TheABOMINATION:
Majority of Nigerians are as foolish as the op, their smartphone happens to be their personal computer, which they use to access their bank accounts, cryptocurrency exchange, PayPal, Skrill and other ewallet.

Despite knowing that if their smartphone is stolen, or they are caught by authorized or unauthorized criminals, they will lose all their money, they will still carry their smartphone with them as they move around in public.

I am guilty of this. I have to heed to warnings. Thank you.

Silentmoni:
So on Thursday 3rd of march 2022, I came down from the Keke I had entered and realized my phone was missing, I quickly rushed back to the Keke to search but couldn't find my phon. I asked the driver who told me he didn't see it either and other passengers had left.

So another Keke driver who was there assisted me with his phone to call my line, it rang without response @ first I taught I forgot it where I was coming from until I got home and called but was told it wasn't there then I realized I was either pick pocketed or the phone fell off from my pocket in the Keke.

I felt reluctant to call my bank to block my account because I felt my sim was secured because I had the sim and phone lock activated. So to me there's no how my account can be accessed using my sim because of the sim lock but I was wrong.

I was intending to go retrieve my line on Monday but on Sunday I decided to access my email using another phone only to find out my account has been cleared without leaving a single dime.

I called Access bank customer service who confirmed my fears.....I asked them if I can have details of the account the monies were transferred to they told me it's not traceable as the transaction was a cardless withdrawal using POS....I don't understand how possible it is for the transaction not to be traceable, how cardless transaction can be initiated without pin or otp,is it possible for sim lock to be bypassed......I am still confused.

Please what could have happened in this case and how can I go about it?

These heartless people are getting smarter​ everyday. When my sister lost her phone some weeks back, the thief didn't switched off the phone immediately. He stole the phone on Saturday morning till Saturday night the phone number was still going until the thief finally discarded the sim that Saturday night. What I deduced from that unfortunate incident is that when a phone is stolen, they don't switch it off immediately unlike before because they know that people now password their phone and sim cards. So they try as much as possible to wait for any incoming credit or debit alert in order to gain access into the owner's bank account. The truth of the matter is nobody can unlock a sim card with code. Somebody said here that the thief might call customer care and asked for the puk, that's not possible because the phone stolen that was locked and the sim card locked, how will the thief knows the phone number? So an insider did this job probably where u were coming from. Now back to a locked phone, when we lock our phone with password, security has two steps. The first step is that you will be able to read incoming messages while the phone is locked or you won't be able to read any messages at all, I guess maybe you used the first type of security. If you use the first type of security, the thief might access your incoming messages while the phone is in lock mode

Seaseason07:

And you believe that stupid lies? You no get sense? Too many walking senseless being around. He boosted what to 6 million? Even if e dey carry 2 odds, he go surely still loss. A bet 9ja account was hacked and he continue to use it placs a bet? You get sense at all or you're just stupid to believe any lies?

Bro, I shock too. What a stupid lie

Sorry KO... Make I lost my sim... Ma only 40naira dei inside
Life hard poo
Infact... My sim for transaction no dei folo me leave house

Thief Thief everywhere.

Ifakiland:

Una go just dey post useless imaginary fake story....which one be careless withdrawal, we be like mumu for your eyes

Esthered:

Uncle, this is 2022 o! There's careless withdrawal.

Careless or Cardless because I'm now confused

seunaj:
I think that Access Bank security is so porous. I had a similar experience when I lost my wallet last November. I had a GTB, Firstbank and Access Bank atm cards in the wallet, I tried to block the cards on my mobile apps but my Access Bank account was eventually hacked. I was told that my card was used to buy books online. I wonder while a fraudster will want to read book but I guess that was the only way he could bypass Access Bank security. In my opinion, POS & mobile code capabilities should be regulated as a matter of urgency. Alot of fraudulent transactions can be carried out on POS, and it looks so easy with the way it's rampant.
Sorry for your loss bro.

One trick I came up with is scratching off the CCV code at the back of all my ATM Cards, so I just memorised the one I use frequently.

