Tesco Bank have allowed my entire savings to be transferred out by telephone fraud!

kingrulzuk

I have just opened Tesco account and after reading this thread im little worried now

badger09

Hope these help explain keyloggers and how to get rid of them

http://www.howtogeek.com/180615/keyloggers-explained-what-you-need-to-know/

http://answers.microsoft.com/en-us/windows/forum/windows_vista-security/how-to-detect-if-a-keylogger-is-installed/d14c6cd6-6975-4b25-a2c5-17e5de194b50?auth=1


If you're only running 'basic internet security', you might want to install Malewarebytes and run it regularly. It will not clash with your existing security but can be run in addition to it.

PeacefulWaters

kingrulzuk wrote: »

I have just opened Tesco account and after reading this thread im little worried now

There is a risk of fraud whoever you bank with.

The bank picks up the bill. Not you.

rbh

Thank you Badger!
I've been reading online about keyloggers - if I do have a problem on one or both of my machines, it can only be through malware somehow downloaded on the back of something else (and I hardly ever download anything) as no-one can have possibly ever had access to either machine physically. I'm trying to find a way to check without having to download any software to check it with as I've been reading that some of the keylogger checkers can bring in as bad or worse problems themselves! I wouldn't download the Norton secured one; I still have a Norton Removal Tool that I used to clear that system out when I first purchased each of my PCs over the years. I have always had the free AVG on both and that's always caught and dealt with any suspicious 'threats' that I've known about and with the desktop PC, I have always taken it back to factory condition at least once a year, but I will look deeper and see if I can't locate anything out of the ordinary on my hard drives. I really appreciate you taking the time to help with this.

rbh

Thank you for the reassurance, PeacefulWaters! I do hope Tesco will find the evidence they need and foot the bill - I certainly can't afford to!!

rbh

No I have never been able to check my balance with my ATM/debit card as they only ever sent me a completely illegible PIN number in the first place and despite many months of letters reminding them, they literally only provided a replacement PIN (and cheque book and paying in book and new security access code) last week! I had no way at all to check my account without this and with the online login blocking me. As I said before though, I wasn't overly concerned to get access for any reason other than checking how much interest I had earned up to 5th April as I have to declare that for my annual accounts which became due then. I was never planning to touch the £3000 that I put in the account as it was there solely to attract the 3% interest rate. I'd seen it in my account as cleared funds at the end of Jan/beginning of Feb and I didn't imagine there would be any way that it wasn't still there! I still use my Santander bank account for all my current account needs.

societys_child

kingrulzuk

I have just opened Tesco account and after reading this thread im little worried now

There are many many, many posters on this forum with many Tesco accounts, if there were any exceptional problems, I'm sure we'd have heard.

badger09

rbh wrote: »

Thank you Badger!
I've been reading online about keyloggers - if I do have a problem on one or both of my machines, it can only be through malware somehow downloaded on the back of something else (and I hardly ever download anything) as no-one can have possibly ever had access to either machine physically. I'm trying to find a way to check without having to download any software to check it with as I've been reading that some of the keylogger checkers can bring in as bad or worse problems themselves! I wouldn't download the Norton secured one; I still have a Norton Removal Tool that I used to clear that system out when I first purchased each of my PCs over the years. I have always had the free AVG on both and that's always caught and dealt with any suspicious 'threats' that I've known about and with the desktop PC, I have always taken it back to factory condition at least once a year, but I will look deeper and see if I can't locate anything out of the ordinary on my hard drives. I really appreciate you taking the time to help with this.

Just a thought - what system are you running? I'm assuming its Windows?

This is the website I often use, and have downloaded Malwarebytes from it.

The basic programme is free and safe to use, but you need to watch carefully as at some point it will suggest you try a free trial of the paid for version. That isn't necessary as the free version will do the job.

http://download.cnet.com/Malwarebytes-Anti-Malware-Free/3000-8022_4-10804572.html?!!!!!mncol

rbh

Thank you Badger! Yes Windows on both. XP on the desktop PC and Windows 8 something on the laptop (just about got in before Windows 10 to avoid the Disneyfication of that!). Very reluctant to download anything at all but see there are ways to check in file registry etc. so I will have a deeper hunt on both machines just in case.
Thank you!

Wheres_My_Cashback

rbh wrote: »

I've just discovered to my absolute horror that an identity fraudster using a mobile phone managed to empty out my entire £3000 savings just 21 days after my deposit (a cheque from my Santander account sent by post) cleared in my new Tesco Bank online current account.

I have been unable to access my new Tesco Bank account since around that time and have been writing to them ever since to try to sort out the problems preventing my access and many other errors. Access was temporarily partially solved on Friday afternoon (although lost again immediately after) and I saw my account balance for the first time since early February. The £3000 was missing with no mention that it had ever been there, though I had seen it in my account online when it first cleared and before I lost access. I couldn't print it out then or now because their system wouldn't allow me to log in on my home PC with which my printer works because it is a different device to the laptop with which I registered the account (they are about 10ft apart in adjacent rooms!). I haven't used telephones by choice since 2001 and I have always refused telephone banking as I have always believed it cannot be secure. I have a landline only for broadband access with no 'phone and no mobile (I have an old mobile that has been offline/out of use for 3 years which I can resurrect and whose number I had to include in my online account application, though I chose email and post as my methods of communication, adding a note that I don't have a telephone in use). Tesco Bank know this; it was stated in my online account application and has been restated in every letter I have written to them since.

My Dad lent me his mobile on Friday afternoon so I could call Tesco Bank immediately to see where my money was. I told that a female voice (or a man pretending to be female) who they presumed to be me called them from an unknown mobile 'phone on 18th February, giving the right answers to my security questions (which I have since discovered online are the easiest way in for online hackers), added their mobile number, set up a linked account with Bank of Scotland and instigated a 'fast payment' bank transfer of the entire sum into this BofS account all of which Tesco Bank honoured without questioning!! Words cannot describe how shocked I am that Tesco Bank just facilitated all this and made no check with me by email or post to confirm nor to follow up with any relevant documentation, electronic or otherwise. Nothing about this fraud or any of the associated changes made to my account during it has been mentioned in the replies to my many letters about the various problems and errors with my new account and access to it.

It took me many years to build up this money as I earn only £1500-£2500 per annum from self-employment and receive Working Tax Credit to help pay basic bills. As soon as I topped £3000, I took Martin's advice on this website and chose Tesco Bank current account for my savings because of the 3% interest rate and no need for monthly minimum deposits which I could never guarantee.

Someone is supposed to be calling me back (I've revived the old mobile to receive their call) from Tesco Bank Fraud Department but the chap I spoke to on Friday made it sound like there was little they or the police would be able to do about it. I'm absolutely distraught. I have registered the fraud with Action Fraud online and emailed this website's most relevant news thread about it. I must be protected legally somehow and the Banking Ombudsman will surely be interested in my case if Tesco fail to recover/repay the money they have given away? For one thing, the methods used to conduct this fraud (mobile 'phone, bank transfers, etc.) are so completely against my modus operandi that alarm bells should have been ringing loudly and fraud should have been suspected!

Any help / advice would be very gratefully received!!

Unbelievable, totally unbelievable !