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My First Bank Mastercard Was Hacked In The USA - Business

My First Bank Mastercard Was Hacked In The USA by ga040: 10:43pm On Oct 06My First Bank Mastercard Was Compromised In The United States of America [RESOLVED]

I reside in Lagos Nigeria, I came to United States for Holiday.

My ATM Master Card with 1st Bank [ FIRSTCASH ] number valid thru 12/17 was compromised in NEW YORK and while i was in ATLANTA GEORGIA ,on Tuesday 05/05/20015 which i received an ALERT that i made use of my MASTER CARD which i did not and I made a complain regarding this issue so that my Master Card should be BLOCKED.

The TOTAL money that was remove from my MASTER CARD was #421,341.9 [$2,000 plus] with reference /

MAY-2015 14:02:20 [ 9AM Atlanta time ] By FBN/BEST BUY 00010280/ NEW YORK/NY/U. BAL NGN 153,285.61CR

My Master Card was debited Twice ... I called BEST BUY company about this incident that my MASTER CARD has been COMPROMISED and i was told to contact my Financial Institution.I came back to Nigeria on June 2015 and whereby i have contacted my 1st Bank branch and i was told that the Merchant company decline from refunding money that was compromised from my Account through my ATM card and I was told in my branch that [ 1st Bank ]will not do anything to the money stolen.

Please house i need your help on how to go about to recovery of my stolen money, from 1ST Bank of Nigeria.

Re: My First Bank Mastercard Was Hacked In The USA by eleko1: 10:48pm On Oct 06

U shud have immediately mail/report the issue to First contact.So sad to ead dis

1 Like 1 Share

Re: My First Bank Mastercard Was Hacked In The USA by igbsam(m): 10:50pm On Oct 06This is serious. We need this on the frontpage. I know someone who has experienced this before. Maybe enlightened minds can help op out.

cc: lalasticlacla

Re: My First Bank Mastercard Was Hacked In The USA by ga040: 10:56pm On Oct 06i called and i mailed whereby i was given d chargeback form which i filled and return back to 1st Contacteleko1:

U shud have immediately mail/report the issue to First contact.So sad to ead dis Re: My First Bank Mastercard Was Hacked In The USA by moneybag100: 12:12am On Oct 07

First bank should be liable for this stolen fund....if it was a USA bank that issued the card, I know your charge back would have gone smoothly. Everything with Nigeria is headache. If the merchant didn't want to release easily, first bank can file a case against it.

5 Likes 1 Share

Re: My First Bank Mastercard Was Hacked In The USA by fantazia(m): 7:57am On Oct 07

BRO since first bank wants it the hard way, then u do it the hard way, report the matter to the authorities, to the army or navy barack, then let 5 TO 10 army officers follow you to the bank manager and see if your money wont be returned.

30 Likes 4 Shares

Re: My First Bank Mastercard Was Hacked In The USA by FirstCounsel(m): 4:31pm On Oct 07

Put up a petition via an attorney & copy the CBN. That way u would put 1stbank under pressure

12 Likes 2 Shares

Re: My First Bank Mastercard redirected here Was Hacked In The USA by MurderX: 5:54pm On Oct 07

Front page pls

Re: My First Bank Mastercard Was Hacked In The USA by ga040: 9:19am On Oct 11

THANK YOU ALL FOR YOUR SUPPORT AND ADVICE, MY MONEY HAVE BEEN REFUND BACK TO MY ACCOUNT, I REALLY APPRECIATE YOUR COMMENTS ... GOD BLESS US ALL IJN AMEN.

67 Likes 1 Share

Re: My First Bank Mastercard Was Hacked In The USA by moneybag100: 1:04pm On Oct 11ga040:

THANK YOU ALL FOR YOUR SUPPORT AND ADVICE, MY MONEY HAVE BEEN REFUND BACK TO MY ACCOUNT, I REALLY APPRECIATE YOUR COMMENTS ... GOD BLESS US ALL IJN AMEN.

