Author Topic: ATM Fraud  (Read 22386 times)

pumpkin13

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ATM Fraud
« on: March 16, 2013, 12:58:06 am »
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brattybrat01

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Re: ATM Fraud
« Reply #1 on: March 16, 2013, 09:14:02 pm »
Nangyari narin ito sa father ko year 2010. Akin nga lang un atm na gamit niya. It was a weekend then magwithdraw siya sira un isang atm machine ng PSbank so lumipat siya sa kabila ayun may kasunod daw siya na lalaki. Pagpasok ng card and then pag input ng pin kinain un atm card then un kasunod niya sabi hanapin daw un guard ayun namental block ang father ko umalis siya saglit sa harap ng atm and then tinawagan niya agad iyong bank para macancel un atm card pero in the evening when I checked via online nawithdraw from my atm 30k in a span of 30 seconds sa malapit lang na atm machine na iyon nawithdraw nila maximum per day is 30k diba ayun. Lahat ng pinagpaguran ng ilan buwan in a span of 30 seconds nawala. :( Inisip ko nalang na I just donated it/ :( :-\ :-\
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17arci

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Re: ATM Fraud
« Reply #2 on: March 18, 2013, 08:27:22 am »
@pumpkin13 scary. nakakapagtaka lang dun, bakit di pa sila nagtaka after 3 withdrawals. tapos diba 50k lang per day yung limit? alam ko kasi max of 2 withdrawals per day lang or 50k. unless iba pag Unibank. :-S

BDO pa naman din yung ATM account ko. although ngayon kasi once na napansin nila na suspicious yung withdrawal, bina-block na nila yung ATM account. ma-unblock lang yun pag pumunta ka sa branch kung san ka nag-open.

Dalawang officemates ko na-block yung cards nila because of suspicious activity. wala naman nabawas sa pera nila.
« Last Edit: March 18, 2013, 08:28:57 am by 17arci »

tomatostellar

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Re: ATM Fraud
« Reply #3 on: March 18, 2013, 10:20:57 am »
dami na nga talaga manloloko ngayon. katakot. jusko i-save mo sa bank tapos ganon naman mangyayari
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princess jaz

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Re: ATM Fraud
« Reply #4 on: March 21, 2013, 09:44:52 am »
eto naman nangyari sa akin before...
nagwithdraw ako sa ATM ng BDO.
nakapag-PIN ako, at nakapag-enter na amount for withdrawal.
pero bigla nag-appear na error daw.
wala pera lumabas, atm lang.
wala din receipt.

ang mali ko, di ako nagbalance inquiry.
i left the atm machine. sa ibang account na ko nagwithdraw.
after a week pa ko nakapagcheck, to my shock, bawas yung balance.
i checked with BDO, sabi nila, successful naman daw yung transaction, based sa record nila.
but they didnt showed the record.


chicafabulosa

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Re: ATM Fraud
« Reply #5 on: March 21, 2013, 09:49:56 am »
It happened to me rin. Sabi rin nila sa akin no error daw sa pagpasok ng pin ko. Although its just 3k, di sila nagduda na 2k sa isang mall then another withdrawal sa isang mall again. Magkaibang malls. When i dispute sabi ng investigation team nila successful daw yung pagpasok ng pin. No error.

Di ko na sila kinulit. Mahirap makipagtalo sa kanila for sure talo rin ako. Bdo yung atm btw
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bratty

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Re: ATM Fraud
« Reply #6 on: March 21, 2013, 10:06:48 am »
same tayo @princess jazz pero ako dali-dali nagpunta ng mall para tumawag sa hotline nila. di rin ako nakapag-balance inquiry kaya di ko kabisado ang outstanding balance ng account ko. sobrang takot ko nun kasi nasa 18k yata ang dapat ko withdraw-hin. so ayun, tumawag ako sa hotline ng BDO using payphone, eh dami pa ads before ka makausap, paubos na barya ko... sabi ko dun sa CSR na nakausap ko, tawagan nyo ako kasi payphone lang gamit ko at wala na ko barya. tumawag naman sila at thank God di naman daw successful ang withdrawal ko. mula nun, balance inquiry talaga muna ako bago magwithdraw, kahit dito sa Sg ganun na din ginagawa ko. Mahirap na.
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Princess_Chill

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Re: ATM Fraud
« Reply #7 on: March 30, 2013, 04:51:53 am »
nakakatakot....ano ba protection natin dito?

hard earned money ang sinesave natin dito hindi naman pinupulot pera e....

