What Shall I Do with My Bank Account hack?

triumph on 02/12/2022 - 13:08
Last edited 02/12/2022 - 15:20 by 1 other user

Hi all, my bank account was hacked in September.

The hacker made two transfers and stole all my deposit. The first $10K transfer is through PayID, and another transfer of $26K is through normal transfer. I don't know how this happened because I get no alert at all throughout the transfer, neither SMS or email. I noticed this abnormal activity because I received email from the bank mentioning my mobile number was changed a few hours after the second transfer.

The bank successfully stopped the second transfer, but for the first transfer, according to my bank, they can't refund me because the beneficiary's account has insufficient money for the refund. Now more than two months has passed, and I only got $26K back, the bank said they have done their best. Although they didn't say that, but it looked to me, the bank wish me to bear that $10K loss.

Now let's suppose in the worst scenario, if the bank is not going to cover my loss, what shall I do next? Suggestions are much appreciated. I have no experience since this is the first time my bank account was hacked.

Financial

Comments

  • WoodYouLikeSomeCash on 02/12/2022 - 13:18
    +16

    Ombudsman. AFCA.

  • Jimothy Wongingtons on 02/12/2022 - 13:18
    +1

    What scam did they use? Dodgy sms link / dodgy invoice?

    • triumph on 02/12/2022 - 13:48
      +1

      No SMS, no link, nothing with my side.

  • Unorthodox on 02/12/2022 - 13:19
    +4

    From your wording, you seem to be excluding yourself from any responsibility which is important to what you expect as a resolution. I don't really see how your bank account could be scammed vs you either had it compromised or you were the one scammed.

    Obviously the banks have tried to help you and get that $26k back. The lost $10k might just have to be an expensive lesson.

    • triumph on 02/12/2022 - 13:38

      The scammer used telephone banking and made the transfer, that is all i knew about it

      • Ocker on 02/12/2022 - 13:51
        +1

        So how did they know your verbal password?

        • triumph on 02/12/2022 - 15:06

          I don't have a verbal password, they only have a 4-digits pin with telephone banking

      • AndyC1 on 02/12/2022 - 14:19

        How did they change your SMS number?

        • triumph on 02/12/2022 - 15:07

          Mysterious to me as well

          • GOCAT9 on 03/12/2022 - 21:27

            @triumph: This is not uncommon, it happened to me-see my post under GOCAT9. Basically your phone number was transferred to the hacker. This is not the same as ported though!

    • Quantumcat on 02/12/2022 - 13:54
      +2

      A lesson in what? The OP doesn't seem to have done anything wrong. What are you expecting they can do differently next time?

      @triumph can you tell us what you did (if anything) that contributed to this loss? Did you click a phishing link and give them your password or something?

      • Unorthodox on 02/12/2022 - 14:02
        +2

        Story doesn't add up…

        Telephone banking transfers to PAYID and then normal transfer?
        Phone number changed by the person calling up?

        There are obvious gaps here… The story sounds like the scammer impersonated the OP and made the transfers over the phone by calling the bank. How did the bank verify the customer and also how was the phone number changed?

        It's an immediate red flag to change the phone and have phone transfers in one call.

        • CyberMurning on 02/12/2022 - 14:45

          hmm interesting. if (just if) the OP family for example immpersonated, that is totally out of bank's fault, right?
          but also strange no sms alerting OP about the transfer (hopefully OP had it setup)

        • triumph on 02/12/2022 - 15:03

          Strange to me as well, but the scammer have my information through some kind of way, name, address, DOB etc

          • Unorthodox on 02/12/2022 - 15:05
            +9

            @triumph: If it's all done over the phone, ask for the call recordings and then you'll have definitive proof of whether they/the bank dropped the ball

          • ShannonN on 03/12/2022 - 21:33

            @triumph: are you with Optus for anything, is you phone number with Medibank/Medicare?

      • triumph on 02/12/2022 - 15:10

        The only lesson I learned is keep your personal information safe, but are these companies like Optus, Medibank or AHM take these personal information seriously?

        • Quantumcat on 02/12/2022 - 16:21
          +3

          So are you saying the scammer knew absolutely nothing about you except for publicly available information and they were able to transfer money out of your account?

  • Muzeeb on 02/12/2022 - 13:38
    +7

    What is the full story please?

      • Settero on 02/12/2022 - 14:15
        +1

        If you are saying scam , that means your bank believes you had involvement in allowing this transaction to occur you may have been tricked into it, so without giving more information no one can provide you a correct answer. Scams are not generally covered by banks , most have only a fraud guarantee.

