Ifakiland:

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

My brother that was the first kleg i noticed in his fake story! POS cardless withdrawal with your phone All these stupid threads you guys open to attract comments are just dumb!!!

I immediately smelt a rat when he said his phone had a lock and also his SIM card. with those 2 locks on no criminal i repeat no phone hacker can ever have access to your account. with the phone lock on the thief will remove the sim and insert in another phone and immediately the phone start up the first thing that will appear on the screen is IMPUT YOUR SIM PASSWORD, without the correct sim password that sim is useless and after imputing the wrong one 3 times it automatically locks the sim. You guys should stop all these fake threads. really dont know your intentions

TheABOMINATION:


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.

See advice, lol

Silentmoni:
very true....alot of people have been complaining about how porous access Bank security is....I no believe until now!and to think I have 3 accounts with them...God help us oo

It's the worst place to put ur money

MITCHELL96:
Ehyaa, sorry.

But see ehn, whenever you're inside Keke or a moving vehicle, always try to hold your phone in your hand, don't put it in your pocket, it can slip of when you're trying to come down from the Keke, you can as well use a headphone and play music's while holding it, to make you not to sleep off

POS transaction can't be traced, even if it is, it won't show names like John Olatunde, etc,, It will rather show User/agent 0025373 and stuffs like that, so trying to trace it, Neither "Agent" or "User" is anybody's real name


You see ehn, Nigerian has gotten to the point that nobody can be trusted, the country is hard, even if it was you that had such opportunity to swindle somebody's money, you might want to take the money, so it's better to encrypt your phone, Sim cards, etc to the extent that it will be difficult for somebody to get your money using your phone


That's why I don't blame people that lock almost every app on their phone, their reasons might be for situations like this

I know of a guy who openly told me he hacked somebody's bet9ja account with over 300k in the account because the guy lose guarded his phone, he used the money there to play games till he boosted the money to over 6 million and added his own account and withdrew the funds.


Everybody get red eyes like this, keep your gadgets save and tightly encrypted.

there is nothing that can't be traced only that our system allowed fraud to thrive very well.. there is code given to every pos operator and that code can be use to trace details attached to the code...

Stop tha lie. Ya got ya 15mins of attention now say tha truth

When I hear this POS can't be traced nonsense, it pisses the hell outta me.

Even call signals get traced not to talk of a POS registered to someone that uses SIM card and links bank accounts or online accounts.

How can that not be traced??

jcross19:
there is nothing that can't be traced only that our system allowed fraud to thrive very well.. there is code given to every pos operator and that code can be use to trace details attached to the code...

I mean...

angelfallz:
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.

Keep it at home. some of you move about with your phone for frivolous things like, going for sports, taking a walk, even going on Dates.
Keep ur devices at home. You can find ursef at gunpoint or knife point

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?

careless withdrawal means they will send pin to your phone line , so once the pin is entered on the POS, transaction is approved

You probably won't understand what I mean till you spend sometime outside Nigeria and see how consumers are protected.

In the US, all you need is to call your bank, within 24hrs that money will be refunded.

Sometime ago, some crazy person got a hold of my 2 bank cards, created cashapp account and began spending spree .... rather than cry and lament, I called the bank, explained that I have my card but not sure how someone got a hold and created cashapp, within 24hrs the funds were refunded.

Can you now understand why I said I weep for that country called Nigeria.


They have conditioned the minds of the citizens to feel guilty of such anomalies .
Keep in mind, I did not have to visit any branch, just a phone call resolved the whole thing.


Best of luck.

franciskaine:
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.

kelechi50:
Keeping money in the bank now is at owners risk

ahswear.....

hmmm
but you forget, it is a phone. A mobile phone for that matter, it defeats the essence of having a mobile phone if you can't carry it around with you.
Also, people pay for goods and services with their phones.

People get held at gun point in countries like the US, but that does not stop people from carrying their phones around.

The OP should have quickly protected his accounts.

I believe we should learn what to do when our phones go missing or are stolen.

AheadMarket:

Keep it at home. some of you move about with your phone for frivolous things like, going for sports, taking a walk, even going on Dates.
Keep ur devices at home. You can find ursef at gunpoint or knife point

maasoap:


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

most sensible comment.

