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Showing posts with label fraud. Show all posts
Showing posts with label fraud. Show all posts

Friday, January 08, 2021

Fraudsters devise new way to empty your bank account

 


It’s perfectly okay to be alarmed at this news. Just don’t lose control. 

Fraudsters trying to get into your bank account have stepped up their game a notch.

If you thought you were fine once you did not click on a phishing link and you did not entertain a call from any random person claiming to be calling from your bank, please be informed that you are wrong.

It is now possible for fraudsters to use your bank’s legitimate customer care line to defraud you. How is that even possible? I don’t have any answers at this point. But I’m writing from personal experience.

On 22 December, 2020 at 9:15, an eleven digit number called me. I picked and an automated voice identified itself as Kiki and told me a suspicious debit transaction just took place on my account. If it was me, I should ignore, if not, I should call the same number that just called me within 10 minutes or the transaction would be allowed.

The number seemed genuine to me, but I didn’t rely on my gut feelings. I turned to Google. Yep, the number was genuine. That’s the same number plastered everywhere, Sterling Bank’s website, social media handles etc.

It must be a genuine call then. I became alarmed that I had wasted a few minutes to double-check the number instead of calling immediately to stop the fraudulent transaction. But then, it’s an age when many youngsters are leaving school with no better game plan than hoping to cream off as many people as possible to have a house by the beach and ride a Ferrari. You can’t be too careful.

I quickly called the Sterling Bank customer care line and was connected to an Interactive Voice Response system. I thought that was another indication that the earlier call was genuine. Our average fraudsters aren’t that sophisticated. IVR systems do not come cheap. They cannot make that investment, or so I thought.

Now, if you have ever had to call your bank’s customer care line, or Multichoice Customer care line, you would understand how IVR works. You are presented with a set of menus and you are expected to pick one at each stage so you can be directed to the best resource or the agent that can best resolve your issue.

The first set of menus I was given were innocuous enough. I blazed through them until I got to a point the system asked me to choose an option to validate my identity. The options included either my ATM card PIN, or my Internet code, or USSD PIN. It was at that point I applied the brakes. This same IVR told me a few seconds earlier as part of its preamble that Sterling Bank would not ask me for my ATM PIN etc. Why was it asking me to input it now? I calmly disconnected the call and went to bed.

People of God, 10 minutes passed and no fraudulent transaction happened on my account o! 

On a serious note, it’s still a puzzle how that happened. I put the number on Trucaller and it turned out that it had been marked for scamming by some other users. There were a total of 1,951 spam reports as of then.

I have alerted Sterling Bank to this through their social media handles and they are investigating. Hopefully, they can get to the bottom of it soonest. Meanwhile, get wise to this latest trend.

Saturday, May 11, 2019

How Airbnb promotes scam, my experience


Staircase 
A door opening to a hideous recess.


I had heard a lot about Airbnb before I decided to try them out in March when I was planning a vacation in the United States. It turned out to be a huge mistake.

The search

I spent days scouring Airbnb for a suitable apartment I could stay in with my wife for 10 days and finally shortlisted two; one in Queens because it was close to JFK International Airport where we were coming in through, and Brooklyn, because it was close to the areas we were keen to see. The Brooklyn apartment was going to win until we noticed it was a basement.

Queens won

We settled for the one the host described as Rosedale Private residential (SMOKE FREE) in Queens. The winning description in the ad was ‘an entire bungalow’. It was costlier, but we thought it was worth it.

Rude shock

We flew thousands of miles to this destination and discovered the listing was misrepresented. It was not a bungalow, but a basement apartment. That was a big deal for me because apart from the nice Brooklyn apartment, I had seen and ruled out many other basements with better prices and reviews because we were apprehensive of the problems associated with basements, such as dampness, flooding and mould.

To make matters worse, this apartment we opted for was so disappointing that we left almost immediately and looked for a hotel to stay to search for another apartment, into which we moved the next day to spend the rest of the vacation.

Apart from the lie of the actual nature of the apartment, we also found that the sofa in the living room was old; the reading table in the room had seen better days and looked like it would fall apart. The apartment was apparently furnished with what the host discarded from the main building.

We arrived after a rain. Consequently, I stepped into a puddle of water in the master bedroom. The big cooker was rusty. The kitchen was cluttered with stuff used in the main apartment uptairs. A padlocked freezer, ostensibly containing stored food of the host, took up a part of the apartment.