        • triumph on 02/12/2022 - 14:37

          Probably I should not use the term "SCAM". I am not involved in the whole process, no link no SMS

          • zonra on 02/12/2022 - 14:43
            +4

            @triumph: You will get more useful responses when you stop giving cryptic answers.
            Just lay out the facts in chronological order, including what you did or didn’t do leading up to the events.
            Based on the current provided info my best attempt will be either “42” or “The red one”.

            • triumph on 02/12/2022 - 14:51
              -8

              @zonra: I don't want to disclose the procedure in case someone use the same way to hack other's bank account. Now the bank has realized the holes on their banking and take extra measures.

          • CyberMurning on 02/12/2022 - 14:48

            @triumph: people just want to know if you had clicked a doddgy link, or thing like that.. not the full story as of your address or bank name. most scams were a result of users fault at first (disclosing/letting). then the victim will say why the bank doesnt not do that this that

            • triumph on 02/12/2022 - 14:55

              @CyberMurning: No click of phishing links or SMS, nothing at all from my side. No disclose of pins, and even I don't know I have a telephone banking pin with the bank which was set more than 10 years ago.

      • AndyC1 on 02/12/2022 - 14:20
        +1

        Then why the request when people do not have the full story?

      • bobbified on 02/12/2022 - 14:32
        +1

        What Shall I Do with My Bank Account Scam?

        How T FK are we supposed to know if you don't tell us the full story?

        • triumph on 02/12/2022 - 14:44
          -4

          I am 100% sure I am not involved. However, you know Optus or AHM cybercrime, you know the bank use the same information to verify your own details?

          • Settero on 02/12/2022 - 15:03
            +1

            @triumph: Lol, no banks use part of that to bring up your profile then ask bank specific questions, you need to speak with your bank to find out exactly what happend , ask for a fraud report to be raised , when you get the outcome they will tell you why you have not been reimbursed/declined your claim.

            The whole , I don't know how it happend is super suspect , banks with fair accuracy can tell you how it happed.

    • GG57 on 02/12/2022 - 13:49
      +13

      ?

      • kerfuffle on 02/12/2022 - 14:07
        +5

        I get that a lot when reading his comments.

        • payless69 on 02/12/2022 - 20:55
          -2

          the dumbing down of the masses is working well.

          Actually had 6 scammers calling me today so where will it all end?

      • Muzeeb on 02/12/2022 - 14:12
        +8

        Lol. Boomer rants are very confusing.

        • Ramrunner on 05/12/2022 - 18:40
          +2

          Woah don't lump me in with that lunatic you ageist!

    • CrowReally on 02/12/2022 - 14:13
      +2

      PARKLIFE

    • pegaxs on 02/12/2022 - 14:18
      +4

      Cant wait for your range of "I did that!" Albo stickers to slap on ATM's.

      • DashCam AKA Rolts on 02/12/2022 - 14:49
        +2

        Does it come with a Make Australia Great Again cap?

    • cashless on 02/12/2022 - 16:03
      +2

      I actually read that comment twice thinking there might be some logic behind it.
      But no, it got worse second time

    • Iwantthebestprice on 02/12/2022 - 17:08
      +1

      Completely 100% agree

    • Baysew on 03/12/2022 - 11:08

      More thoughts from Bob Katter

    • dm02 on 04/12/2022 - 00:25

      What cave language are you muttering

  • CyberMurning on 02/12/2022 - 14:52
    +17

    sharing something.
    this is ANZ. omg cant be bigger than big 4 banks, right

    using the app, it has contact us which made a phone call from the app. very cool secure feature we think….
    got through. local staff, little asian accent, all good.
    she asked may i help. can i know you name. i said my name.
    then she was like:
    is this your phone number xxxxxx
    is this your home address xxxxxx

    i said the fxxxx! are you verifying me or giving my details to whoever on the other side of the phone ? i dont need to hear my own data
    seriously~~ what if im the scammer now i know more thanks for the bank help

  • Muzeeb on 02/12/2022 - 15:19
    +4

    TIL - telephone banking is still a thing

  • randomusername2017 on 02/12/2022 - 15:42
    +1

    Do you have a zip account?

  • DoctorCalculon on 02/12/2022 - 19:19
    +3

    OP, the name of the bank, please.

    The details you provide are so full of holes, I don't think anyone can help you here.

  • Hearthstone on 02/12/2022 - 21:56
    +2

    Which banks ?
    Name the bank and some of us will know if it is real or fake

    • DoctorCalculon on 03/12/2022 - 21:07
      +4

      OP comes here to ask for help.
      Doesn't give us the whole story, or at least even the name of the bank.
      What a waste of everyone's time!

  • borgainerz on 05/12/2022 - 12:13

    reddit /r/legaladvice

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