<![CDATA[Banks play a significant role in the economic growth of a country, and in its activities, banks are in direneed of deposit funds from their customers. In this regard, banks are required to guarantee the security ofcustomer funds deposited with banks. As an ef ort to protect consumers/customers, Law no. 8 of 1999concerning Consumer Protection and Law no. 10 of 1998 concerning Banking. However, in reality thereare still many modes of crime in the financial services sector. Many phenomena occur between banks andcustomers, one of which is debit card theft and PIN ownership. This causes the customer's balance to belost in the amount of IDR 128 million rupiah. The problem that will be discussed is how the bank isresponsible for the loss of customers and how the legal settlement will be. This research is to understandthe form of bank responsibility and find out what customers should do if they feel aggrieved, as well aswhat legal steps the customer can take. This study uses normative legal research methods using books andwebsites, as well as interviews as supporting data. The results show that the customer must report theproblem to the bank concerned clarify the truth. When the bank cannot help with the complaint, thecustomer can make a report to the Financial Services Authority (OJK). OJK will facilitate customercomplaints, which if there is an error on the part of the bank, the bank must be responsible, but if the bankcan prove his innocence, then the loss is borne by the customer himself due to negligence/error. If afterfurther examination there is a criminal element, the perpetrator may be subject to criminal sanctions.]]>
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