Rather than blame himself, he's blaming the bank. He has about two days to block his account but left it open. No matter how confident u av of a process, making a move to further safeguard the account would av been best.

DesChyko:
When I hear this POS can't be traced nonsense, it pisses the hell outta me.

Even call signals get traced not to talk of a POS registered to someone that uses SIM card and links bank accounts or online accounts.

How can that not be traced??



I mean...

I wonder oooooh..

It thought sim card only ask for the code when you turn on your phone ?

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?

Just what if the thief is actually in your house. Just what if

The best way to save money is not to save it in the Bank and instead of saving money in the Bank, bury it in the land and use some leaves to cover it.

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

There are sites that can access ur card without otp... eg Netflix and some bet sites

MITCHELL96:


POS transaction can't be traced, even if it is, it won't show names like John Olatunde, etc,, It will rather show User/agent 0025373 and stuffs like that, so trying to trace it, Neither "Agent" or "User" is anybody's real name

Is this not supposed to be account to account trànsfer? How is this not traceable? I need clarification since ATM card is not used

Seaseason07:

Very senseless, empty head of you. You still ain't comprehend that little?

K

The day I went to first bank to complain about me doing a failed pos transaction of #50k and have been debited when I reach customer care the amount of old people wey diss guys defraud over the weekend was alarming my own case was still minor cause all I would wait for is a reversal but this guy's actually sweep out all the money in a woman account 273k

Anoda man 117k the scammer transferred the money to a wema account

Anoda woman 90k she called otp for them all of them were just weeping in the customer care unit so I asked them which SIM they were using and surprisingly they were using mtn actually there is an hack you can use to access people messages on mtn sites for now I guess that what happened to OP also

angelfallz:
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.

The phone that contains all the things I mentioned should not be carried around, it's a secondary phone that should be carried around.

nurez305:
what are you even saying

Always password your sim

Sorry for your loss. But to be candid, I don't believe the fact that you locked your SIM and you got bypassed.

Once your phone is off or restarted, it will request for PUK and after three attempts, it be blocked finally.

So it's either someone who knows your details ripped you or you were careless with your details.

I stand to be opposed though

hmmm
What would the secondary phone contain?

TheABOMINATION:


The phone that contains all the things I mentioned should not be carried around, it's a secondary phone that should be carried around.

Entanglement:
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

I tire o.
I still don't believe anyone can withdraw another person's account without knowing the ATM or transaction pin.
I once lost my phone on a Friday and didn't didnt block the SIM till the next day because I was looking for the simcard information I know they would ask for to verify you are the rightful owner of the SIM,and when I went to check the account balance on a Monday,every Kobo was still there.
Or was I just lucky?

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.

you may not be far from the truth

Access bank

Esthered:

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

And how is cardless withdrawal initiated you open and log into the banks app on the phone open the cardless withdrawal node on the app and then physically take the phone close to the atm to read the code from the bank app which would then request for a pin. Oboy all this can never be done without accessing the phone cause the thief would be stuck at the IMPUT YOUR SIM CODE level. The whole story na cock and bull

ultimateprof:
The best way to save money is not to save it in the Bank and instead of saving money in the Bank, bury it in the land and use some leaves to cover it.

BUHARI and TINUBU age mate.

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?

My brother, if I tell you I don't understand how you feel rn I will be liar.

I once had the same problem, I traced the idiot to Abuja. It was an inside job, long story short, the idiot can't use his left hand till today. I had to do it the street way. It cost me more money though, but when I remember how we smashed his left palm, and how he cried like a helpless orphan, I feel this heavy joy in me.

Sorry ma brother. But in case if find that idiot, plzzzz don't forgive.

Ifakiland:

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

Cardless withdrawal is real noww....just log into internet/mobile banking ,click on carddless withdrawal...

maasoap:
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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!

Bollinga:


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

If you like don't listen to my advice and continue to move in public with your personal computer smartphone that you use to access the things I mentioned instead of a normal smartphone.

http://saharareporters.com/2021/12/18/how-nigerian-policemen-extorted-n22million-worth-bitcoin-young-men-gunpoint-lagos