₦airaland Forum

Safe trip bro. You may also contact your bank and explain the situation to them. They will file a chargeback for you.
Cheers.

Abudu2000:
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

To me too sounds untrue.

Let me finish reading. I am coming.

PreciousJuice:
lol, you have unfinished business with village people

Meanwhile,
Here is a question for the illiterates that can't see beyond the bridge of their noses, how was it possible for an alleged Sudanese named Jubril to face the joint NASS?? When it was in the same gathering the patrons of fake reports and propaganda are seated!??
I want to seize this opportunity to demystify the alleged accusation of a Jubril in Aso rock, its quite dramatic and equally astonishing how the president was taught dead but with God's intervention overcame the illness and evil thoughts being spread by agents of confusion, THE GENERAL @PMB , was never dead nor replaced, am sure the healthy and youthful looks on him got illiterates wondering how an old man above 75yrs could recover so well,
Truth is THE GENERAL can not recover naturally in that manner considering his age, however, people must know about the process of COSMETIC SURGERY,
Am 100% sure it was the process ( COSMETIC SURGERY) that THE GENERAL went through to give him such healthy and youthful looks, which is very appropriate, as the president MUST look good as possible, he stands as the country's image and no1 citizen, World leaders such as Vladimir Putin of Russia and Donald Trump of USA all undergo the process of COSMETIC SURGERY to keep their looks as youthful as possible.
God bless Nigeria

Mr Nigeria, your story above doesn't add up...
How much were you paid for this
Alaye, make way... �

I'm really sorry you are going through all this. How I wish I was in a position to help you.

TAKE HEART DEAR, GOD WILL PROVIDE FOR YOU

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.

https://i0.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image.png?w=1063&ssl=1

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.

https://i2.wp.com/cdn.punchng.com/wp-content/uploads/2016/07/07175011/February-13-Nigerian-farming-farmers-agric-1024x453.jpg?zoom=2&resize=708%2C313&ssl=1

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.

https://i1.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image-1.png?zoom=2&w=1220

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.

https://i0.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image-3.png?w=2440

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”?

https://i0.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image-5.png?w=1242&ssl=1

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.

https://i2.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image-6.png?w=412&ssl=1

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......

so bad..d lord will lift u in thousand folds brother

Goalnaldo:
To pick up your phone and type this even when you are heading to the village shows strength. This is front page material.

He is not heading to the village in the real sense though. This is just his own way of adding humor to make the writing an easy read.

So sorry, just that the ATM has become part of our lives.

We all med to be careful.

On the village girls issue, if you try it with my village girls wey bunkery boys don use money spoil them, insult go make toy commit suicide. Those boys don baff those girls with money that comes today and you are sure it must come tomorrow

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.

https://i0.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image.png?w=1063&ssl=1

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.

https://i2.wp.com/cdn.punchng.com/wp-content/uploads/2016/07/07175011/February-13-Nigerian-farming-farmers-agric-1024x453.jpg?zoom=2&resize=708%2C313&ssl=1

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.

https://i1.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image-1.png?zoom=2&w=1220

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.

https://i0.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image-3.png?w=2440

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”?

https://i0.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image-5.png?w=1242&ssl=1

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.

https://i2.wp.com/hustle.ng/wp-content/uploads/2018/12/word-image-6.png?w=412&ssl=1

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.

Just get a verve card and save yourself the stress. Simple

Abudu2000:
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

doesn't matter if the story is true or NOT.

IT HAS A VERY COGENT WARNING ABOUT ATM CARDS... Dont miss that message... Or you will cry one day...

Remember the world is going completely cashless... So financial self protection skills are a necessity.

Quite pathetic.It was a lesson to learn from.

Useless story from a useless Nigerian


You were probably thinking about the 5,000 naira bribe APC gave you...


You've learnt a lesson and have we. I learnt never to read your poppy cocky ever

Nice one though..

Fattkay, they didn't send you anywhere, you are by far richer than 400k. Lol... I know you wella. Well, this is the way out. File a dispute with your bank for a chargeback with strong evidences. They would. Likewise fire the "unbounce" customer care, they would finally refund. So easy.

bknight:
I have 3 functional accounts but only 1 has ATM card. And it only holds money for miscellaneous expenses

.

Same here.

One has all the permissions to be in this digital age.

Second has no Atm and no ussd but has mobile app.

Third has nothing. Not even alert. I have to be in the bank to transact on this one.