Good news, how long does it takes? What procedure did you follow. 1 Like

Re: My First Bank Mastercard Was Hacked In The USA by moneybag100: 1:05pm On Oct 11ga040:

THANK YOU ALL FOR YOUR SUPPORT AND ADVICE, MY MONEY HAVE BEEN REFUND BACK TO MY ACCOUNT, I REALLY APPRECIATE YOUR COMMENTS ... GOD BLESS US ALL IJN AMEN.

Good news, how long does it takes and what procedure did you follow?Re: My First Bank Mastercard Was Hacked In The USA by FirstCounsel(m): 9:40am On Oct 14fantazia:

BRO since first bank wants it the hard way, then u do it the hard way, report the matter to the authorities, to the army or navy barack, then let 5 TO 10 army officers follow you to the bank manager and see if your money wont be returned.It doesn't work that way bro. Military officers have no role to play here and can get into serious trouble with the military high command if found to have dabbled in to purely non military issues. I advise the op to get legal advice. Simple 13 Likes 1 Share

Re: My First Bank Mastercard Was Hacked In The USA by Atmmachine(m): 4:34pm On Oct 22When i hear people say that Nigeria is the most corrupt country on earth, I just laugh at them.

USA is the home of theives and scammers.

They don't need to see your debit card or credit card to hack them.

If you make a purchase in any mall or shop and use your debit card to pay, there's what is called a skimmer that records every information on your card.

The hacker will use it on Best buy or Walmart (The easiest shop to scam). They will make a purchase online, they will immediately change the home delivery option to pick up because if the address on the card don't match the shipping address they will not send your item. They will go to Best buy or Walmart and pick up the item they purchased online.

There's a chip in every card that every phone detects automatically that's what apple wallet is, you just show your iPhone to the POS machine and it will detect your card.

I have seen professional scammers here in the USA.

From Tax refund scam to using someone social security card.

Once a person dies, the hackers will hack into the system, collect his/her social security number and sell it to illegal immigrants.

If your card was issued by any USA bank, they will give you back your money even if it is $60, 000

20 Likes 3 Shares

Re: My First Bank Mastercard Was Hacked In The USA by englishmart(m): 4:35pm On Oct 22

what do you intend doing now?

Re: My First Bank Mastercard Was Hacked In The USA by okooloyun1(m): 4:35pm On Oct 22

Someone should please help

Re: My First Bank Mastercard Was Hacked In The USA by NaijaFutbol: 4:35pm On Oct 22

more or

Re: My First Bank Mastercard Was Hacked In The USA by itsIYKE(m): 4:36pm On Oct 22

@op where do we come in in this your dilemma now?

Re: My First Bank Mastercard Was Hacked In The USA by IlekeHD: 4:37pm On Oct 22

The gbagaun on this thread na wa

5 Likes

Re: My First Bank Mastercard Was Hacked In The USA by gurunlocker: 4:37pm On Oct 22

dem don use ur. card do auction

3 Likes

Re: My First Bank Mastercard Was Hacked In The USA by EmagNig(m): 4:37pm On Oct 22That is not new.. And you are not the first person to be hacked..

CHECK MY SIGNATURE IF YOU WANT LAFF TIRE TODAY

1 Like

Re: My First Bank Mastercard visit this site right here Was Hacked In The USA by aieromon(m): 4:38pm On Oct 22fantazia:

BRO since first bank wants it the hard way, then u do it the hard way, report the matter to the authorities, to the army or navy barack, then let 5 TO 10 army officers follow you to the bank manager and see if your money wont be returned.

Not a good advice. A legal process is the best option. 1 Like

Re: My First Bank Mastercard Was Hacked In The USA by Caracta(f): 4:38pm On Oct 22OP, come back here and tell us how the case was resolved.

And what do you mean by hacked in the US? Did you in any way compromise your bank info?

Glad you have your money back. Where is our share?

1 Like

Re: My First Bank Mastercard Was Hacked In The USA by bmxshop: 4:39pm On Oct 22Your Bank need as much information from you as possible to help you.

