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How Possible Could They Have Wiped Out My Gtb Account Without Pin? - Business - Nairaland

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How Possible Could They Have Wiped Out My Gtb Account Without Pin? by amstamon: 11:13pm On Jan 05, 2019
Hello folks. Please I really need your input on this matter because I'm kinda confused on the whole issues going on.
My phone was stolen at a friend's event on friday, before Monday my gtb account had been wiped.
Please note they I've never applied for any atm on this account, I've never done any withdrawal, online banking, 737 stuff, etc. I only make deposits through transfer from my other bank(strictly savings).
What I don't understand is that the bank is blaming me for not blocking the line as soon as the phone got missing. According to the bank statement, some transfer was made to some an account, and airtime of 100k was bought on different phone numbers.
But my question is how did they get to sign up for whatever means that was used to do these transfers without contacting gtb(since you cannot sign-up on any activities without going to the bank)
Please guys I need your advice because I'm actually thinking of making a legal case against them
Thanks
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by Dami12345: 11:16pm On Jan 05, 2019
Push to first page.
Lalastica
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by wami7470: 11:23pm On Jan 05, 2019
Let me think...

Well the can only use ussd code, since you said there is no internet banking app in the phone or Debit card.

But in order to use that ussd code some details are required like account number, etc

And you said there is non of your accounts details in that phone


Then write to EFCC, ICPC and CBN.... I remember there was a case like that in naira
Land some time last year.

By the way check my signature.
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by wami7470: 11:24pm On Jan 05, 2019
Dami12345:
Push to first page. Lalastica

Ummmm. Identify theft.
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by SilentVboy: 11:34pm On Jan 05, 2019
@op, its possible. As far as its the same phone number (unless if its not) that is connected to your acct, money can be transfered.

You do not need to register with 737. Since the number is connected to your acct, it can be used to recharge your line and transfer money.

When I started using 737 to recharge my line and send money, I never had a pin. So it means anyone could use my phone number to make transfers.

So when I realised that, I quickly applied for use of PIN before any transaction.

So in your case, u have no ATM card and no pin. So the person simply had a free way to your acct.
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by amstamon: 11:34pm On Jan 05, 2019
wami7470:
Let me think...

Well the can only use ussd code, since you said there is no internet banking app in the phone or Debit card.

But in order to use that ussd code some details are required like account number, etc

And you said there is non of your accounts details in that phone


Then write to EFCC, ICPC and CBN.... I remember there was a case like that in naira
Land some time last year.

By the way check my signature.
Bro, I don't have any bank details on my phone and I've never made any form of withdrawal before.
I'm just confused and frustrated
Pls I seriously need an advice on what to do
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by amstamon: 11:37pm On Jan 05, 2019
SilentVboy:
@op, its possible. As far as its the same phone number (unless if its not) that is connected to your acct, money can be transfered.

You do not need to register with 737. Since the number is connected to your acct, it can be used to recharge your line and transfer money.

When I started using 737 to recharge my line and send money, I never had a pin. So it means anyone could use my phone number to make transfers.

So when I realised that, I quickly applied for use of PIN before any transaction.

So in your case, u have no ATM card and no pin. So the person simply had a free way to your acct.
Can I sue the bank? Because it's simply not my fault base on your explanations..
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by LuciferKristi: 11:37pm On Jan 05, 2019
USSD prompts were most likely used & information could easily be gotten from:

*Saving your bank details in your contacts list
*Your previous messages from your bank can provide clues

Since its the same number you registered your account with, its pretty straightforward.


Those two things listed above are not even needed.
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by amstamon: 11:38pm On Jan 05, 2019
SilentVboy:
@op, its possible. As far as its the same phone number (unless if its not) that is connected to your acct, money can be transfered.

You do not need to register with 737. Since the number is connected to your acct, it can be used to recharge your line and transfer money.

When I started using 737 to recharge my line and send money, I never had a pin. So it means anyone could use my phone number to make transfers..

So when I realised that, I quickly applied for use of PIN before any transaction.

So in your case, u have no ATM card and no pin. So the person simply had a free way to your acct.
Can I sue the bank? Because it's simply not my fault base on your explanations..
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by dottozil: 11:40pm On Jan 05, 2019
Sorry sir, if they stole ur phone that means they must have gotten access to ur BVN, either by dial code to get it or by searching ur contacts if it was stored. Unless is not the sim you used in registering your BVN.
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by franchasng: 11:40pm On Jan 05, 2019
SilentVboy:
@op, its possible. As far as its the same phone number (unless if its not) that is connected to your acct, money can be transfered.

You do not need to register with 737. Since the number is connected to your acct, it can be used to recharge your line and transfer money.

When I started using 737 to recharge my line and send money, I never had a pin. So it means anyone could use my phone number to make transfers.

So when I realised that, I quickly applied for use of PIN before any transaction.

So in your case, u have no ATM card and no pin. So the person simply had a free way to your acct.
If Adolf Hitler knew, he would have focused his good effort on wiping out the entire black race and Arab nations from the face of earth, believe me, if Hitler had embarked on that great mission, other white leaders like Stalingrad, Churchill, Roosevelt and co would have joined effort with him to achieve that, and the world would have been a safer place for reasonable white people + Chinese and Asians who are more valuable to the world development and growth.

