Internet fraud on my bank account

Shakin_Steve

Did you have your pop up blocker on? These pop ups are a scam.

ianconnelly

Yes I was asked via text messages and yes I did click on that link. I have explained all this to the bank and within 12 hours of doing so I received an email saying case closed. It’s simply amazing the extremity of low level service they have given me. Not only that they have told me my account is to be closed with 30 days and I was to go. Into a branch and withdraw my balance (of which there was still thousands of pounds) in cash at my first available convenience so that’s what I have done 

ianconnelly

I don’t even know what a pop up blocker is and I’m unsure if this is on or not. 

Momanns

Absolutely try and sit down with someone, is there a friend or family member who may be a bit more tech savvy?

I think you need to sit down and go through a timeline...make note of when the strange activity started to occur. From the previous posts, could you have unwittingly provided security information via one of the dodgy pop ups? 

You can register a complaint with Nationwide but need to lay out the facts in as much detail as possible. You can also provide any details you have from the betting companies as Nationwide can also make some enquiries.

ianconnelly

At the moment I am just too overwhelmed with the response from nationwide to think about anything else. They will now not even take a calm from me which is disgraceful. 

robinwales

eskbanker said:

... it sounds like a thorough clean-up will be needed, maybe a factory reset.

I think I would do a factory reset, as it's the only way to be sure it's clean. I used to be a software engineer, and I am very computer savvy, but I nearly fell for a scam last week for £1,500. This is getting to be a major hazard.

eskbanker

ianconnelly said:

At the moment I am just too overwhelmed with the response from nationwide to think about anything else. They will now not even take a calm from me which is disgraceful. 

If they've already said that they won't reimburse you and that they'll be closing your account, then they obviously feel that they have reason to take those actions, but obviously you'll disagree.  As above, there is a difference between fraudulent transactions and fraudulent transactions that a bank has to accept liability for - what else have they mentioned other than the IP address?  Exactly how did the transactions happen ('pushed' faster payments, 'pulled' direct debits, debit card number, etc?) and how were they authorised?

AskAsk

i don't think you have answered the question of whether you have reported this to the police?  you should do so.  i think there is a dedicated fraud/scam site to report this and you will then get a crime reference.

as others have said, it is very difficult to withdraw money from the gambling sites as they only pay it back to the account where the money originates so fraudsters would not be stealing your money and gambling with it.

what you describe does sound very strange and so understandably nationwide has walked away as there is no obvious reason for this fraud.  are you sure someone in your family or friends have not used your phone without your knowledge?

you will have to be patient and wait for the ombudsman to look into it as these things take time.  it is a worrying time to lose so much money but hang on in there, the ombudsman may be able to help.

i don't know much about stealing IP address but it doesn't make sense for someone to steal your IP address as they don't need to for the fraud.

hope you get it sorted as it sounds pretty bad.

cheerfulcat

ianconnelly said:

Thank you. It wasn’t an app. I had a pop up about screen monitoring. I had an alert from Apple stating my i cloud has been accessed from another device, all my passwords have been changed, I’ve been blocked out of various sites due to failed password attempts that weren’t done by myself. I’ve spoken to a cyber security expert who has told me my IP address can be “spoofed” all of this is double Dutch to me and nationwide have slammed the door in my face. I have even contacted the online gambling companies direct and was told today by virgin gaming they believe this wasn’t done by myself and still the bank have said case closed. I need help I simply don’t know what to do anymore 

You could try posting on the techie board, they might have a better idea of what has happened here. https://forums.moneysavingexpert.com/categories/techie-stuff

razord

I can speak a little on the technical side of this as an app developer.

It looks like to me like that alert is just a scam popup, but once clicked redirected the user to the app store to install an app. From there, it could have done all kinds of things. It could have used browser windows to get the victims iCloud password to gain access to that account which were then logged into by the attacker, which would have triggered the warnings from Apple by email.

As for the IP address usage, you can't "steal" someone's IP address, but they could have used that app to load things if installed. iPhone's are very secure, until you let someone in. This seems like a pretty complex case of phishing to me.

If the user didn't install any app, then the only way for the user to be hacked is if they fell victim to a phishing site pretending to be a legitimate service.