Lets look at this, did you shop at Best Buy? When last did you shop at New York, Did u make a purchase over the phone, did you use a Compromised system, what sort of Authorization did best Buy get? C.V.V or PIN or Signature. You can Email me via NL and I will get back with help. It happened to me in Amsterdam but mine was a case of system fault. I was charged thrice for an item I bought over 3 consecutive days.

Dealing with chargeback is a pain in the Ass actually. No Merchant wants to be forced to return funds, and in the case of Nigeria- well u know our reputation.

Re: My First Bank Mastercard Was Hacked In The USA by Laredojohn(m): 4:41pm On Oct 22ga040:

My First Bank Mastercard Was Compromised In The United States of America

My is AKINOLA GBENGA ,I reside in Lagos Nigeria, I came to United States for Holiday.

OP SOMETHING SIMILAR HAPPENED TO MY SIS , ITS ANOTHER BANK THOUGH, BUT SHE GOT DEBIT ALERTS FOR TRANSACTIONS IN THE US WHILE SHE WAS IN NIGERIA,THOUGH SHE WAS OUSIDE THE COUNTRY ABOUT TWO ON THS BEFORE BUT NOT US IT WAS UK , POS TRANSACTIONS TOO, WHAT ACTUALLY7 HAPPENED IS YOUR CARD WAS CLONED , THE IT DEPT OF THE BANK MADE A VISA CARD FOR YOUR SAME MATER CARD TIED TO YOUR SAME ACCOUNT NO , WRITE A MAIL TO FIRST BANK HEAD OFFICE AND ALSO MAKE you can try here THEM KNOW U WILL BE REPORTING THIS CASE TO EFCC, SPECIAL FRAUDS UNIT OF THE NIGERIAN POLICE , CBN ,THE FAULT IS FROM THEIR IT PEOPLE WHO HAVE GAINED ACCESS TO YOUR CARD DETAILS AND THEY GIVE IT OUT TO ACCOMPLICES OUTSIDE THE COUNTRY WHO USE IT FOR THOSE ACTS , MY SIS OWN WAS ABOUT CLOSE TO 2M AND THE BANK REFUNDED THE MONEY WITHIN THREE MONTHS 2 Likes

Re: My First Bank Mastercard Was Hacked In The USA by Laredojohn(m): 4:43pm On Oct 22Caracta:

OP, come back here and tell us how the case was resolved.

And what do you mean by hacked in the US? Did you in any way compromise your bank info?

Glad you have your money back. Where is our share?

ITS DONE BY IT PEOPLE IN THE BANKS, THEY HACK INTO CUSTOMERS CARD DETAILS, AND SEND TO THEIR CO FRAUDSTERS OUTSIDE NIGERIA WHO USE IT FOR PURCHASES IN STORES AND ONLINE WITH A CLONED CARD 1 Like

Re: My First Bank Mastercard Was Hacked In The USA by GodMode: 4:43pm On Oct 22

ga040 you see why BVN is a bad idea...

1 Like

Re: My First Bank Mastercard Was Hacked In The USA by engrjosefz(m): 4:45pm On Oct 22

ok

Re: My First Bank Mastercard Was Hacked In The USA by MsNas(f): 4:45pm On Oct 22Normally, the financial institution (either credit or debit) are the ones who are supposed to take control of the situation and rectify the issue.

That being said. It happens like that. It could be different scenarios.

1. You used the card online and you mistakenly hit "Pay" twice at checkout. This has happened to me before. I was trying to buy an airline ticket and my wifi went off immediately I pressed send. Since it didn't go through, I retried it. It was days later that I was checking my credit card bill, when I noticed. I called my credit card company and they told me to call American Airlines. When I did, they told me it was pending at their end, but if the transaction goes through, they will refund me. I was eventually refunded after like 2 days.

2. You used your debit card in-store at best-buy and one fraudulent employee ran your card twice so he/she can pocket the rest. I've heard cases of that happening at Walmart and restaurants. This one is harder to solve and you might not get your money. I used my card to buy gas one day, and after I got the alert for the gas I bought, few minutes later, I got another alert. That was after I had left the gas station. I called my credit card company again, and they said they will open a dispute with the merchant. They did, but the merchant (Chevron) refused to respond on time. The CC providers just removed the charges from my bill. I don't know how they did it

That being said, I always advocate for people to either pay with a credit card or cash. Disputes concerning debit cards are a pain and most times never solved. The US is also notorious for those kinds of card frauds. This is no news.

