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Stats: 1258864 members, 1699142 topics. Date: Thursday, 23 October 2014 at 03:26 PM

Illegal Third Party Withdrawal From My Account - Business (1) - Nairaland

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N65 Charge On Third-party ATM Withdrawals Takes Effect Today / Cashing Of Third-party Cheques Above N150,000 Stops Today / GTB Freezes My Account For False Loan (1) (2) (3) (4)

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Re: Illegal Third Party Withdrawal From My Account by mikedore: 5:03pm On Mar 26, 2013
tank ur God u had alerts.
Re: Illegal Third Party Withdrawal From My Account by Reptyle(m): 5:06pm On Mar 26, 2013
virtuoso01: 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.

Na wah o!

You need to be very careful where you use your ATM cards and what websites you enter your details into. Also, you need to have GTbank helpline and probably your account officer's phone number saved on speed dial on your phone. You can easily block your ATM and even stop a cheque with a single phone call.

Pele smiley

1 Like

Re: Illegal Third Party Withdrawal From My Account by IleIfe2(m): 5:14pm On Mar 26, 2013
What kind of card does GTB use, does it have a micro-chip? the micro-chip cards are harder or impossible to clone




Magnetic stripe cards are outdated, but i think the two technologies are used together now.

Re: Illegal Third Party Withdrawal From My Account by onegig(m): 5:27pm On Mar 26, 2013
Guys...Stop talking about card cloning. You can not clone cards with chip. You can only clone magnetic strip cards which have been faced out.

@op

Somebody had your details. It is impossible to make transactions on such site without this 4 crtical details.
1. Your card number
2. Your pin
3 Your ccv number
4.Card expiry


So someone somewhere has all these info i beleive

1 Like

Re: Illegal Third Party Withdrawal From My Account by fittty(m): 5:37pm On Mar 26, 2013
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...


#GBAM!!!!

1 Like

Re: Illegal Third Party Withdrawal From My Account by Genius100: 5:37pm On Mar 26, 2013
Doesn't GTB have a number to call to stop the transactions. Why did you have to go all the way to the bank? What if it happened in the middle of the night?
Re: Illegal Third Party Withdrawal From My Account by scobaba: 5:44pm On Mar 26, 2013
Ile-Ife:
What kind of card does GTB use, does it have a micro-chip? the micro-chip cards are harder or impossible to clone




Magnetic stripe cards are outdated, but i think the two technologies are used together now.

.

Ile-ife and one gig....u guys are right.
If GTB uses a chip based card, it can't be cloned or rather such transactions can't take place.
I don't want to believe GTB still uses magnetic stripe where such cloning was possible, cos CBN hotlisted(cancelled) all magnetic stripe cards on SEPT 30th 2009.

1.Are you really sure its your account, did you check your balance @ the branch?
2.Are u really sure you did not try buying anything online?

Pally, the last time we heard such complaint was in 2009.....check yourself.
Re: Illegal Third Party Withdrawal From My Account by whoelse(m): 5:54pm On Mar 26, 2013
See if you can contact then persuade the admin of PINRELOAD.com to get you the phone no. that was recharged at that time.

Who knows, it could be someone close to you.

2 Likes

Re: Illegal Third Party Withdrawal From My Account by ultraGM: 6:03pm On Mar 26, 2013
The Story is pathetic, but am 50% sure that you must have gave out your Card details out unknowingly (maybe in dream LOL)
Joke apart the fault lies with you but nevertheless, there is possibilities that the bad guy can still be arrested, IF GTbank Take it seriously.

GTBank can trace the Transaction log on pinreload.com and Konga.com and get the bad_guy.

Even i will advice you to follow up the case yourself even if GTB is working on the case (or not).
Contact the both website and report to them, make sure you have legal backup (Police or Lawyer) to stand for you.
You will also need the Transaction reference of those Withdrawals, if you don't have them ask GTB to give you your Transaction details for this month, with that you can trace the Transaction reference.

I will also advice you to register for Internet banking if anything related to this occur you can trace it on your own side.

But remember contact pinreload.com and Konga.com and report the case, and they will as you of those Transaction reference.
The best i can assure of this case is that you may not get your money back unless the bad_guy was caught

