Q: Dear Sir/Madam, I need some advice. I had a credit card that I cleared when I learned about the acquisition of the bank by another one. After settling all my dues, I kept the card at home and stopped using it. However, I experienced a fraudulent transaction on my card, amounting to close to 32,000 AED. When I received a message from the bank with an OTP, knowing that I did not initiate the transaction, I immediately called the bank to block the card. They asked me to file a dispute, which I did, and they assured me that the transaction would be stopped since the card was blocked. Unfortunately, two days later, on October 19, 2020, the money was deducted from my account. After the acquisition, the bank advised me to fill out the dispute forms again and file a police report, which I did. I have kept all records from day one until now, which has been almost 2.5 years. However, the bank is now sending me an email about imposing a travel ban and a civil case.

Q: It's a query regarding the fraudulent transactions on my credit card last March 31, 2017. I was having my annual leave in Manila, Philippines (March 10, 2017- March 30, 2017) and Japan (March 30, 2017- April 9, 2017), which I have all the boarding passes and copies of passport pages as a proof. The last time I used my credit card was in NAIA airport, the Philippines, to pay my travel tax for travelling to Japan and this proves that my credit card is in my possession while I was in Japan. But then on March 31, 2017, I received an SMS from Emirates NBD bank that my card has been used for Aramex (AED 174.01), Souq.com (AED 5,581.00) and Sharaf DG (AED 3,717.00) transactions for the total amount of AED 9472.01. I immediately called the bank and asked them to block my credit card on that same day. As soon as I was back in Dubai (April 9, 2017), I called the bank and filed a complaint. I also filed a police case which I also sent to the bank but still, they didn't honour everything and threatening me every time.

س: مرحبًا، في أواخر العام الماضي، تعرضتُ للاحتيال وخسرتُ مبلغًا من حسابي المصرفي عبر الإنترنت بسبب شخص مجهول أجرى معاملة شراء عبر الإنترنت بطريقة ما باستخدام بطاقة الخصم المباشر الخاصة بي. أبلغت البنك فورًا عندما لاحظت النشاط الاحتيالي، وفي الوقت نفسه تمكنتُ من حظر البطاقة واستبدالها. تابعتُ الأمر مع البنك، فتجاهلوا القضية وأخبروني بإبلاغ الشرطة، وهو ما فعلتُه، ولكن دون جدوى، حيث قيل لي إن الطريقة الوحيدة هي تسجيل الدعوى عبر الإنترنت. حتى الآن، لم يُسفر الأمر عن أي نتيجة. هل من أحد هنا يستطيع المساعدة حقًا في المضي قدمًا؟ أشعر أنني فعلتُ كل ما ينبغي، ولكن دون جدوى. لديّ عائلة وأطفال، وهذا مبلغ باهظ بالنسبة لمغترب عادي مثلي. من فضلكم، هل يمكن لأحد أن ينصحني؟

This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.