Then we should try to distribute our money across our various bank accounts, make one of them the master where you are certain that your money is safe and don't get an ATM Card for it.

I didn't bother reading the post. Access Bank again. Very anyhow bank. They cleared my account many years ago.

Silentmoni:
So on Thursday 3rd of march 2022, I came down from the Keke I had entered and realized my phone was missing, I quickly rushed back to the Keke to search but couldn't find my phon. I asked the driver who told me he didn't see it either and other passengers had left.

So another Keke driver who was there assisted me with his phone to call my line, it rang without response @ first I taught I forgot it where I was coming from until I got home and called but was told it wasn't there then I realized I was either pick pocketed or the phone fell off from my pocket in the Keke.

I felt reluctant to call my bank to block my account because I felt my sim was secured because I had the sim and phone lock activated. So to me there's no how my account can be accessed using my sim because of the sim lock but I was wrong.

I was intending to go retrieve my line on Monday but on Sunday I decided to access my email using another phone only to find out my account has been cleared without leaving a single dime.

I called Access bank customer service who confirmed my fears.....I asked them if I can have details of the account the monies were transferred to they told me it's not traceable as the transaction was a cardless withdrawal using POS....I don't understand how possible it is for the transaction not to be traceable, how cardless transaction can be initiated without pin or otp,is it possible for sim lock to be bypassed......I am still confused.

Please what could have happened in this case and how can I go about it?

I
told peeps here till today uba wasn't able to explain to me how #321,000 got missing in my account and they keep telling me that the unauthorized withdrawal is still under investigation. Though I have my reasons why I still let it slid and my lawyer can not do anything until am read. Get a lawyer if the money what it or go to CBN webs you will find help there if your account details has not being compromised

Do you have face unlock active on your device

Pos has codes..... It can be traced, moreover if phone has security and your sim has sim lock, I do not believe someone bypassed the 2 without knowing any of the codes.

Also most times people unlock their phones inside keke or bus without knowing that the next passenger actually saw the code u typed.

Everyone has to be careful inside a public bus or keke.

Silentmoni:
So on Thursday 3rd of march 2022, I came down from the Keke I had entered and realized my phone was missing, I quickly rushed back to the Keke to search but couldn't find my phon. I asked the driver who told me he didn't see it either and other passengers had left.

So another Keke driver who was there assisted me with his phone to call my line, it rang without response @ first I taught I forgot it where I was coming from until I got home and called but was told it wasn't there then I realized I was either pick pocketed or the phone fell off from my pocket in the Keke.

I felt reluctant to call my bank to block my account because I felt my sim was secured because I had the sim and phone lock activated. So to me there's no how my account can be accessed using my sim because of the sim lock but I was wrong.

I was intending to go retrieve my line on Monday but on Sunday I decided to access my email using another phone only to find out my account has been cleared without leaving a single dime.

I called Access bank customer service who confirmed my fears.....I asked them if I can have details of the account the monies were transferred to they told me it's not traceable as the transaction was a cardless withdrawal using POS....I don't understand how possible it is for the transaction not to be traceable, how cardless transaction can be initiated without pin or otp,is it possible for sim lock to be bypassed......I am still confused.

Please what could have happened in this case and how can I go about it?

You made two mistakes and one of the two could have prevented your money from being stolen.
One: you could have called the customer care that day which you later did when you realised that your money was gone in your account.
Two: you could have called your network provider immediately using another persons phone to block your line. That was what I did for my friend immediately he lost his phone. In fact, network was bad that day, they could not do it online, we had to go to their nearest office. And we went back to reopen the line that same day when the phone was returned by the person who found it after he initially refused to return it

kelechi50:
Keeping money in the bank now is at owners risk,if banks can't track this type of fraud then what is the essences of putting your money in the bank.

it is true

Silentmoni:
So on Thursday 3rd of march 2022, I came down from the Keke I had entered and realized my phone was missing, I quickly rushed back to the Keke to search but couldn't find my phon. I asked the driver who told me he didn't see it either and other passengers had left.

