₦airaland Forum

Dannybammz:
I'm back after 6 weeks to tell you how good it is.


The phone is good honestly

nah man u be....I've totally forgotten oo. So it's really worth the buy?

Yenkwin:
PHOTO NEWS: Rivers state H.E Gov Nyesom Ezenwo Wike - CON arrived Maiduguri international airport, he was received by Yobe and Borno state PDP stake holders, executives and party supporters.

#Renewnigeria2023 #wikeforpresident23 #NEW2023 #PDP2023 #OneNigeria #PDP #everyonematters #pdpnigeria[b][/b]

the electricity blackout follow dey affect them wey dem no fit iron thier agbada

Metrix147:
Source: https://abntv.com.ng/news/143673-vacate-osisioma-flyover-now-ikpeazu-warns-recalcitrant-street-traders/

it's only in this country that governors see building of bridges as a remarkable achievement......it's a pity the kind of visionless and unproductive leaders we have in this country.....flagship project indeed!.....May God show us mercy.

AlaskaTNT:
They have blessed more lives oo. I'm among

weldone!

KingOfAmebo:
https://nairametrics.com/2022/04/07/bet9jas-website-allegedly-hacked-by-russian-blackcat-group/

they better not recover from this hack.....they have caused more harm than good to Nigerians..... Rendering alot of people useless and hopeless

Shadysen:
I have seen plenty people that betting changed their life

my friend how many people?1out of 100million...take it or leave it,betting can never change anybody's life for good...in the course of time that life you think was changed will go from good to bad.. it's only by chance and in very rare cases where such fortunes gotten from betting is sustained.

NobleSeed:
I've decided to quit betting and follow what church preaches [/b]

okay you just realized abi? Hope u meanit..Good for you... Anytime u wake up is your morning.... Betting can't make you achieve anything meaningful in life.... betting is evil and satanic

greenmaster:
bad guy. na fixed match be dis

u follow 4commitee wey fix am

Seriously I don't know how on earth people imagine the act of rape, talk more of engaging in it......Those people must have a psychological problem or possessed by an evil spirit.

Hmmm! We take things for granted in this country and our agencies that should run checks on alot of things are no where to be found in situations like this

HandsomeGuyman:
How do you mean? Was he a member?

I understand what he means only very few of them are soundly born again... I have been privileged to have associated with them and I was marveled @ d level of immoral lifestyle they live. It's well

Abeg who understand watin super eagles dey play?

Hanks0000:
Because of the ASUU strike I have been more active on the internet looking for jobs.

I have tried Upwork and Fiverr but for some reasons I'm not qualified for some of the jobs. In fact I haven't made money on those free lancing apps.

This is not a scam. I have all the evidences. The conversation between me and the person and every other things to prove it's not a scam.

you have been scammed by fraudsters not fairmoney....The link you clicked and followed up was a bad idea.. the proof you have is as good as nothing in this country if you don't know high rankings/money to pursue a case.

The crime in Lagos is gradually increasing,my brother was attacked with cutlass in broad daylight yesterday and his phone taken from him while people were watching.... The ban on NURTW in Lagos will spike serious criminality if adequate security is not provided.

LeoFish92:
OK. Now I understand.

yeah

LeoFish92:
I read somewhere u said the sim was locked with pin. How did they bypass that?

yeah my sim was locked with pin... What happened was that I locked my messages, contacts etc...but my phone dialer was opened for them, so basically dey don't need to remove the sim because if they had done that or switched off the phone it would then require the sim lock which would be impossible for them.

LeoFish92:
Which pin? The sim lock or transfer pin?

my ussd transfer pin....

DuchessAmanda:
Yeah I remember, but did you use a SIM Lock before that incident?

of course I did

A week ago when I posted "how my access bank account was wiped" when I lost my phone some I too know people attacked me, saying I concorted the story....
When I got to the bank to find out how they were able to do that, I was told my pin was changed using my date of birth...the days are evil and criminals advancing in their evil techniques.

SaintUlot:
How did they get your phone number and account number, without it cardless withdrawal cannot be initiated. Sim pin is maximum of 4 digits.

infact I just learnt from the bank I visited today that my ussd transfer pin was changed.how they did that I don't know

taurusdude0:
It's possible they jailbreak your phone to access your details

Infact the matter weak me

makavell7:
Oboy abeg go and look for somewhere and sit down and stop opening all these fake threads with cock and bull stories jo. these were your exact words in the thread story " 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." Now you don change story say na analogue phone wey no get phone lock!!! Guy swerve abeg!!!

if you are frustrated am not the cause,you better go and clear your head...how was the story changed?did I mention the phone in first post?where did I state" say na analogue phone wey no get lock"?does nairaland give award or do I get money for creating a thread that made Fp that I will now sit down and begin to waste my time to concort story that's not true to share? I was simply trying to clearify how the phone was locked and if you weren't clear u should ask questions rather than saying trash

This was the 2nd transaction.....and on and on...I can't post all......that was how he kept withdrawing the money until the last Kobo in the account

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?

this was the first transaction the fraudster carried out on my account....from the discription I am seeing ussd and a name so am wondering why customer care was telling me it's POS and not traceable

litigator:
Walahi! you are a wise man.