A staircase descends from the main apartment directly into the lobby of this listing. At the top of the stairs, there is a door that is locked with a key from the main apartment. Apart from this, there were at least three other doors that were locked, one with a padlock. Another unlocked door opens to a dark hideous recess.

The tiles bore water marks, signposting possible flooding episodes in the past. Sounds of water running in some pipes within the walls were persistent. Overall, there was a mismatch between the cost and the value of this listing.

Confrontation

I called the host and confronted him with my findings and expressed my disappointment that he misrepresented his apartment. He was quiet for some time and then the line went dead. I tried again and it went into voicemail.

 I called Airbnb and complained. The customer care person who first picked the call sounded sympathetic and requested that I sent evidence of what I was claiming. That took me some time to do, as I had to find a better apartment.

I finally sent the evidence required the following day, when apparently somebody else, a lady had taken over the case. She later reverted that they could not refund me the entire money I paid because I did not stay in the apartment to sort out the issue with the owner, as Airbnb's policy demanded.

I found that odd. If it was a question of toiletry not being provided or a faulty TV or something, I would understand, because those could be fixed. But this was a case of somebody lying about the very nature of his apartment, calling it a bungalow when in actual fact it was a basement. How could he have fixed that?

A more honest host in the same Queens neighbourhood described his own apartment as ‘An Independent Basement’. But this one fraudulently called his own ‘bungalow’. He took nice pictures of the bed, a long shot of the big cooker, and not a single shot of the two staircases in the apartment, one outside, the other right inside the apartment. His whole intention was to mislead people who hate basements into booking it. 

I told them there was nothing that the host could have done to make it right. For me it was a case of deception. With deception, trust is damaged. If I couldn’t trust what you say, how could I stay under your roof overnight?

The review

Even though I didn’t like Airbnb’s decision, I decided to move on. However, when they prompted me to leave a review for the listing a few days later, I described what I saw.

I went back to the listing many times thereafter to see my review. It was not there. I lost interest. A week or two later, I remembered to check again and found that it had been published and the host had responded. The host carefully avoided tackling the issues I raised, but instead made an attempt to damage my credibility by concocting lies that had no bearing on the issues I raised.

I brought this to the attention of Airbnb again and they promised to investigate. It took them over 24 hours to get back. We exchanged a few more mails. Their final decision was that they could not remove the host’s response without removing my review. I told them I would not remove my review because that was the only way prospective guests could know what to expect.

Blackmail

Further scrutiny of the listing in question showed that the host had a habit of concocting lies against guests who wrote critical reviews. I saw a review by a gentleman who described himself as a pilot. The man stayed in the apartment in March just before me, but his review had not been posted by Airbnb by the time we were considering the apartment. If it had been posted, I would definitely not have paid for the listing. The man raised most of the issues I highlighted in my review.

Now, Airbnb has a policy of obtaining reviews from both the host and the guest. The host doesn’t get to see the review of the guest until he has given his own review. Now, this particular host left a very good review for this pilot, not knowing the pilot had left a critical review for his apartment. The moment he realised this, he rushed back to comment that the pilot was actually not a good guest. He described him as a drunk and said he was sorry for whoever boarded a plane he was piloting! Airbnb allowed the comment.

In the circumstances, the option for the pilot was to either allow the impugnation on his professional competence to remain on Airbnb site or to ask that it be taken down together with his own review. This is apparently how this guy blackmails guests from leaving a critical review for his listing.
Until Airbnb reviews this policy, by at least allowing guests to respond to any lies against them, many hosts will continue to exploit this loophole and smile to the bank.

Misleading claim
I took Airbnb up on the misleading claim made by the host. Initially, one Airbnb customer care agent promised they would get the host to correctly represent his listing. Another one I engaged on the issue later said other guests had made similar complaint against the man and Airbnb's trust committee investigated and found that the host was doing nothing wrong.
That was odd, but I believe they came to that conclusion because they never visited the apartment and relied on the host's claims. I was in the apartment. The building hosting the listing is a storey building. The apartment is in the basement, below the street level. The host lived on the two floors above the listing. 
Conclusion
Airbnb apparently means well. However, they need to look at their policies again with a view to giving more protection to the consumer. 

Sunday, October 14, 2018

How I lost N300K at Zenith Bank ATM @ Ajala Bus Stop


A Lagosian has narrated how fraudsters cleaned out her account after using an ATM machine at Zenith Bank, Ijaye Ojokoro branch by Ajala Bus Stop on Lagos- Abeokuta Expressway, just before Ijaye and Alagbado bus stops.