alam ko na feature itong topic na ito ni ted failon too bad hindi ko napanuo...

sa mga nakapanuod share naman dito...

also is there a guarantee na mababalik pa satin ng bank? kahit na 1k lang iyon or any amount
pinagpawisan natin iyon diba?
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Girltalker2

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Re: ATM Fraud
« Reply #8 on: March 30, 2013, 10:38:12 am »
sa pilipinas lang ba ito?

so lesson is not to keep a huge sum of money in your savings/atm account?  best is to just keep a passbook account?

tapos just make withdrawals na Over the counter (may charge ba ito) o di kaya sa familiar ATMs lang (ATM ng branch ng banko mo)? 

what are the measures/suggestions to prevent your ATM account from being cloned?
« Last Edit: March 30, 2013, 10:40:33 am by Girltalker2 »

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Re: ATM Fraud
« Reply #9 on: March 30, 2013, 11:28:24 am »
^nangyari na rin dati sa Dubai ito, [textspeak!] officemate ko na jordanian nagtaka sya buong sweldo nya nalimas 70k ang total 10k per transaction for 2 days, nireport nya kaagad sa bank. Pinakita nya sa akin yung statement nya somewhere in q.c nawithdraw at supermarket ang nakalagay, di ko kabisado [textspeak!] name ng tindahan. Nasoli naman sa kanya yung pera, nakakahassle at nakakatrauma ang mga ganong pangyayari.

freelancer_babe

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Re: ATM Fraud
« Reply #10 on: March 30, 2013, 11:59:03 am »
nakakatakot....ano ba protection natin dito?

Nope, wala. Just be very vigilant kung may transactions via ATM. Best to enroll the account in online banking para madaling makapag check ng transactions.


also is there a guarantee na mababalik pa satin ng bank? kahit na 1k lang iyon or any amount
pinagpawisan natin iyon diba?

So far, sa lahat ng mga nagshare ng experience (even with other forums) naibabalik naman ang amount. But of course it's a hassle.


sa pilipinas lang ba ito?

so lesson is not to keep a huge sum of money in your savings/atm account?  best is to just keep a passbook account?

tapos just make withdrawals na Over the counter (may charge ba ito) o di kaya sa familiar ATMs lang (ATM ng branch ng banko mo)? 

what are the measures/suggestions to prevent your ATM account from being cloned?


sa pilipinas lang ba ito?

Nope. Actually the ones who are doing this is an international syndicate na mga foreigners. It has been long ongoing sa mga first world countries. Ngayon naman target naman nila ngayon ang Pinas kasi dumadami na ang ATM users tapos hindi pa ganun ka-secure ang mga ATMs natin (before the banks started installing that ATM shield sa mga ATMs).


so lesson is not to keep a huge sum of money in your savings/atm account?  best is to just keep a passbook account?

Pwede rin. But again, this might not be the best solution for all. Especially for people who rely on a ATM card to pay stuff, or even receive huge amount of remittances - possibly stuff that costs several thousands of pesos such as appliances.

Even passbook holders aren't safe. Nasa news rin naman for a long time yung mga nagmamatyag ng mga depositors na nawithdraw ng malalaking cash and hand carrying these galing sa passbook accounts nila. Hinoholdap sa daan, or worse, papatayin pa.

tapos just make withdrawals na Over the counter (may charge ba ito) o di kaya sa familiar ATMs lang (ATM ng branch ng banko mo)? 

Yes, may OTC charge ang karamihan ng mga ATM accounts and it is not cheap - typically P100 per withdrawal. Kaya di practical na mag-over the counter rin. Not to mention those crazy lines sa teller. Ubos oras na.

Pero maganda ring advice to limit withdrawals sa mga ATMs na nasa tabi na ng bank branch nito - because these ATMs are frequently inspected and visited by bank personnel. Di tulad ng remote ATMs. At least the incidence of fraud is minimized (but this is not 100% guaranteed).

what are the measures/suggestions to prevent your ATM account from being cloned?

Takpan ang kamay whenever you type the PIN - in an ATM and on POS terminals na rin.

Don't let others take a picture of your entire card front and back - lalo na kung yung ATM card mo is like a credit card na pwede lang ang signature (most likely these ATMs come with Mastercard or VISA logos).

Just take ATMs that you only need. Leave others at home. Kung mawala ang wallet, per card yan na kailangang palitan and it could be expensive.

Avoid withdrawing at remote ATM machines (i.e. those ones that are away from the bank). Stay away from dilapidated ATMs and non-well-lit ATMs as well.

