Travel / Re: Fun Places To Visit This Christmas In Lagos - Photos by HerCuteness(f): 10:13pm On Dec 24, 2018 |
millionboi2: )u can still have money and decide to stay indoor. true that |
Celebrities / Re: Timaya Buys A Maybach And G Wagon For Christmas by HerCuteness(f): 8:13pm On Dec 24, 2018 |
UrbanExotica:
2018 blessing when year is over.
blessing can still happen before the year ends 68 Likes 2 Shares |
Travel / Re: Fun Places To Visit This Christmas In Lagos - Photos by HerCuteness(f): 6:50pm On Dec 24, 2018 |
shebi is if you have money you'll go out 12 Likes |
Celebrities / Re: E-money Buys 2019 Rolls Royce Phantom. Daddy Freeze, Fans React by HerCuteness(f): 6:16pm On Dec 24, 2018 |
Chiefhaywhy:
drink responsibly Hope you had an awesome birthday lol. what can I say thankful to be alive |
Properties / Re: Landlady Gifts Tenant N50k For Christmas Celebration. Excited Tenant Shares Pics by HerCuteness(f): 12:06pm On Dec 23, 2018 |
condomuser:
I will give the first 10 people to to here 50k each. I am dropping by faith |
Family / Re: How Do I Get Jerrycurl by HerCuteness(f): 3:07am On Dec 23, 2018 |
Aww, when me I have natural curly hair |
Celebrities / Re: E-money Buys 2019 Rolls Royce Phantom. Daddy Freeze, Fans React by HerCuteness(f): 3:02am On Dec 23, 2018 |
Chiefhaywhy:
nor have you bought Birthday cake lol I bought minerals 1 Like 1 Share |
Celebrities / Re: E-money Buys 2019 Rolls Royce Phantom. Daddy Freeze, Fans React by HerCuteness(f): 2:24pm On Dec 22, 2018 |
choi and me haven't bought xmas chicken 13 Likes |
Celebrities / Re: Mompha Buys The New Mercedes Benz AMG63 2019 by HerCuteness(f): 2:22pm On Dec 22, 2018 |
congrats |
Family / Re: Nairaland Christmas Giveaway by Twaci (2018 Edition) by HerCuteness(f): 2:12pm On Dec 22, 2018 |
valjoy: Santa please show me love this Christmas....I really really need a vacation asap.. |
Celebrities / Re: Hushpuppi Flaunts New Wrist Watch Worth 400million Naira by HerCuteness(f): 11:55am On Dec 22, 2018 |
lol |
Celebrities / Re: BBNaija's Ifu Ennada Savagely Claps Back At Non-Fan by HerCuteness(f): 11:47am On Dec 22, 2018 |
dude didn't insult her,
yet she replied like an ignoramus 30 Likes 3 Shares |
Romance / Re: My Sister Wants To Arrest Me Because Of 200k, She Is Very Rich(lady Laments) by HerCuteness(f): 10:32am On Dec 22, 2018 |
You used someone's four months salary to enjoy yourself 2 Likes |
Celebrities / Re: Mompha Buys 2019 G-wagon Worth N100 Million (photos) by HerCuteness(f): 10:31am On Dec 22, 2018 |
nice |
Crime / Re: Boy Says God Doesn't Exist, Gives His Life To Satan (photos) by HerCuteness(f): 9:29am On Dec 22, 2018 |
GuyWise101: The guy is confused..
If he said there is no God then there is also no lucifer...
To me there is God and there is satan but God is the most powerful... You're right 3 Likes |
Romance / Re: Pictures Taken Moments Before Tragedy by HerCuteness(f): 9:20am On Dec 22, 2018 |
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Business / Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by HerCuteness(f): 3:58pm On Dec 21, 2018 |
fattbabakay: Disclaimer: This is a true story. Ignore any comic relief that might make it sound like a joke, it's my way of writing such a sad experience without wetting my paper with tears.
It was meant to be a merry Christmas, but right now, I’m on my way to my mother’s village, in a deep forest in Ipetumodu, somewhere in the southwestern part of Nigeria, as I struggle with my loads while manoeuvring the busy Lagos routes in search of the cheapest means of transport.
Guess what? Someone, somewhere, somehow, just used my ATM details to move funds out of my account. Damn!!!
I feel down in the dumps with a sinking feeling. The issue of ATM card fraud is something that has always been on my mind. I actually wanted to blog about it, to give people proper orientation but never had the time.
My spirit warned me to be careful with my ATM card, but my nonchalant attitude finally landed me in the village, about to go join my grandpa in farm, probably would be uprooting cassava since this is harvest season.
You know, at times, I just wonder, this ATM card we carry about is very porous. But I often wave off the thought, I always thought I was thinking too far.
Here is the drill:
- Someone can easily get your ATM card details (card number, expiry date and Security), without asking you, especially at POS outlets.
- Someone with an average IQ level of 110 can easily cram all your ATM Card details within 30 seconds.
- Most times we don’t even pay attention to POS attendants so they have enough time and space to look thoroughly at your ATM card.
- Scammers won’t be able to use the ATM details on local payment processors since they mostly require card pin and OTP (in some cases).
- For some local payment processors, only the card pin is required to authorize transactions. And do you know that the POS attendant can actually figure out your pin by studying the movement of your finger as you input it in the POS machine? Are you always cautious while doing that?
- The big deal is, for international payment processors, most of them do not require pin or OTP. Just plug in any correct ATM card details. As long as there’s enough money in the account, the transaction will be authorized.
And that right there is the scam they pulled on me.
When Tunji, my classmate is primary 3 told me I was stupid, I was angry, I fought him, I didn’t believe. Not until this moment, I realized he was actually right.