If your card was issued with a US bank, it would have even been better. Nigerian banks are notorious for frustrating people when it comes to crediting money they overcharged you for. Goodluck dealing with the CSRs at Nigerian banks.

3 Likes

Re: My First Bank Mastercard Was Hacked In The USA by onosprince(m): 4:45pm On Oct 22Re: My First Bank Mastercard Was Hacked In The USA by exhibition(m): 4:46pm On Oct 22cyber crimes can be a menace in this part of the world if not properly checked.

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Contact me now!

1 Like

Can Data Breaches Be Expected From Bankrupt Mortgage Lenders? by Tim Maliyil

The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgage related issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgage related issues do concern information security.

It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mind boggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.

Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred Continental Finance Mastercard the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.

Also, proper disposal requires either time, money, or both. A bankrupt company doesn't have money. It may have time, assuming people are going to stick around, but chances are their shredder has been seized by creditors. People are not going to stick around to shred things by hand, literally.

Aren't there any laws regulating this? Apparently, such issues are covered by FACTA, the Fair and Accurate Credit Transactions Act, and although its guidelines require that "businesses to dispose of sensitive financial documents in a way that protects against 'unauthorized access to or use of the information'" [msnbc.com], it stops short of requiring the physical destruction of data. I'm not a lawyer, but perhaps there's enough leeway in the language for one to go around dropping sensitive documents in dumpsters?

Like I mentioned before, inappropriate disposal of sensitive documents has been going on forever; I'm pretty sure this has been a problem since the very first mortgage was issued. My personal belief is that most companies would act responsibly and try to properly dispose of such information. But, this may prove to be a point of concern as well because of widespread misconceptions of what it means to protect data against unauthorized access.

What happens if a company that files for bankruptcy decides to sell their company computers to pay off creditors? Most people would delete the information found in the computer, and that's that-end of story. Except, it's not. When files are deleted, the actual data still resides in the hard disks; it's just that the computer's operating system doesn't have a way to find the information anymore. Indeed, this is how retail data restoration applications such as Norton are able to recover accidentally deleted files.

Some may be aware of this and decide to format the entire computer before sending it off to the new owners. The problem with this approach is the same as deleting files: data recovery is a cinch with the right software. Some of them retail for $30 or less-as in free. So, the sensitive data that's supposed to be deleted can be recovered, if not easily, at least cheaply-perhaps by people with criminal interests.

Am I being paranoid? I don't think so. I've been tracking fraud for years now, and I can't help but conclude that the criminal underworld has plenty of people looking to be niche operators, not to mention that there are infinitesimal ways of defrauding people (look up "salad oil" and "American Express," for an example). An identification theft ring looking to collect sensitive information from bankrupt mortgage dealers wouldn't surprise me, especially in an environment where such companies are dropping left and right.

The economics behind it make sense as well. A used computer will retail anywhere from $100 Continental Finance Mastercard to $500. The information in it, if not wiped correctly, will average many times more even if you factor in the purchase of data recovery software. Criminals have different ways of capitalizing on personal data, ranging from selling the information outright to engaging in something with better returns.

Is there a better way to protect oneself? Whole disk encryption is a way to ensure that such problems do not occur: One can just reformat the encrypted drive itself to install a new OS; the original data remains encrypted, so there's no way to extract the data. Plus, the added benefit is that the data is protected in the event that a computer gets lost or stolen. However, commonsense dictates that encryption is something ongoing concerns sign up for, not businesses about to go bankrupt. My guess is that sooner or later we'll find instances of data breaches originating from equipment being traced back to bankrupt mortgage dealers.

The stock market is in a tumult. Actually, it has been for about a year, ever since the subprime fiasco (anyone take a look at Moody's performance over the past year?) Now that that particular issue has been beaten to death, other mortgagerelated issues are cropping up. Most of the stuff covered in the media is financial in nature, but some of those mortgagerelated issues do concern information security.