First, we have both established that it was technically impossible for the fraudsters to attack your bank account without the possibility of an insider conspiring with them.

Now get a lawyer to write to your telecoms provider and your bank to provide clarifications/answers.

Remember that it was technically the bank’s money that was stolen not yours, since you didn’t authorize the withdrawal. ( Position of our case law)

Your lawyer might be able to fashion out a claim. Your goal is not to win and become a millionaire. Oooooo.

The goal is to get justice and learn a valuable lesson so you can better protect your billions tomorrow.

okay I'll visit the bank tomorrow and them follow up from there to see what I get...thanks for your concerns

emmykk:
That means the thief used USSD code to transfer to a POS agent Wallet account.(like moniepoint,palmpay,kudu,and opay)


There is no POS that cannot be trance just that the protocol will be too much for you.

Here is what is demanded before a pos machine can be offered so it can be trance.

So if a kidnapper present a pos business account details to receive 10M Ransome your bank will tell you it can't be trance?

Below are what is need by one of the money agent before you are offered pos


*MONIEPOINT REGISTRATION FORM.*

Full Name:

Active Email:

Date of Birth:

Phone number:

Gender:

Business Name:

Home address:

L.G.A:

State:

Mother's maiden name:

Bank Name:

Bank account number:

Bvn number:

ID CARD NUMBER

Valid ID card:

Passport:

NEPA bill:

Signature:

*NEXT OF KIN DETAILS*

Full name:

Relationship:

Address:

Phone number:

Email:

I will visit the bank tomorrow then give an update on the outcome

lied:
Now I know the story is fake.

not your fault!

franciskaine:
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.

very true!
I didn't create this thread for sympathy,I am not even thinking of pursuing the case further if I don't get any green light from the bank that I can recover the money even though the money involved is much.....I created to learn,share my experience so people can learn from my mistake,also find out the possibility of carrying out cardless withdrawal,and the possibility of bypassing sim lock

emmykk:
First you are confusing yourself because you and most people always taken POS operator as thieves so anything that enter their domain you guys don't think properly.

Cardless transaction in POS parlance mean when a card is withdraw from to another card with collecting cash.
That is if the thief present your card he will instruct the pos agent to withdraw from it to another card and a pin will be needed.


Otp is mostly used when when online transaction are used so otp can be successful when you buy things online again a pin will be needed.

So the person have your phone and your banking app can try to change you pin depending on what is need for it to be change in most case your phone and the pin can be change.

Leave pos guess work out if it they can as well used it on atm machine too.
The most important thing is that you have made a mistake to lost the card.


Beside your phone may have be stole by closed friend or relative who are useless and carryout everything Successfully

I don't have atm on this particular account so atm is out of the issue....the customer care told me the transaction was a POS transaction and cannot be traced

makavell7:
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

my friend if you are not clear about something,the appropriate thing to do is ask questions and don't think ill of people.......the phone in question is small button itel phone...what I locked is messages, contacts and gallery the dialer is open coz I don't want to be imputing pin anytime I want to dial a number which I feel can be stressful.

litigator:
Take it up with your bank. But you were 200% indolent in all this. Walahi!

yeah! I had all the time to block my account and avoid the loss but I taught since my messages,phone and sim were encrypted there's no way it can be accessed.....coz I know if d phone is switched off,sim removed,it will require pin 2access and when wrongly entered 3ice would need puk which would require calling customer care

Twoclans:
OP I am trying to get a hold of how this fraud was carried out .

My first suspicion would be the location you said you were coming from.Could it be that someone close to you took the phone at that location and the person knows the password for your banking transactions.

Or could it be you thought your sim and phone was encrypted with so many passwords meanwhile maybe your phone had rebooted itself or done a factory reset


What could it be? My brain is hot I cant think straight. Sorry for your loss.However your bank should atleast make a move to assist you trace the fraudster.

I don't think it's anyone close to me,my pin is so complicated that it can't be easily guessed..... someone mentioned about sms scrolling ontop of the screen even when phone or message is locked which I think that was how they thief was able to get the otp to perform the cardless withdrawal coz most times when I get messages I could read it while it's scrolling ontop of the screen without unlocking the message inbox