Inspect ATMs for any ATM skimmers. Look around the machine for any cameras (pinhole pa ang mga ito). Here's a good guide: http://www.commbank.com.au/personal/apply-online/download-printed-forms/ATM_awareness_guide.pdf



Kaya di talaga maiiwasan ang fraud hangga't gusto ng mga taong makapangnakaw. Habang pa-improve nang pa-improve ang security, the hackers will always find new exploits para magkapera. We just have to be very vigilant.
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Princess_Chill

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Re: ATM Fraud
« Reply #11 on: March 30, 2013, 02:26:35 pm »
hai naku dami fraudsters talaga.

Kailangan talaga doble ingat.

What if manakaw wallet mo and they were able to widraw money from your atm or use it as a debit card
mababalik parin ba saatin pera? Lets say nanakaw iyong wallet mo ng 2 then nareport mo naman agad ng 2:30 but may transactions na with that interval
may habol parin ba tayo?
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freelancer_babe

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Re: ATM Fraud
« Reply #12 on: March 30, 2013, 03:08:23 pm »
What if manakaw wallet mo and they were able to widraw money from your atm or use it as a debit card
mababalik parin ba saatin pera? Lets say nanakaw iyong wallet mo ng 2 then nareport mo naman agad ng 2:30 but may transactions na with that interval
may habol parin ba tayo?

Siguro may habol pa. The earlier the report, the better.

Also pa-blotter na rin yang incident sa nearest police station.

And, never ever make the mistake to place any copy of the PIN inside the wallet. O kaya gamitin ang birthdays for the PIN.

Twice na akong nadukutan. But on those incidents bumalik ang wallet ko along with the IDs and ATM cards. Yung pera lang ang kinuha. Siguro kasi di talaga madaling i-figure out ang ATM PIN.
« Last Edit: March 30, 2013, 03:10:33 pm by freelancer_babe »
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khriseeee

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Re: ATM Fraud
« Reply #13 on: April 02, 2013, 09:11:45 pm »
Just happened again with BDO with the payroll account of my company. We got paid out 14th month bonus right before the Holy Week and my teammate lost the entire amount. Waiting to hear back from BDO.

cheezecake

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Re: ATM Fraud
« Reply #14 on: April 08, 2013, 02:24:46 pm »
nakakaloka naman pero alam niyo mga atm machines may mga camera kaya pwede mong hingiin yung video kung sino ang nagwithdraw atleast you would know kung sino ang nagwithdraw or kung lumabas mukha mo pa rin sa video then possible na thru computer ginawa ito. I remembered 2 instances na pwedeng maglink sa ganito.

First, My ex officemate lost her money and still have her ATM card and she asked BPI to checked the video ayun yung best friend pala niya ninakaw yung ATM niya then ibinalik sa wallet niya yung card right after.

Second, Mga officemates ng husband ko BPI payroll nila nawala yung mga sweldo ng mga officemates niya ang lalaki pa naman ng sweldo nila.

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Re: ATM Fraud
« Reply #15 on: April 14, 2013, 07:29:26 pm »
yung friend ko na ATM fraud.

my friend and his bank checked the CCTV video of the atm machine where the mysterious withdrawals were made

the withdrawals were made by a Foreigner.

Puti.
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cheezecake

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Re: ATM Fraud
« Reply #16 on: April 14, 2013, 10:40:51 pm »
should we abandon our ATM?  ;D

Yesterday, I went to my dentist the other patient told the dentist yung friend daw niya nagwithdraw tapos walang lumabas na pera.  He forgot to check the balance of it right away, paguwi niya he checked it thru the internet 0 balance na.  Lumalala na ito.

@akthung yung sa officemates ng hubby ko parang hindi din taga dito yung gumawa.

Ang tanong wala ba tayong habol sa mga ganito?  Dahil ba pwede natin ibigay ang ATMs natin kahit kanino??? Haay...I heard a story na different location same time na withdraw yung pera wala pa rin bang habol yun?

akthung

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Re: ATM Fraud
« Reply #17 on: April 15, 2013, 08:37:13 am »
dami talaga T....do sa pinas. kaya hirap umasenso ang bansa.

kaya hindi mo masisi minsan kung masahol din ang customer service ng isang companya
sa dami dami ng manloloko, they have to be hard in order to weed out the pretenders.