Blacks and Arabs are the curse of the world, without them, the world would have been peaceful and sweet for other races undecided

Just visit any social gathering of black Africans or Arabs online or offline, its always bad news of either killings, robbery attacks, ritual, juju, religious extremism and terrorism, outbreak of sickness/disease, unemployment rise, civil war, political tension and agitation for control of national politics, and then sex, party, women, alcohol, drugs, gambling, nothing else cry

The only thing black Africans and Arabs are good at is:

- Sex
- Party
- Alcohol
- Drugs
- Religious extremism
- Robbery
- Killing their fellow blacks out of tribalism & religious extremism

They have never contributed any meaningful thing to global development in terms new valuable technology invention to make the world a safer, prosperous place for humans.

They are only good in destruction of the great things the white race created, black race and Arabs are a disgrace to human race, white people are so kind not to have wiped blacks and Arabs out of planet earth, very easy for them to achieve using chemical and nuclear weapons, can blacks with their dumb brain defend themselves without calling for white people to sell them weapon, disgusting races angry angry

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Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by NOC1(m): 11:41pm On Jan 05, 2019
Take a legal action GTBank will pay for your damages and your money.
First tell your bank that you are taking a legal action, because they are seeing you as much.
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by dottozil: 11:44pm On Jan 05, 2019
SilentVboy:
@op, its possible. As far as its the same phone number (unless if its not) that is connected to your acct, money can be transfered.

You do not need to register with 737. Since the number is connected to your acct, it can be used to recharge your line and transfer money.

When I started using 737 to recharge my line and send money, I never had a pin. So it means anyone could use my phone number to make transfers.

So when I realised that, I quickly applied for use of PIN before any transaction.

So in your case, u have no ATM card and no pin. So the person simply had a free way to your acct.

Unless this is for gtb, I believe u still have to register before u can use code, though the registration can be done on ur phone
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by dottozil: 11:46pm On Jan 05, 2019
dottozil:
Sorry sir, if they stole ur phone that means they must have gotten access to ur BVN, either by dialing code to get it or by searching ur contacts if it was stored. Unless is not the sim you used in registering your BVN.
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by SilentVboy: 11:55pm On Jan 05, 2019
amstamon:

Can I sue the bank? Because it's simply not my fault base on your explanations..
Sue the bank? NO . Based on my explanation, it was wayback when the 737 started and many complained about it back then even on their FB page.

Thereafter GTB made provision for use of PIN. So you cannot sue them because they will take into cognizance the time period it happened and blame u for not taking steps to secure your account.

But you can go and get a police report and make the bank lock down or freeze the persons acct and from there you follow up.

Just go to the bank and get some ideas from them.

Sorry for the prob @op
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by Abramgreen: 11:56pm On Jan 05, 2019
Please,get a good lawyer on this.
The bank has record it will provide EFCC of where or who got your money.
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by spidey77: 12:14am On Jan 06, 2019
Go to the bank and CAUSE TROUBLE
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by bold44: 4:12am On Jan 06, 2019
Bri
Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by bigiyaro(m): 8:10am On Jan 06, 2019
op, the good news of e-banking is that every transaction leaves a nice trace, nicely pointing to the thief. the lines that were recharged are trackable and by law must be registered with authentic IDs. The account that your money was transferred to is very much traceable with IDs and BVN. However, can you get the police to do this work? can you force the telecom coy to cooperate? or GTB to reveal the criminal account details? this is the bad news.

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Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by benebaby77: 8:16am On Jan 06, 2019
franchasng:
If Adolf Hitler knew, he would have focused his good effort on wiping out the entire black race and Arab nations from the face of earth, believe me, if Hitler had embarked on that great mission, other white leaders like Stalingrad, Churchill, Roosevelt and co would have joined effort with him to achieve that, and the world would have been a safer place for reasonable white people + Chinese and Asians who are more valuable to the world development and growth.

Blacks and Arabs are the curse of the world, without them, the world would have been peaceful and sweet for other races undecided

Just visit any social gathering of black Africans or Arabs online or offline, its always bad news of either killings, robbery attacks, ritual, juju, religious extremism and terrorism, outbreak of sickness/disease, unemployment rise, civil war, political tension and agitation for control of national politics, and then sex, party, women, alcohol, drugs, gambling, nothing else cry

The only thing black Africans and Arabs are good at is:

- Sex
- Party
- Alcohol
- Drugs
- Religious extremism
- Robbery
- Killing their fellow blacks out of tribalism & religious extremism

They have never contributed any meaningful thing to global development in terms new valuable technology invention to make the world a safer, prosperous place for humans.

They are only good in destruction of the great things the white race created, black race and Arabs are a disgrace to human race, white people are so kind not to have wiped blacks and Arabs out of planet earth, very easy for them to achieve using chemical and nuclear weapons, can blacks with their dumb brain defend themselves without calling for white people to sell them weapon, disgusting races angry angry

This sounds like derailing as it is completely off topic.... Someone was concerned about his money being wiped out in his account and you were suggesting that blacks and Arabs be wiped out. It shall be well with you.

Try to read about ancient civilization especially that of Egypt, Maya, Mesopotania, Babylon etc and you will have a change of mind about this pieces you wrote or pasted here....

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Re: How Possible Could They Have Wiped Out My Gtb Account Without Pin? by fergieboy: 9:16am On Jan 06, 2019
Off course the bank are right.. You never reported immediately

Next time if something like this happen

Use another SIM card to call your bank or your network provider immediatly instructing them to block your sim/account that your phone was stolen..

They will ask you a few questions to make sure it's your account.

What the scammer did is they got your bvn activate 737 and voila account empty

Don't bother sueing the bank. It's a lost case and you will be spending more money
But you can attack the account, where the money was transferred to,

1 Like

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