Regards
 
Re: Illegal Third Party Withdrawal From My Account by milkymesh: 6:31pm On Mar 26, 2013
i alway people to keep their card the way they keep the key to their safe. My advice to you is:
1. The card was probably used to purchase airtime. The bank can provide you with that. Take it up from there. The police, efcc & the telecom service provider can help unmask the identity of the criminal.
2. Don't take any action against the bank you are most likely to lose. Reason ur card's onions or ccv no, expiry date & pin etc were used. Over the air or card not present transaction will require at least two of the above. These info are only known to you. That is the assumption. Its left for to prove the compromise of these is not from you but the bank. Very difficult if you ask me.
3. Forget it and move on, but learn from the experience.
The chioce is yours
Re: Illegal Third Party Withdrawal From My Account by lovejo(m): 6:47pm On Mar 26, 2013
Poster: If you have access to online account you can see that your account is debited but the money has not been transfer to 3rd party, it takes 24 hrs before GTB transfer debit card payment transaction to 3rd party. Be rest assure your payment will be reverse because all the banks hate negative publicity.
Re: Illegal Third Party Withdrawal From My Account by saxywale(m): 7:02pm On Mar 26, 2013
cloning finally in Nigeria. It's funny that 90% of ATM's in Nigeria have the popular green coloured russian made skimmers. Skimmers are devices with pin hole camera that scans your card details and records your password when entering it on the machine .

Then again, we can't really trust some bank workers. One of my dad's tenant is a retired banker in Nigeria, over 25 years work experience in one of the old generation banks. The madam advised me against depositing large sums of money in any account with debit card. Her reason was that a lot of bank workers in Nigeria are fraudulent. I believe its not only in Nigeria though, one of my colleagues was once escorted by police out of the office in the UK for selling private banking account details to fraudsters.

The last picture is how a proper ATM without skimmer should look like.

Re: Illegal Third Party Withdrawal From My Account by otokx(m): 7:03pm On Mar 26, 2013
suspect poster is a victim of social engineering and not necessarily card cloning.
 
Re: Illegal Third Party Withdrawal From My Account by otokx(m): 7:05pm On Mar 26, 2013
saxywale: cloning finally in Nigeria. It's funny that 90% of ATM's in Nigeria have skimmers. A green like device with pin hole camera that scans your card details and records your password when entering it on the machine .
my dear the trick used is to use 1 hand to cover the other hand while keying your pin.
Re: Illegal Third Party Withdrawal From My Account by bily(m): 7:23pm On Mar 26, 2013
Genius100: Doesn't GTB have a number to call to stop the transactions. Why did you have to go all the way to the bank? What if it happened in the middle of the night?


I am surprised he went all the way to the bank to block his card, after which he said he now called gtconnect to reverse the transaction... when he could have just called gtconnect to block the card! well maybe na tension hold the guy... sorry for your loss, may be someone close to you got your card details.
Re: Illegal Third Party Withdrawal From My Account by Winneygirl(f): 7:38pm On Mar 26, 2013
Dis is not perculiar to one bank.

Pls pple be alert. Cases like dis are on d increase.

Activate transaction alerts service.
Know your customer care number.
Know your account officers number.

Above all, keep Ur card secret. It is not an ID card. Many of these fraudulent transactions are not as a result of your pin being compromised. It's cos of card details being compromised.
 
Re: Illegal Third Party Withdrawal From My Account by Abrantie: 8:10pm On Mar 26, 2013
ATM and credit cards can be cloned and I will not share any technical details on this topic.

Edit: looks like some loud mouth has already began that.
Re: Illegal Third Party Withdrawal From My Account by fonzie2u: 8:34pm On Mar 26, 2013
Since d bank staff claimed it was via atm u can knw who withdrew d money,for every atm withdrawal u make d computer snaps n sends ur pix over d server.d bank must definitely have a pix of d culprit.give dem d transaction details and let their IT work on it.if they say its nt possible then its an insider job.
Re: Illegal Third Party Withdrawal From My Account by Babaelemu: 8:36pm On Mar 26, 2013
Okija_juju:

Not always true..
the solution is simply open internet banking and/or rather consult your bank to disable verified by visa/master card. Doing so your card won't be used for online purchases. You only need a click doing so on internet banking!
Re: Illegal Third Party Withdrawal From My Account by Babaelemu: 8:41pm On Mar 26, 2013
Abrantie: ATM and credit cards can be cloned and I will not share any technical details on this topic.

Edit: looks like some loud mouth has already began that.
yeah credit card "ike" boys are doing card reprint here in south africa. They needed to confirm your card number and cvv2 from a bank merchant with just a phone call. If it through they have the contact for reprint. Very easy as ABC
 
Re: Illegal Third Party Withdrawal From My Account by touchmeder: 8:49pm On Mar 26, 2013
whoelse:
See if you can contact then persuade the admin of PINRELOAD.com to get you the phone no. that was recharged at that time.

Who knows, it could be someone close to you.

