
funds, if it is concluded that the clients do not make transactions recorded in the
customer's account, and making a crime report in the ATM card duplication police to do
the investigation against the perpetrators