What to do if your card is LOST MONEY??? - News about real estate, Kiev, Kyiv region. Real Estate In Ukraine

What to do if your card is LOST MONEY??? - News about real estate, Kiev, Kyiv region. Real Estate In UkraineIf the cardholder discovers that his account has become much less money or no left, he, of course, you need to contact the Bank. But the unconditional return to calculate not...Who will return the missing savings?What to do if Bank cards are "lost" money?If the cardholder discovers that his account has become much less money or no left, he, of course, you need to contact the Bank. But unconditional refund can not count. Bank security service will check whether there is a cause for the loss is the fault of the client. I want to stress that the client is "guilty", if during the operation, which resulted in the "affected account" and used a PIN code known only to the cardholder.Thus, if security determines that before the account got hacker or other electronic bully, the Bank may refund the customer his money. But if the transaction took place using a PIN, to prove his innocence to the client is very problematic. Would that be installed in any ATM transaction conducted, and onsite security will find that is installed on the reader or device through which you can spy PIN.So, if the cardholder has noticed that his account was less money, it is best to come to the office that issued the card, and ask for help. Opening the email program, the operator can call the last transaction where such amounts were written off from the account. If the customer, following our advice, stores receipts from ATMs and POS-terminals within 90 days, you can try to identify the cost of the owner of the card and find an unauthorized operation. Of course, the card should immediately be locked, and then contact the Bank with the appropriate application.As told to us in PrivatBank, if the security service determines that the cardholder has not violated the terms of use, we have not passed the card to other persons and provided them with a PIN, he has a chance to get the funds back, but from the Bank. In such proceedings the Ukrainian legislation provides for six months. However, in practice, the problem is solved much faster – in a few months or even a week.It all depends on the Bank and from the customer's credit history: in any case, the Bank is confident in the integrity of the latter, does not want to lose him and go to meet him. In addition, banks generally avoid conflict. Moreover, according to the same law, the customer has the right to go to court, bypassing the Bank. So the issues related to missing money from the account, are resolved quickly and, as they say, "without fanfare".In conclusion – my own experience. I have many years of use of the payroll card as a debit, that is stored on the card account all their savings. Habit to pick up and put in a wallet checks on all transactions have developed and reached automaticity. And yet "punctures" are: I take in the cash balance, and suddenly not count 100-200 UAH.I called the Bank, and reconcile your receipts with transactions recorded by the electronic system, and find where I "lost" the money. One day I got a call the day, time and even an ATM where I withdrew the cash, but a check on this operation I was not. Digging in to the memory, I remembered what was really cashed in this ATM.



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