In an ideal and developed world, these are the sort of investigations the bank is supposed to make on the customer's behalf. Usually when such cases are reported by customer, a fraud investigation will be opened where customer will be asked all sorts of questions relating to the suspicious transactions. The money spent will be credited back to customer's account pending the outcome of the investigation. If the outcome is successful the money remains with customer (while bank will pursue fraudster) and if customer is found complicit or at fault that money comes out of his account. It is a well known fact that identical amounts going out to the same company in quick sucessions are usually red flags and a good bank system will block such transactions until you call and authorise them to release the funds.
We still have a long way to go in Naija...
Re: Illegal Third Party Withdrawal From My Account by Themaingate: 9:01pm On Mar 26, 2013
Guy this thing is very easy na . Try to remember if you ever use the atm card on a weekend and who actually use it before you . Some guys I lagos goes about on weekend with instruments and they plug it to atm machine and once anybody use the atm within 1hour of such ,then they will have all your details . They do it on weekend because banks lack security such period . I have seen it happen live along ogba - omole here in lagos

Next time be wise and don't insert ur atm card I any atm machine you just see . Security belong to us all
Re: Illegal Third Party Withdrawal From My Account by lastmanstandn: 9:08pm On Mar 26, 2013
U CARD WAS CLONED. DO NOT USE UR CARD IN SUCH PLACES. ALSO, ALWAYS BE VIGILANT WITH THE KIND OF MACHINES U USE...BANK MACHINES ARE WAY BETTER THAN JUST MOBILE ATM MACHINES AT FAST FOODS, BUSTOPS ETC
Re: Illegal Third Party Withdrawal From My Account by bukkie112(f): 9:15pm On Mar 26, 2013
hey yah sorry for your lost... but for all these fraudsters all they need is a card reader or a keylogger which is mostly connected to an Atm machine that is not within the bank premises or pos that have unfamiliar devices connected to it and also any website that is not verified by visa or mastercard you should not even try to put your 16 digit no. and ccv no, they dont even need your password to have access to your card and account. So for prevention sake not just becos of the poster but for others, in order for us not to fall victim of this fraudster.
Never use an ATM machine that is not within the bank premises
Never use your card on a website that is not verified by all this card company.
dont use a pos in an unfamiliar places or a pos that have funny device connected to it and dont ever give out your 16 digit no. (which is your card pan) and ccv no. (the no. at back of your card)to anyone cos that is all they need to penetrate your account(they dont even need ur password). If it happen that the fraudster is a bank worker and they were able to find out... the bank wld be liable for it.
And finally the fraudster are very rampant lately, so becareful nairalander it could happen to anybdy.
 
Re: Illegal Third Party Withdrawal From My Account by abhosts(m): 9:54pm On Mar 26, 2013
To buy with your Card on Nigerian Sites, the Card Number, PIN, Expiry date and 3 digit number behind your Card are Required. It is very likely this was done by someone very close to you. Someone that has accompanied you to the ATM machine to take a peep at you while you type your PIN.
Re: Illegal Third Party Withdrawal From My Account by andyanders: 10:07pm On Mar 26, 2013
An insider must be involved who sources info through the database. Before your card is been compromised, most banker officials steal most customers info for purposes like this.
Re: Illegal Third Party Withdrawal From My Account by Babzilla: 11:08pm On Mar 26, 2013
virtuoso01: 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.
& THEY WILL KEEP TELLING U 2 COME BACK 2MORROW. IF U WANT UR MONEY U HAVE TO TURN PSYCHO ON THEM. CREATE A SCENE
ON THAT DAY MAKE SURE U DONT
TAKE A BATH
WEAR RUMPLED CLOTHES-SLEEP IN UR CLOTHES IF POSSIBLE
DONT BRUSH UR TEETH- SO UR BREATH IS FOUL; THEY WONT WANT TO SPEAK 4 LONG COS OF THE STENCH* EAT LOTS OF GARLIC PRIOR TO THE VISIT
WEAR A PAIR OF FCKED UP FLIP FLOPS (BATHROOM SLIPPERS)
THEN ONCE U ENTER THE BANKING HALL, RUDELY DEMAND 4 UR MONEY IF THEY SAY COME TOMORROW, START BELLOWING AND ACTING CRAZY
REMEMBER BE VERY VERY RUDE; NO GOOD MORNING NO NICETIES. IF THEY GREET DONT ANSWER
IF POSSIBLE HOOK UP WITH A FEW AGGRIEVED CUSTOMERS AND START A MINI REVOLUTION SCREAMING AND ISSUING THREATS.

I GUARANTEE U UR MONEY WILL BE REFUNDED WITHIN 12 HRS


ALTERNATIVELY U CAN GET SOME ANIMAL SKINS AND CHALK AND DRESS LIKE A BABALAWO
CARRY A WHITE CHICKEN IN UR RIGHT HAND AND A COW HORN IN UR LEFT THEN MARCH IN2 THE BANKING HALL-BAREFOOT
RUDELY DEMAND 4 UR MONEY.

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