So another Keke driver who was there assisted me with his phone to call my line, it rang without response @ first I taught I forgot it where I was coming from until I got home and called but was told it wasn't there then I realized I was either pick pocketed or the phone fell off from my pocket in the Keke.

I felt reluctant to call my bank to block my account because I felt my sim was secured because I had the sim and phone lock activated. So to me there's no how my account can be accessed using my sim because of the sim lock but I was wrong.

I was intending to go retrieve my line on Monday but on Sunday I decided to access my email using another phone only to find out my account has been cleared without leaving a single dime.

I called Access bank customer service who confirmed my fears.....I asked them if I can have details of the account the monies were transferred to they told me it's not traceable as the transaction was a cardless withdrawal using POS....I don't understand how possible it is for the transaction not to be traceable, how cardless transaction can be initiated without pin or otp,is it possible for sim lock to be bypassed......I am still confused.

Please what could have happened in this case and how can I go about it?

Since the person got your phone with sim in it.. they gonna view the otp. From lockscreen.. if to say you set your phone to limit information on lockscreen.. the person no go see the otp.

Even a kids will know this story is fishy!

If your phone is lock and got stolen there is nothing the theft can do unless flash it and all data erase.

Even your credit alert test message to hid some digit of your account number.

The only way your money can be dedot is through your ATM card once input your 16 digit, Security and date of expiry


This story is bullshit and the ediot op did something he ain't explaining

So wait what should the op have done? Lock his phone in a safe?

Smartphones are designed to be a one stop device for everything. So chiding the op or Nigerians that use their phones for a lot of things is wrong.

TheABOMINATION:
Majority of Nigerians are as foolish as the op, their smartphone happens to be their personal computer, which they use to access their bank accounts, cryptocurrency exchange, PayPal, Skrill and other ewallet.

Despite knowing that if their smartphone is stolen, or they are caught by authorized or unauthorized criminals, they will lose all their money, they will still carry their smartphone with them as they move around in public.

PastorMIsBack:




Careless or Cardless because I'm now confused

Lol....thanks for bringing it to my notice. I've corrected it.

Those bank workers fit lie say someone don remove am meanwhile e dey with dem

Op is also at fault here, you are aware of this criminal element which was why you passworded everything, so u can't claim ignorance

Secondly instead of calling your bank to block your account, you intentionally gives this criminal all the time they want inthe whole wide world to try their trick and luckily they succeeded.?..u finally see what you were looking for

Thirdly they can't use cordless on ussd for access bank as have tried that severally with error message service not available for now...still not available till now

They somehow use your bank app...and I am guessing you are one of those who use dob or 7777 1111 as pin

If u also Lock the sim then we can conclude that transaction happened on ur locked phone....Guess it was unlock

Dialpad:
Whats going on with access bank, most people complaining here about account hack or theft is usually related to access bank.

I suspect their system is porus and they have decided to do nothing about it since they claim consumer is liable .

If CBN insists that thorough investigation must be carried out unless a fine of 350k will be imposed for every 10k fraud, you will see the way they will disclose the real identity of the scammers or properly fix their network

I weep for Nigeria

I join you weep. You make a lot of sense in your submission.

Access bank,,,,bank of criminals
I stopped using Dem long time ago,after I was scammed of 350,000 Naira,,,, foolish bank

There is nothing fishy about the bank. You had a responsibility to block your line when your phone got stolen/compromised.

Encryption holds no water when an asset is compromised. The fraudster has a plethora of time to find a way out. You could have easily sent a mail to contactcenter@accessbankplc.com to block your account.

Apologies for your loss. May you recuperate in million fold.

MITCHELL96:




But you should have known these fraudster are way too smart these days, they'll definitely find a way to bypass anything just to get your money regardless.


Even that bank sef, It's full of fraudsters

Seaseason07:

And you believe that stupid lies? You no get sense? Too many walking senseless being around. He boosted what to 6 million? Even if e dey carry 2 odds, he go surely still loss. A bet 9ja account was hacked and he continue to use it placs a bet? You get sense at all or you're just stupid to believe any lies?

Boy, you don't have to believe me, F#ck your faith!