According to her she was returning from a church vigil on Saturday, October 13, when she decided to get some cash at the ATM shortly after 5:00am.

Her account: “All I wanted was N5000 to enable me buy some food for the weekend. There was one other gentleman behind me, pretending to be waiting to use the machine after me. I inserted my Skye bank card, input my pin and amount desired. The machine did not dispense any cash and refused to release my card. I waited.

“One particular security man then kept harassing me to leave the premises since the thing did not give me money. I protested that it was still holding my card. He said there was nothing I could do until Monday. I stayed put.

“The security guy was going up and down complaining loudly that I was hanging around the bank with my brother. Then he said, ‘Madam, you need to leave this place’. I confronted him and we altercated for a bit, during which time he insisted that the machine often behaved like that and that the card would be retrieved on Monday by Zenith officials. Then, I left with my brother and went to bed.

“By the time I woke up around 8am, they had wiped out my account. They started withdrawing from 5:30 am which means, they just waited for me to go before retrieving the card. They withdrew cash from that same ATM and took it to other ATMs to withdraw cash till they cleaned out about N300k. I’m struggling alone and have no idea where my next meal will come from.

“When I rushed to Zenith Bank, Ajala Bus Stop, another security man had resumed shift. While I was making noise, people came around, saying things like, ‘Not again!’ It was the sympathisers that made me realise that it was a frequent occurrence at that branch of Zenith Bank. One woman said she had lost count of men and women rushing to the ATM to make scenes, crying and rolling on the floor mostly on weekends. The other people I shared my experience with at home blamed me for going there, saying they stopped using the branch’s ATM long ago because of stories of robbery and fraud they hear about the place.

“I plan to make their head office aware of the bad reputation this branch is giving Zenith bank around Ijaye/ Alagbado Axis. They need to probe the place. I suspect collusion between that security man and the guy hanging around as a customer when I was there,” she said.

There must be a new trick being employed. In the past, once a card failed to come out, it could only be retrieved from the back end by bank officials.
It is curious how the fraudsters were able to retrieve a card that failed to come out after a failed transaction.

Experts will need to look into that. Meanwhile, ATM users need to be more careful with this development.

Thursday, January 29, 2015

Filling station trick busted!



Ever had this experience? 

You drive into a filling station. You tell the attendant, how much you want to buy. He begins to sell and then stops at a figure, say N1000 and returns the nozzle to the pump. You then tell him, “I said N5000.” He says “Sorry, I thought you said N1000.”

You shrug. He removes the pump again from the pump, and the display is wiped off. He now proceeds to sell to you the outstanding balance.

It doesn’t matter how loudly you shout the amount you want to buy the first time, they still do it. I had always wondered why they do that nonsense until last Tuesday at Mobil by Otedola Bridge on the Lagos Ibadan Exp Way. 

I told the gentleman to fill the tank. He put the nozzle into my car's fuel tank and stopped at N1000 and returned the nozzle to the pump. I was annoyed and it was obvious. I told him I wasn’t buying again. He panicked and told me to relax and that he hadn’t sold anything. He now proceeded to sell me exactly  the amount I wanted. 

In essence, the N1000 that first appeared on the display was phony. He panicked because he thought if I decided to leave at that point when all he had sold to me was hot air, I would have noticed once I looked at my fuel gauge. And he thought it was better to confess and have me quietly leave.

Apparently, when they want to play this trick, they have a way of getting the pump to read to a predetermined figure without selling anything. When you protest that that is not the amount you want to buy, they now proceed to sell the balance to you properly. In essence, you have been shortchanged by the amount they pretend to have first sold to you.

So guys watch out!

Wednesday, December 04, 2013

These FBN and Access accounts are being used for fraud


At 8:40 this morning, a con artist who hijacked the Facebook page of an old senior colleague contacted me to try his luck. I played along and got him to forward account numbers into which I was to send the money he requested.

It is possible that the account owners are not in on the fraud. In that case, if you know the owners of the accounts, alert them to the fact that their accounts are being used for fraud. They are a few steps away from EFCC cell’s tenancy.
And if you have a friend who routinely gets people to send money into your account, defriend him immediately. The commission he gives you will not be enough for the trouble you will land into when the law comes calling.

Our conversation is presented below, with the initials of my friend whose account was hijacked.


08:40 JBA

hello

08:55 Me  

Hello Sir

08:57 JBA

how are you

10:13 Me

I am ok. And you?

10:13 JBA

am good as well

10:15 Me

Long time. Where are u now?

10:16 JBA

i am presently in benin republic

10:18 Me

What's happening there?