With my face like wet weekend, down in the mouth, as I cry over my spilt milk, I feel you all have to be enlightened so you won’t land yourself in this kind of blue situation.
So, let me give you a brief summary of what I feel happened to me:
Probably out of recklessness, I left my ATM card sitting pretty in the hotel room while the cleaner had all the time in the world to write down the details, maybe, maybe not.
Or, out of greed to eat the fresh burger that just got delivered, I gave my ATM card to the POS dude to do whatever with it and leave me the hell alone to the burger. Giving him more than enough time to cram my card details.
Or, maybe it was at the filling station, gave the POS attendant my card as I throw away my face while I nod to the sweet rhythm of Kizz Daniel's album.
Those are the only three possible scenes I can think of. Not too sure how, who, got my card details.
Whichever, the lucky dude got my card details, he was happy, probably dancing zanku at the moment.
[img]https://media./images/ffc25ae84940b926d47e9dbdfbc7ed6f/tenor.gif[/img]
He must be a brilliant dude with some good knowledge of financial technology, he went ahead and plugged my ATM card details on some strange subscription website, Unbounce.com, to be precise.
Since the card has an international limit of $1000, he couldn’t go beyond that, so he was smart enough to do it right.
He picked the least plan ($79) and paid for 12 months, summing up to $948 with my ATM details!!!! My card!!! My money!!!!!!!!!!!!!!!!!!!!!!!!!!!
[img]https://media1./images/47bf1eb18ce20acee451b0513fa228f3/tenor.gif[/img]
I was busy checking Toke Makinwa’s picture on Instagram when the debit alert flew in. I was about to wipe it off my screen for better concentration when I came to my senses like “is that not my life savings in one debit alert”?
Sigh! The die is cast. The worms in my stomach were as silent as the dead, guess they were confused too or they already knew they were going to die of hunger.
Here is the twist: I am sure the scammer does not need the unbounce subscription he used my dear card to pay for. And guess what he’s going to do? R[b]equest a refund[/b]. I am not sure how the platform works and if they will allow him get a refund to a completely different account. I have been trying to get across to their customer care agent but the customer agent dude did not seem to understand properly stated English grammar. I am still waiting for their reply to my mail.
Now, I know you will not cry for me, or cry with me, or give me my money back. I am writing this to show you how life can decide to deal with you if you are careless with your ATM card.
Now, what’s the resolution:
1. Limit the use of POS machines, and be close to the attendant when you do. Pay cash when possible.
2. You can get a separate ATM card for POS transactions. In which you only have limited funds that you can afford to lose without going back to village.
3. Do not leave your ATM card lying carelessly.
4. Do not respond to any text message that says “your ATM is blocked due to BVN… bla bla bla” jargons. They all share similar purpose.
5. Do not give anyone your ATM card or ATM card details.
I think this is a dumb trick and only extreme fools will fall for it. I know I’m foolish too, but not extremely, at least I wouldn’t fall for this.
I hope you learn from this and be as careful as possible. By the time you see this, I’ll probably be in the village already where there’s no internet connection. You can send me prayers and good wishes. I will be back when I make enough money to survive the city life. And who knows, I can become the greatest cassava farmer alive.
But look at the bright side; They say village girls like boys from the city, sounds so much like an advantage that I'm going to take.
Bye!
- Written by Fattkay. Source > https://hustle.ng/how-a-simple-atm-card-fraud-sent-me-back-to-village-fattkay/
Disclaimer: This is a true story. Ignore any comic relief that might make it sound like a joke, it's my way of writing such a sad experience without wetting my paper with tears. eeya sorry...... |
Phones / Re: MTN Shares N30,000 To Arik Passengers, From Abuja To Owerri – Photos by HerCuteness(f): 9:49pm On Dec 20, 2018 |
I want this kinda surprise 1 Like |
Celebrities / Re: Meet Serwaa Amihere, Davido's Rumored Girlfriend From Ghana (Pictures) by HerCuteness(f): 8:30pm On Dec 20, 2018 |
MyVILLAGEpeople: She fine pass chioma..
And she get big yansh and hips.
But she get big nose.. no one is perfect boy 14 Likes |
Celebrities / Re: E-MONEY And His Wife Steps Out With Their New Rolls Royce Phantom by HerCuteness(f): 9:08am On Dec 20, 2018 |
God bless me too |
Celebrities / Re: E-MONEY And His Wife Steps Out With Their New Rolls Royce Phantom by HerCuteness(f): 9:07am On Dec 20, 2018 |
God bless me too |
Romance / Re: "I Bought All These Food Items With Just N2, 500" Nigerian Lady Causes A Stir by HerCuteness(f): 8:50am On Dec 20, 2018 |
someone else on another thread claimed they bought all this for 1,500 2 Likes |
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Celebrities / Re: Bbnaija’s Alex Dancing With The Kupe Boys In Nigeria (Photos) by HerCuteness(f): 11:03pm On Nov 16, 2018 |
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Business / Re: 100k For Any Brilliant Business Idea by HerCuteness(f): 2:12pm On Nov 16, 2018 |
Wikidraw:
But ma'am, this not cake nah? Cake ke check my post. I never mentioned cake |
Business / Re: 100k For Any Brilliant Business Idea by HerCuteness(f): 10:02am On Nov 16, 2018 |
v |
Business / Re: 100k For Any Brilliant Business Idea by HerCuteness(f): 9:12am On Nov 16, 2018 |
vvv 1 Like |
Business / Re: 100k For Any Brilliant Business Idea by HerCuteness(f): 5:35am On Nov 16, 2018 |
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Olushola2017: Arranged vote-buying pix and report by Saharareporters at its worst! |
Jokes Etc / Re: Get 20k If No One Likes Your Comment by HerCuteness(f): 5:41pm On Aug 12, 2018 |
following 3 Likes |