I even have the screenshots, but I won't waste my time trying to convince a lousy person like you, f#ck! your faith once again

femarse:
Op is also at fault here, you are aware of this criminal element which was why you passworded everything, so u can't claim ignorance

Secondly instead of calling your bank to block your account, you intentionally gives this criminal all the time they want inthe whole wide world to try their trick and luckily they succeeded.?..u finally see what you were looking for

Thirdly they can't use cordless on ussd for access bank as have tried that severally with error message service not available for now...still not available till now

They somehow use your bank app...and I am guessing you are one of those who use dob or 7777 1111 as pin

the op is hiding a Calabash he ain't explaining

Dialpad:
Whats going on with access bank, most people complaining here about account hack or theft is usually related to access bank.

I suspect their system is porus and they have decided to do nothing about it since they claim consumer is liable .

If CBN insists that thorough investigation must be carried out unless a fine of 350k will be imposed for every 10k fraud, you will see the way they will disclose the real identity of the scammers or properly fix their network

I weep for Nigeria

the way you guys blame banks ehh. Nawao.

Someone misplaced his phone, the best he can do is to contact his bank to block the account immediately. He left his phone phone with a fraudster for days thinking his sim lock will protect him. Your sim lock can only protect u as much time you give the fraudster, and how savvy the fraudster is. Immediately your sim or phone is misplaced, do well to get in touch with your bank to restrict transactions on your account. You dint even blame network providers whose sim lock was bypassed, na bank you easily blame.

Keegan:


I am guilty of this. I have to heed to warnings. Thank you.

Get a secondary smartphone that doesn't contain any of those things that you can confidently carry with you as you go out, and leave your main phone hidden at home.

TheABOMINATION:
Majority of Nigerians are as foolish as the op, their smartphone happens to be their personal computer, which they use to access their bank accounts, cryptocurrency exchange, PayPal, Skrill and other ewallet.

Despite knowing that if their smartphone is stolen, or they are caught by authorized or unauthorized criminals, they will lose all their money, they will still carry their smartphone with them as they move around in public.

I tire for people

Silentmoni:
thanks for your contribution....I encrypted the phone, messages and even sim that was why I was reluctant that nothing can be done with it but I was so shocked when I opened my mail from another phone yesterday..... another question is can cardless withdrawal using POS be done without otp?if no, how then was my message accessed to get the otp?and if the sim was removed from the phone it would require sim pin when inputed in another phone.......Infact I can't think straight now

Is it possible that a new sms could be read from your locked screen?

lied:
THE PERSON YOU WENT TO VISIT DID IT.

I AM 100 PERCENT SURE.

Stole your phone and he probably knows your phone unlock code.
As for you sim-pin, he simply contacted customercare for your PUK. Pretending to be you.

this is the most rational explanation, cos I'm still schoked as to how his simlock was bypassed.

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TheABOMINATION:
[s] Majority of Nigerians are as foolish as the op, [/s] their smartphone happens to be their personal computer, which they use to access their bank accounts, cryptocurrency exchange, PayPal, Skrill and other ewallet.

Despite knowing that if their smartphone is stolen, or they are caught by authorized or unauthorized criminals, they will lose all their money, they will still carry their smartphone with them as they move around in public.

You started with insult, majority of Nigerians. And you still ended your statement with pure undiluted nonsense. Are we not supposed to be "carrying our smartphones with us as we move around in public"? Hehe!

Pharaohny:
I don't know how many times we need to educate people on this your surest bet is not your phone cos it can be unlocked but your sim card .
There all always passworded your alert sim card , that is the surest way to go for Now
Thanks .

what are you even saying

TheABOMINATION:
Majority of Nigerians are as foolish as the op, their smartphone happens to be their personal computer, which they use to access their bank accounts, cryptocurrency exchange, PayPal, Skrill and other ewallet.

Despite knowing that if their smartphone is stolen, or they are caught by authorized or unauthorized criminals, they will lose all their money, they will still carry their smartphone with them as they move around in public.

Where is the sense in what you typed, mumu man. Must you comment if you lack sense