It's no secret that there are plenty of companies in the US that discard sensitive documents by dumping them unceremoniously: leave it by the curb, drive it to a dumpster, heave it over the walls of abandoned property, and other assorted mindboggling insecure practices. In fact, MSNBC has an article on this issue, and names numerous bankrupt mortgage companies whose borrowers' records were found in dumpsters and recycling centers. The information on those documents include credit card numbers and SSNs, as well as addresses, names, and other information needed to secure a mortgage.

Since the companies have filed for bankruptcy and are no more, the potential victims involved have no legal recourse, and are left to fend for themselves. In a way, it makes sense that companies that have filed for bankruptcy are behaving this way. (Not that I'm saying this is proper procedure.) For starters, if a company does wrong, one goes after the company; however, the company has filed for bankruptcy, it is no more, so there's no one to "go after." In light of the company status, this means that the actual person remaining behind to dispose of things, be they desks or credit applications, can opt to do whatever he feels like. He could shred the applications. He could dump them nearby. He could walk away and let the building's owner take care of them. What does he care? It's not as if he's gonna get fired.

Also, proper disposal requires either time, money, or both. A bankrupt company doesn't have money. It may have time, assuming people are going to stick around, but chances are their shredder has been seized by creditors. People are not going to stick around to shred things by hand, literally.

Aren't there any laws regulating this? Apparently, such issues are covered by FACTA, the Fair and Accurate Credit Transactions Act, and although its guidelines require that "businesses to dispose of sensitive financial documents in a way that protects against 'unauthorized access to or use of the information'" [msnbc.com], it stops short of requiring the physical destruction of data. I'm not a lawyer, but perhaps there's enough leeway in the language for one to go around dropping sensitive documents in dumpsters?

Like I mentioned before, inappropriate disposal of sensitive documents has been going on forever; I'm pretty sure this has been a problem since the very first mortgage was issued. My personal belief is that most companies would act responsibly and try to properly dispose of such information. But, this may prove to be a point of concern as well because of widespread misconceptions of what it means to protect data against unauthorized access.

What happens if a company that files for bankruptcy decides to sell their company computers to pay off creditors? Most people would delete the information found in the computer, and that's that-end of story. Except, it's not. When files are deleted, the actual data still resides in the hard disks; it's just that the computer's operating system doesn't have a way to find the information anymore. Indeed, this is how retail data restoration applications such as Norton are able to recover accidentally deleted files.

Some may be aware of this and decide to format the entire computer before sending it off to the new owners. The problem with this approach is the same as deleting files: data recovery is a cinch with the right software. Some of them retail for $30 or less-as in free. So, the sensitive data that's supposed to be deleted can be recovered, if not easily, at least cheaply-perhaps by people with criminal interests.

Am I being paranoid? I don't think so. I've been tracking fraud for years now, and I can't help but conclude that the criminal underworld has plenty of people looking to be niche operators, not to mention that there are infinitesimal ways of defrauding people (look up "salad oil" and "American Express," for an example). An identification theft ring looking to collect sensitive information from bankrupt mortgage dealers wouldn't surprise me, especially in an environment where such companies are dropping left and right.

The economics behind it make sense as well. A used computer will retail anywhere from $100 to $500. The information in it, if not wiped correctly, will average many times more even if you factor in the purchase of data recovery software. Criminals have different ways of capitalizing on personal data, ranging from selling the information outright to engaging in something with better returns.

Is there a better way to protect oneself? Whole disk encryption is a way to ensure that such problems do not occur: One can just reformat the encrypted drive itself to install a new OS; the original data remains encrypted, so there's no way to extract the data. Plus, the added benefit is that the data is protected in the event that a computer gets lost or stolen. However, commonsense dictates that encryption is something ongoing concerns sign up for, not businesses about to go bankrupt. My guess is that sooner or later we'll find instances of data breaches originating from equipment being traced back to bankrupt mortgage dealers.