10:18 JBA

on a visit. but i will be back by friday

10:19 Me

Ok. Enjoy urself while there o!

10:20 JBA

thank you

please i need some help from you

10:27 Me

Ok. What's up?

10:28 JBA

please i want to make an urgent payment to someone can you help me make the payment i will refund it back to you when i return on friday

10:40 Me

That's tough. Anyway, how much are we looking at?

10:42 JBA

30,000

10:43 Me

Ok. How should I send it and who is this person?

10:47 JBA

adams edith  3068708518 first bank

10:50 Me

Okay. But it has to be later. I am in the office now. It will take some time to get out. Will let u know when I've done it. Cheers

10:50 JBA

okay thank you

10:52 Me

Alternatively, I could use online transfer on my mobile app. What branch is this account

10:53 JBA

lagos

which bank do you bank with

10:54 Me

Access, Marina

10:57 JBA

okay let me see if he has someone with access bank

11:00 Me

Ok

11:10 JBA

0007753116 benjamin ashibuogwu access bank

are you there?

11:15 Me

Sorry. Was attending to something. Okay, I have it. Will try to use this one for easier transaction

11:15 JBA

okay

let me know when it has been done

11:16 Me

Ok

11:43 JBA

are you still on it

11:45 Me

Pls be patient.  Attending to smth first.  Will buzz when I do

Thursday, November 14, 2013

Are you invited for a job you didn't apply for?



I received the text below from a ‘company’ announcing that I had been shortlisted for a job interview in Ibadan. I should be happy, right? Trouble is, I didn’t send any application to the company.

It was easy for me to realize it’s a scam because roughly three weeks ago I received a text from a number on a Friday evening inviting me to an interview in this same location the very next day at 10am. But I found two things queer: the timing of the text, and the fact that the text did not disclose the company doing the interview.

The short notice was a scheme. I was meant to call the number and explore the possibility of changing the appointment to enable me to travel from Lagos to Ibadan. The officer at the other end would then ask for credit to make some calls. And when I sent it, maga for don pay. I just deleted the text.

They probably thought sending a text from a number did not impress me and decided to send it in the name of a company, a second time.

Guys, this is the new device of the callous crooks who prey on the helpless. They lure gullible job seekers with offers of gainful employment. Once the bait is bitten, they ask for money for registration, or deposit for medical tests, etc. When they have collected enough funds, they disappear into thin air.

Nemesis of con-artists is awareness. Once people know the trick, it fails to produce results. Inform those around you seeking employment.

------ SMS ------
From: CRYSTALLITE
Sent: Nov 13, 2013 7:46 PM
Subject: You are Shortlisted for...

You are Shortlisted for Oral/Written Interview by 10am,Thur 14/11/12 @our Branch Office: Lamlat Building beside Stanbic IBTC Bank, Old Ife Rd, New Gbagi,Ib.BATCH C

Monday, November 05, 2012

Fraudsters try another trick


Well, virtually everyone around the work knows about the Nigerian Prince trick, or the displaced rich refugee trick of conmen. It is the butt of jokes of many people across the world. So, the conmen have had to keep trying new tricks hoping one will click.

I get loads of mails in my inbox and delete them on sight. But this one sent by some lazy idiot this morning is quite devilishly creative:

This is a personal email directed to you as one of the lucky recipients which we have voluntarily decided to donate the sum of 1 million pounds ($1.56 million) to as part of our own charity project to improve the lot of 5 unknown lucky individuals all over the world plus 15 close friends and family.I am Dave Dawes,I and my fiance won a Jackpot Lottery of 101 million pounds ($156 million) in October. Provide your NAME,ADDRESS and CONTACT NUMBER for claims. You can verify this by visiting the web pages below.

http://www.telegraph.co.uk/news/newstopics/howaboutthat/8820740/101m-lottery-jackpot-winners-Dave-and-Angela-Dawes-to-give-millions-to-friends-and-family.html

We anticipate your earliest response.

Best of luck,

Dave and Angela Dawes.

Tuesday, October 16, 2012

UK immigration officer face jail term for faking visa for Nigerian nanny

Going to jail: James Mooney
A former Foreign office manager is facing jail after he today admitted faking a visa application to bring a Nigerian nanny into the country to work for just £300 a month.
 

James Mooney, 33 tried to bring housekeeper Rose Inah back to the UK with her as 'cheap labour.'

Mooney wrongly claimed that Ms Inah had been working for him in Nigeria for a year to ensure she would qualify for a visa.