The same thing happened to me I was devoted 150,000.
In this jubril era

Grupo:
He is not heading to the village in the real sense though. This is just his own way of adding humor to make the writing an easy read.

I don’t understand why they don’t have comic sense

I call BS on this story

Your life savings are gone and you've the composure to inject humor

Lies

Had same experience. Got a refund from my bank after 2 months.

The simple way to manage ATM Card fraud is have another account in the same bank which MUST not be tied or link to an ATM card. keep your savings there or liquid cash for spending, move petty cash occasionally via internet banking to the account tied to the ATM card. your internet banking details could only be hacked if you give out your 1st password, transaction password, access to your token or phone.
I repeat, do not leave idle funds in an account linked to an ATM Card.

PreciousJuice:
lol, you have unfinished business with village people

Meanwhile,
Here is a question for the illiterates that can't see beyond the bridge of their noses, how was it possible for an alleged Sudanese named Jubril to face the joint NASS?? When it was in the same gathering the patrons of fake reports and propaganda are seated!??
I want to seize this opportunity to demystify the alleged accusation of a Jubril in Aso rock, its quite dramatic and equally astonishing how the president was taught dead but with God's intervention overcame the illness and evil thoughts being spread by agents of confusion, THE GENERAL @PMB , was never dead nor replaced, am sure the healthy and youthful looks on him got illiterates wondering how an old man above 75yrs could recover so well,
Truth is THE GENERAL can not recover naturally in that manner considering his age, however, people must know about the process of COSMETIC SURGERY,
Am 100% sure it was the process ( COSMETIC SURGERY) that THE GENERAL went through to give him such healthy and youthful looks, which is very appropriate, as the president MUST look good as possible, he stands as the country's image and no1 citizen, World leaders such as Vladimir Putin of Russia and Donald Trump of USA all undergo the process of COSMETIC SURGERY to keep their looks as youthful as possible.
God bless Nigeria

you are sick in the head

PreciousJuice:
lol, you have unfinished business with village people

Meanwhile,
Here is a question for the illiterates that can't see beyond the bridge of their noses, how was it possible for an alleged Sudanese named Jubril to face the joint NASS?? When it was in the same gathering the patrons of fake reports and propaganda are seated!??
I want to seize this opportunity to demystify the alleged accusation of a Jubril in Aso rock, its quite dramatic and equally astonishing how the president was taught dead but with God's intervention overcame the illness and evil thoughts being spread by agents of confusion, THE GENERAL @PMB , was never dead nor replaced, am sure the healthy and youthful looks on him got illiterates wondering how an old man above 75yrs could recover so well,
Truth is THE GENERAL can not recover naturally in that manner considering his age, however, people must know about the process of COSMETIC SURGERY,
Am 100% sure it was the process ( COSMETIC SURGERY) that THE GENERAL went through to give him such healthy and youthful looks, which is very appropriate, as the president MUST look good as possible, he stands as the country's image and no1 citizen, World leaders such as Vladimir Putin of Russia and Donald Trump of USA all undergo the process of COSMETIC SURGERY to keep their looks as youthful as possible.
God bless Nigeria

see your psychiatrist

Dear op Tnkx for sharing your story for to others to learn 4rm, God is your strength.

NB I have never done any transaction with POS Expect inside bank hall pos, not that am still a novice with such but I know the high risk associated to it,

Lol, Fattkay, money fit finish for your hand, but e no go reach village level. You wey I know wey be millionaire.

Anyways, sorry for the loss, all loss Na loss and all loss dey pain.

Before January, you go dun cover up.

Best of luck

v

Abudu2000:
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

Fattkay can feed your family for a year if he stopped working today.

Simple. Never use pos. Nigeria is not making use of credit cards it is debit. Any mistakes the money is gone. I still prefer transfer to pos then preferably cash.

I doff my hat for those whose debit cards are linked to accounts with a lot of money.

Please try have a separate debit card account for all these internet or pos transaction.

It's a good thing he only paid for a subscription service. Your bank should be able to reach the Canadian merchant, using the transaction ID; notifying them it was a fraudulent transaction. I'm sure they will not only cancel his service subscription, but should also be able to provide his registered account details.

Abudu2000:
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

The guy is loaded

This was probably perpetrated by some close to you like jugular. You will be extremely carefree to have your card details noted at paypoint (16 digits number, expiry date and cvv2 located behind the card). Before any paypoint attendant will note all these, you will see the red flag already unless you're very careless.