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roxybrat

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Re: ATM Fraud
« Reply #18 on: April 15, 2013, 12:51:45 pm »
Nakakatakot nga talaga to ngaun,, bdo account rin ako,, ang ginagawa ko ngaun nag open ako ng checking account since wala ako atm para sa checking account, dun ko nilalagay yun pinaka savings namen
ni hubby.. Yun sa savings account ko naman ang iniiwan ko lang un monthly budget..
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freelancer_babe

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Re: ATM Fraud
« Reply #19 on: April 15, 2013, 04:51:33 pm »
ATM cards to be replaced?

Source: click here

Quote
MANILA, Philippines - A plan to replace all existing automated teller machine (ATM) cards is in the works with monetary authorities and the banking industry looking at tighter security features to “minimize” hacking incidents.

“In principle, new cards are needed and the ATM itself needs to be recalibrated for the new cards,” BSP managing director Johnny Noe Ravalo told The STAR in an e-mail last week.

“Because of the nature of the change, it will take some time to get this fully operational,” he added.

Lorenzo Tan, president of the Bankers Association of the Philippines (BAP), confirmed the plan, saying banks would be ordered to issue cards with the new security feature known as Europay MasterCard Visa (EMV) electronic chips.

“The BSP is looking at mandating EMV compliance for ATMs and cards. The latest ATMs can comply with this, but the older versions will entail upgrade costs,” Tan said in a text message.

According to data from the Philippine Deposit Insurance Corp., there were a total of 41.787 billion bank accounts last year, of which 40.115 billion are in pesos that usually entail the use of ATM cards.

There are no official data available on how many ATM cards have been issued, but industry players peg the number between 25 to 30 million. Central bank data, on the other hand, showed there were 12,285 ATM outlets nationwide as of end-2012.

BSP deputy governor Nestor Espenilla Jr. said the new order is still undergoing consultation with the rest of the banking industry. Afterwards, it would be finalized and forwarded to the policymaking Monetary Board for approval.

“The policy proposals, if adopted, will contain time lines (for adjustment to the new system), Espenilla said in a text message.

EMV-enabled cards

The plan is an offshoot of a spate of hacking incidents on ATM users. Such incidents are usually reported to the BSP.

Previously, Espenilla was quoted as saying that the central bank is “aware” of the scam and that it had already alerted the banks about it. Should it push through, the move to require lenders to use EMV cards marks a first for the BSP to tackle the fraud.

Initial moves to counter hacking have been made by the industry. First, they decided to install “shields” to cover the hands of depositors typing in their personal identification number (PIN) from small cameras that may have been installed by hackers.

A detecting device was also installed where ATM cards are inserted. Card readers are said to have been installed by scammers to detect card data, allowing them to inquire about balances and withdraw funds later on.

But EMV-enabled cards are expected to tackle the problem from head to toe. Visa country manager Iain Jamieson, who oversees six million Visa ATM cards in the country, said an ATM card with EMV is “much more secure” than what local banks are issuing now.

The main difference is the place where data is stored. In a regular ATM card, data is easily detected through a black “magnetic stripe” found on the back of the card. In an EMV card, a “chip” is used.

“The strength of a chip card is that the data is dynamic, meaning it changes every time the card is used making it impossible to copy,” Jamieson said in a text message.

Currently though, only credit cards use EMV chips and about 90 percent of point-of-sale (POS) machines in the country can read them.

Jamieson noted the Philippines is the only country in Southeast Asia which does not have EMV in ATM cards. In the same way, “very few” ATM outlets can read EMV-enabled cards, making it really necessary to reformat them.

“The ATM migration however needs to be carefully planned by the local banking industry as the expense of migrating...is considerably more expensive than migrating a POS device,” he explained.

The BSP policy is expected to detail how banks should deal with the costs of upgrade – on whether they will be allowed to pass them to depositors or not.

Supportive

Big banks have started preparing for the adoption of EMV-compliant cards ahead of the BSP issuance.

“We expect to be EMV certified by the fourth quarter. Rollout on all ATMs will follow shortly after,” BDO Unibank Inc. president Nestor Tan said. BDO is the largest local bank in asset terms.

For its part, Metropolitan Bank & Trust Co. – the third largest – said in a statement the lender’s transition to EMV is “under development.” It declined to elaborate.

But while EMV may make ATM cards less prone to hacking, BAP admitted they are not exactly scam-free and said depositor vigilance remains key.

“EMV can minimize fraud unless there is a new scam that will be developed through time,” BAP’s Tan said.
Catch a man a fish and you can sell it to him. Teach a man to fish and you ruin a wonderful business opportunity. (Karl Marx)

 


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