Welcome, Guest: Register On Nairaland / LOGIN! / Trending / Recent / New
Stats: 3,143,208 members, 7,780,375 topics. Date: Thursday, 28 March 2024 at 01:16 PM

How This ATM Card Fraud Sent Me Back To Village - FATTKAY - Business - Nairaland

Nairaland Forum / Nairaland / General / Business / How This ATM Card Fraud Sent Me Back To Village - FATTKAY (43623 Views)

Unknown Person Sent Me $550 Via Worldremit. Please, Is This A Scam? Photo / Hope I Wouldn't Find Myself To Be Blamed If I Return This ATM Card To The Owner / 4 Ways To Protect Your Online Business From Credit Card Fraud (2) (3) (4)

(1) (2) (3) (4) (Reply) (Go Down)

How This ATM Card Fraud Sent Me Back To Village - FATTKAY by fattbabakay(m): 10:21am On Dec 21, 2018
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.

233 Likes 26 Shares

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by KevMitnick: 10:30am On Dec 21, 2018
Lol... Sorry bro

7 Likes

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Horlaidex(m): 10:36am On Dec 21, 2018
shocked
Village people dusted ur file and they succeeded in sending you back home.

Jokes apart, it’s sad Bro. You’ll recover in thousand folds

34 Likes 1 Share

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Kylekent59: 11:02am On Dec 21, 2018
I am very careful whenever it comes to banking/savings.

The sim I use for my bank is at home, while my other two Sims, I use them when going out/ to work.


The best is to have 3 accounts. One for life savings, another for future, and the last one for spending of which must not be more than 30k.

The other two would be for millions.



Also, watch out for those people behind you while at the atm/ pos stands, some of them are there to monitor your entries, always made sure when inserting your pin that you do it secretly by using one of your hands to cover the other while inserting your pin.

67 Likes 1 Share

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Homoviator: 11:07am On Dec 21, 2018
This is horrible. Just wondering what the person will do with the subscription.

However, I celebrate your courage in sharing your story for others to learn.

Better things ahead!

35 Likes 2 Shares

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Goalnaldo(m): 12:36pm On Dec 21, 2018
To pick up your phone and type this even when you are heading to the village shows strength. This is front page material.

118 Likes 5 Shares

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Mirriamvic(f): 12:51pm On Dec 21, 2018
OH MY GOD I WISH I CAN HELP

12 Likes 1 Share

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Fynestboi: 12:57pm On Dec 21, 2018
Lalasticlala

shocked shocked

1 Like

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Flexherbal(m): 3:39pm On Dec 21, 2018
Noted!
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by U1(m): 3:39pm On Dec 21, 2018
Kylekent59:
I am very careful whenever it comes to banking/savings.

The sim I use for my bank is at home, while my other two Sims, I use them when going out/ to work.


The best is to have 3 accounts. One for life savings, another for future, and the last one for spending of which must not be more than 30k.

The other two would be for millions.



Also, watch out for those people behind you while at the atm/ pos stands, some of them are there to monitor your entries, always made sure when inserting your pin that do it secretly by using ur one of your hands to cover the other while inserting your pin.



Says who? I get like two times that! Yet, I no even get any amount near a million in any of them. cheesy It's partly because of things like this.

I hardly move around with more than one ATM card at a time. And that will often have the lowest balance of all.

I no go let anyone deprive me of the dough wey never do me sef. cheesy

6 Likes

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Originality007: 3:40pm On Dec 21, 2018
shocked
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Nobody: 3:42pm On Dec 21, 2018
.

11 Likes

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Nobody: 3:43pm On Dec 21, 2018
Y
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Nobody: 3:44pm On Dec 21, 2018
Op talk true, shebi nigerianbanks association paid you to come destroy petty pos busnesd wey they help people secure small job in this buhari era of suffering.
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Oluwasaeon(m): 3:45pm On Dec 21, 2018
Damn!
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by okwabayi(m): 3:45pm On Dec 21, 2018
I’ve booked this for later reading.
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Nobody: 3:45pm On Dec 21, 2018
grin

Crime doesn't pay.
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by kpaofame: 3:45pm On Dec 21, 2018
omashe oo

Village people don enter your matter

5 Likes

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Passionate888: 3:46pm On Dec 21, 2018
Village people never sleeps, and you're never far from their thoughts.
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by SaintHilary(m): 3:46pm On Dec 21, 2018
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Passionate888: 3:47pm On Dec 21, 2018
Village people.
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by millionboi2: 3:48pm On Dec 21, 2018
Op ve scammed som1


Op karma is real ooo
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by adanny01(m): 3:48pm On Dec 21, 2018
I added my mastercard to Google play store, i was debited for an app download payment without any pin or token.
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by sage101: 3:48pm On Dec 21, 2018
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Bossontop(m): 3:49pm On Dec 21, 2018
undecided
Eeyya....u see??...i told you not to pick dia call but u refused dat they cant do u anything

5 Likes 1 Share

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Starboytwo(m): 3:49pm On Dec 21, 2018
We wey we no get "kala for account nko....unbothered...

1 Like

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Abudu2000(m): 3:49pm On Dec 21, 2018
lmao upcoming bloggers. yahoo no pass wetin the op just do now. he lied and he knew you will detect that but he still found a way to convince you to believe it's true and I can the gullible crew up there showing their asses already hehehe

7 Likes

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by Awoo88: 3:49pm On Dec 21, 2018
Change your pin regularly will help prevent some not too bright lazy youth from stealing your money. After any transaction I don't trust, I will immediately change my pin. Not more than once, I had gotten alert about transaction with wrong pin inputs when I am probably sitting at home and sipping cold origin.

7 Likes 1 Share

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by peterely(m): 3:49pm On Dec 21, 2018
Sorry
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by yomalex(m): 3:50pm On Dec 21, 2018
Hmm
Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by bknight: 3:52pm On Dec 21, 2018
-

7 Likes

Re: How This ATM Card Fraud Sent Me Back To Village - FATTKAY by chumakk: 3:52pm On Dec 21, 2018
You can actually get a refund. Continue on with the email. When they reply prove to them you are the owner of card.

4 Likes

(1) (2) (3) (4) (Reply)

Female Facebook Queen Narrates How She Rejected An Offer But Ended Up Buying It / Angry Mob Invades Shoprite In Lagos / Which Business Did You Regret Starting Because It Ended Up In Huge Loss

(Go Up)

Sections: politics (1) business autos (1) jobs (1) career education (1) romance computers phones travel sports fashion health
religion celebs tv-movies music-radio literature webmasters programming techmarket

Links: (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Nairaland - Copyright © 2005 - 2024 Oluwaseun Osewa. All rights reserved. See How To Advertise. 34
Disclaimer: Every Nairaland member is solely responsible for anything that he/she posts or uploads on Nairaland.