On the second day of his trial at Inner London Crown Court he dramatically admitted he had only employed the woman for six months and that the visa application was false.

Judge Ian Darling warned Mooney faces jail for masterminding the plot and adjourned sentence until November 6.

His 36 year-old partner Natasha Vukic, who worked for the UK Border Agency, was cleared of involvement in the scam today after prosecutors offered no evidence.

Mooney admitted he faked Ms Inah's documents so she could work at the couple's home in Coulsdon, Surrey, for 11 hours a day, five days a week.  

She also cared for their three year-old son and was paid just £300 a month.

Both Mooney and Vukic had worked as immigration officers in Lagos, before Mooney took up his management position with the Foreign Office in the Nigerian capital.  

Prosecutor Riel Karmy-Jones had told the jury: "The motive is one of greed. Had they succeeded, had Rose come to the UK for a period of a year, she would have worked for what can only be described as a pittance."

She said the plan was hatched in May 2011 at a secure compound where government staff were posted.

"They hit upon a plan that their Nigerian nanny and maid Rose would be the ideal candidate to continue to look after their son when Natasha worked in London."  

Mooney submitted the form on May 25 last year, together with a copy of the maid's contract claiming she had been working for the couple since May 10, 2010.

Miss Karmy-Jones told jurors that Ms Inah had only been working for the couple since November 2010 - six months less than they had written on her visa application.

Their application attracted the attention of visa issuing officer Lindsey Moore, who knew the couple and recalled a visiting their flat in the autumn of 2010 - and at the time the couple were annoyed at another unreliable maid they had employed.

Mrs Moore is then said to have heard that the couple had sacked the unreliable maid shortly afterwards and found a replacement called Rose - months later than claimed on the application form.

An interview with the former maid, and Mooney's staff emails confirmed the date of the Miss Inah's appointment.

The prosecutor claimed that the cost of child care in London had been an issue when the couple were transferred back to the UK.

Mooney, of St Andrews Road, Coulsdon, Surrey, admitted assisting unlawful immigration, while Vukic, of the same address, was cleared of the charge.

Monday, October 08, 2012

Conversation with a Facebook fraudster


If a friend of yours on Facebook is asking you to send him phone credit urgently, activate your anti-fraud mode instantly, because chances are that he is a clone of your friend.

 
I’ve just concluded the conversation below with a fraudster who apparently has hijacked the account of an old time friend.

 
He has tried since Friday, October 5 to hold a conversation with me, but I’d been too busy.

 
Today, he tried again and made his request for a N2000 credit because he was in a meeting and he needed the airtime urgently. Snag was, the Ibe that I know (surname withheld) is a proud man, and would not request for a recharge card from anyone even if his life depended on it. Okay, maybe that’s exaggerated, but you get the picture.

 
Secondly, he was supposed to be in a high profile meeting, yet he was on Facebook for hours.

 
I offered to share him some of my credit, knowing that for that to happen, he would have to send me his number. He saw through that and declined. He instead requested me to send it through Facebook! He soon realised he was not going to 'hammer' and went offline.

 
Our youths want to be rich by all means and anyone or anything, is fair game. If they are not masquerading as a lady who needs love, they are hijacking the identity of others to dupe people. It’s the tragedy of a highly commercialised society, where people are not respected unless they have money, regardless of whether the money was ripped off a fellow man/woman.

 
This growing tribe of young swindlers are increasingly destroying trust and making the world a cruel place for the trusting and the dull.

 
May God help us.

 The conversation via Facebook chat

Ibe on Oct 5: Hello how are you \

 (No answer from me. Too busy to notice it.)

 
Today

Ibe @ 12:21: Hello. How are you doing ?

 
Me@ 12:22: I dey kampe. You nko, bros?
 

Ibe · 12:22: fine where are you right now ?

(Some time lapses, while I attended to other things)

 
Ibe · 14:03: hello
 

Me · 14:10: Bros, no vex jare. Juggling some work here. I'm doing PR now.

 
Ibe · 14:11: i want you to do me a favour right now ?
 

Me · 14:15: What?

 
Ibe · 14:17: I'm in a meeting right now and i want to make some important calls but i don't have much card on my phone i want you to help me with call card

can you help me out ?

 
Me · 14:25: Ok. But to get out to buy it may not be immediately possible, as I'm doing something right now, as I told you. Can I share you some small credit from my credit right now via share and sell?

 
Ibe · 14:26: airtel 2000 send it here

 
(Some time lapses)

 
Ibe: are you there ?