I don''t actually know where to post this, but since it has to do with money I decided to post it here. But sincerely I need help and advice concerning this issue:

At exactly 11:23 am this morning I received a text on my phone that 1,450 Naira has been debited from my account. Reason, that I made a POINT OF SALE PURCHASE on Konga.com.


When I saw this I was not really bothered and that I would later go to the bank myself to rectify the mistake.



At 11:50am I received another alert of another transaction. This time 2,000 Naira was debited from another POINT OF SALE PURCHASE on pinreload.com.


Then I started getting worried, so I brought out my ATM Card to be sure and sure enough my card was still with me.



At exactly 11:54 am another message came in. 2,000 Naira debited also due to a POS transaction on pinreload.com.



Now I was very,very alarmed so I quickly stopped my business transaction taking place at that moment and jumped on the next bike I could find, my destination, the nearest GT Bank branch so as to block my ATM Card before the thief decided to use my money to buy something pricey.



On my way to the bank, I received another alert. 2,000 Naira on pinreload.com.




Luckily the nearest GT Bank branch was not too far so I got there within two minutes, but the queue was too long so I literally had to force my way into the bank. While I was doing this another alert came in, another 2,000 Naira.


Inside the bank at the Customer Care desk the queue was much longer, so I had to really persuade the guy at the desk to give me express service. In the process another text came in, 2,000 Naira also from pinreload.com. This convinced him and he quickly blocked my ATM Card which I was holding.



After blocking my ATM Card I asked him to help me to trace from where the transaction was taking place but he told me that I should come back for that for that will take some time.




In total 11,450 Naira was deducted from my account.



Then I called GT Connect to see if those transactions could be reversed and was told that it was not possible. She told me that she noticed that I withdrew from an ATM at computer village last friday, that I must be extra careful in places like that.



The problem that I have is that I do not think that I am willing to reactivate my ATM, in fact I am now very much afraid of that little plastic.



And please does anybody know how it is possible for somebody to just get my details and then use it for online transactions. I dont do online transactions and my ATM card is always with me.



Please I need answers fast not only for myself but for the tens of millions of Nigerians who could also be victims.

GTBank's ATM cards are fraudulent. Either their IT staff have duplicate copies of all cards produced and you the holder forgot to change the default PIN or how else could the theives validate their transactions on pinreload? Did you buy on pinreload before?

For someone to use your ATM to make purchase on the internet, he only needs the details on your ATM... you must have left your card lying around for someone close to you to pick it up and use the details...

bigtt76: GTBank's ATM cards are fraudulent. Either their IT staff have duplicate copies of all cards produced and you the holder forgot to change the default PIN or how else could the theives validate their transactions on pinreload? Did you buy on pinreload before?

I have changed my password up to twice, and that was the first I would be hearing about pinreload.

I have never ever used the card for online transactions.

strangest: For someone to use your ATM to make purchase on the internet, he only needs the details on your ATM... you must have left your card lying around for someone close to you to pick it up and use the details...

Trust me I never did that. My ATM cards are always in a hidden place of my bag. I live alone with my wife and my one year old child.

Nobody close to me has access to it.

If customer service advices caution at places like computer village, then its likely your card & pin code were scanned at ATM in that location. In other words, you card was cloned.

@Op i feel sorry for you...i hope that account is not your business account,never used atm card on your business account.that's how i'm handling mine.

dav8id: @Op i feel sorry for you...i hope that account is not your business account,never used atm card on your business account.that's how i'm handling mine.

In fact it was my business account, and now that I have blocked the card I now know that I will never have an ATM for that account.


Just imagine if I had not received any message about the transaction taking place.

I went to the bank this morning, they said that I should fill a Card Dispute Form to see how my money could be returned to me.


I filled it and they said I should check back tomorrow to get feedback.

In total 11,450 Naira was deducted from my account.

If it were monies coming into your account at that rate, would you have rushed to the bank? Sorries.. Joking!!

Sorries for your travails, that little plastic card is the devil's card man.

oya if the money is not returned call your solicitor

If i had brains to pull such stunts, I'd have been designing my bill gates condom by now.

Op,
the only way they would use your card on line is to use the long 16 digit number on the card and trhe CCV written at the back, your PIN IS NOT NEEDED.

ATM cards re so problematic

Since 9yrs ago am yet to xpernce such tins. Thanks to 1st bank
@op, i really feel ur pain, sori bro

GT Bank is prone to dis attack,i hav heard of cyber attacks y is always GT bnk,pls people beware cos thr use VISA y oda bnks use MASTER card.

Your card has been cloned sir!!

strangest: For someone to use your ATM to make purchase on the internet, he only needs the details on your ATM... you must have left your card lying around for someone close to you to pick it up and use the details...

You are very correct. do not only protect your ATM pin, also protect the ATM card.

In Uk when using a Visa card online you have to set up a passowrd and then all online transaction with that card wont go through without the password . Do they do that in Nigeria ?

[b]I am writing based on how ATMs work in the developed world (Europe & North America). Someone only needs to have the details on your ATM card. These are as follows: your name as it appears on the card; issue and expiry dates; the long number (usually 16 digits) across the front of the card; and, the authorisation code (last 3 digits) on the back of the card. With these details transactions can take place online, anywhere in the world, where the card type is accepted.

Having stopped the card, the details of which, apparently, have been compromised, what the bank needs to do is to re-issue you with a new one -typically containing same name, but different card number, issue and expiry dates and authorisation code. What you then need to do is to ensure that the details are not compromised. This include ensuring that you use the cards on website you trust 100%.

In the UK, as is elsewhere in the developed world, customers are insured against unathorised online transactions. This implies that if this incident were to have taken place in the UK, you'll be fully covered and your funds refunded. Of course, if the bank later discovers that you were behind the transactions, you'll be send down at Her Majesty Pleasure! lol.

Best wishes! [/b]

PINRELOAD.COM is an online portal for buying recharge card. The person don use your money well well. Probably Konga was a test run.

First, be careful the kind of sites you use your card on.
Also, GTBank has such issues with cloning of their atm cards. Be careful the location of atms you use.

Gennyz: GT Bank is prone to dis attack,i hav heard of cyber attacks y is always GT bnk,pls people beware cos thr use VISA y oda bnks use MASTER card.

They use Mastercard. I prefer my visa card for online transactions cos even if the person has your physical card, the person needs your online password.