Tanggung Gugat PT Maybank Indonesia Terhadap kerugian Nasabah Dalam Penggunaan Jasa Penyimpanan Dana

Abstract

Winda Lunardi, an e-Sport athlete and her mother, Floleta Lizzy, have a problem with losing a savings balance of IDR 20,000,000,000 (20 billion) which has been recorded in two savings accounts at PT Maybank Indonesia, the account contains IDR 15,000,000,000 (15 billion) Winda's and an account containing Rp 5,000,000,000 (5 billion) belonging to her mother named Floleta Lizzy and both accounts were exhausted and there were only Rp 600,000 in Winda's account and Rp 17,000,000 in her mother's account. Winda is suspected of having obtained a fake checking account and the head of Maybank's Cipulir branch offered the lure with a certain amount of profit through a 10 percent term savings scheme to open a futures account and the head of Maybank used Winda's data to misuse the money from the account. The money obtained by the head of the Maybank Cipulir branch from Winda is used to be replayed in order to invest in its activities. The purpose of this paper is to understand and examine the form of PT Maybank Indonesia's liability for customer losses in the use of fund storage services. The type of research used by the author is Juridical Normative. Then the method used is the method of deduction approach. The result of this research is that Maybank is obliged to be responsible by providing compensation to Winda as a customer who was harmed by the actions of one of Maybank's bank employees.