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Notifications of someone trying to access my banking app

Posted on 5/28/24 at 2:18 pm
Posted by High C
viewing the fall....
Member since Nov 2012
57367 posts
Posted on 5/28/24 at 2:18 pm
I got two notifications over the holiday weekend of someone unsuccessfully trying to access my bank account through my app. The instructions were to notify the bank if I expected fraudulent activity. That was impossible until today because of the holiday weekend.

I have now notified the bank, followed their instructions to change my password, and ensured that this has been noted in my account. Am I good now? Also, is there any way to determine the IP address that those attempts came from? I asked the bank, and they said that they don’t track IP addresses.
Posted by TheHarahanian
Actually not Harahan as of 6/2023
Member since May 2017
21565 posts
Posted on 5/28/24 at 2:20 pm to
If you got email notifications, those emails are frequently scams to lure you into clicking a button in the email and providing your credentials to a fake website.

I’ve gotten notifications from banks where I don’t have accounts. Scams
This post was edited on 5/28/24 at 2:21 pm
Posted by CAD703X
Liberty Island
Member since Jul 2008
86702 posts
Posted on 5/28/24 at 2:20 pm to
did you also get a notification that you had watched a horror movie on netflix?
Posted by lsuguy84
CO
Member since Feb 2009
24890 posts
Posted on 5/28/24 at 2:22 pm to
Should’ve changed over to Patriot Federal Credit Union, mate
Posted by High C
viewing the fall....
Member since Nov 2012
57367 posts
Posted on 5/28/24 at 2:23 pm to
quote:

If you got email notifications, those emails are frequently scams to lure you into clicking a button in the email and providing your credentials to a fake website.


No, I’m familiar with those. First notification in each instance was a text message. An email followed soon after, but no links, just instructions to contact the bank if you suspect fraudulent activity.
Posted by Obtuse1
Westside Bodymore Yo
Member since Sep 2016
28354 posts
Posted on 5/28/24 at 2:26 pm to
quote:

I got two notifications over the holiday weekend of someone unsuccessfully trying to access my bank account through my app.


It is sleight of hand. Jody uses it to hold your attention while he makes a deposit in your wife.
Posted by NATidefan
Two hours North of Birmingham
Member since Dec 2008
36582 posts
Posted on 5/28/24 at 2:26 pm to
quote:

I have now notified the bank, followed their instructions to change my password, and ensured that this has been noted in my account. Am I good now?


set up two step verification if possible.
Posted by GrammarKnotsi
Member since Feb 2013
9840 posts
Posted on 5/28/24 at 2:28 pm to
quote:

I have now notified the bank, followed their instructions to change my password, and ensured that this has been noted in my account. Am I good now? Also, is there any way to determine the IP address that those attempts came from? I asked the bank, and they said that they don’t track IP addresses.



when people ask me why i dont use a local/small town bank, these are always my reasons
Posted by kywildcatfanone
Wildcat Country!
Member since Oct 2012
130071 posts
Posted on 5/28/24 at 2:29 pm to
Emails are probably scams.


But I am needing cash to buy some land, so....
Posted by High C
viewing the fall....
Member since Nov 2012
57367 posts
Posted on 5/28/24 at 2:32 pm to
quote:

when people ask me why i dont use a local/small town bank, these are always my reasons


There are definitely pros and cons for both. I have been very happy with this small, regional bank. This is the first incident of any kind that I’ve had in ten years.
Posted by GrammarKnotsi
Member since Feb 2013
9840 posts
Posted on 5/28/24 at 2:47 pm to
quote:

This is the first incident of any kind that I’ve had in ten years.


that you know of
Posted by High C
viewing the fall....
Member since Nov 2012
57367 posts
Posted on 5/28/24 at 2:50 pm to
quote:

This is the first incident of any kind that I’ve had in ten years.

that you know of


I guess that’s fair. If there have been any others, they haven’t cost me any money.
Posted by ChatGPT of LA
Member since Mar 2023
2396 posts
Posted on 5/28/24 at 3:04 pm to
quote:

pros and cons


Nope. Those local advantages are gone

quote:

very happy

quote:

first incident


There are ZERO times I have no service, especially with fraud, using big boy like Chase

Don't believe a fraud alert unless u login to app and see security notification there.

Two step authentication
Text alerts from unrecognized device
Text alerts.for certain txn criteria
CHANGE YOUR EMAIL PASSWORD OF ANY EMAIL TIES TO ACCOUNT

And for fricks sake, use a freaking VPN at all times. It's access to all of your finances that you're leaving unprotected!
Posted by KiwiHead
Auckland, NZ
Member since Jul 2014
32816 posts
Posted on 5/28/24 at 3:08 pm to
Yeah, that was me. Could you please click the link and verify your checking and savings account.....and routing number please.

I'm working as a third party vendor to your bank. Hurry up you don't want to get locked out of your account.


For your protection, of course.
Posted by DVNO
Four Capital Letters
Member since Jun 2013
379 posts
Posted on 5/28/24 at 3:11 pm to
quote:

I asked the bank, and they said that they don’t track IP addresses.


They track IPs, they just don't give that info out to the public. How else do you explain whenever you log in from an unkown device or different IP it asks for a secondary verification like text or push notification.

I would speak to their security or fraud department and just tell them it wasn't you, lock your account, change your password, and hold on to your butt.
Posted by Grigio
Member since May 2023
616 posts
Posted on 5/28/24 at 3:19 pm to
quote:

No, I’m familiar with those. First notification in each instance was a text message. An email followed soon after, but no links, just instructions to contact the bank if you suspect fraudulent activity.



Many, if not most, large institutions have had data breaches over the last 20 years. Your name, phone, email, passwords, social security number, address, family members names, birthday, etc are all out there for whoever wants it.

Someone probably bought a list and has a bot trying all of the email/password combos to see if they get lucky.

Check your email on haveibeenpwned.com to see which companies have leaked your data.

If the email you use with the bank has ever been leaked anywhere then it will always be a target for scammers. Best to create a brand new email that you only use for banks/financial/insurance with a unique and random password for each company, and setup two factor authentication.

The good news is most shady characters run a bot for this stuff and if they don't get in they move on, counting on at least a certain percentages of accounts to still have the same leaked credentials. But your bank will still send you a notification that someone tried to access your account.
Posted by lostinbr
Baton Rouge, LA
Member since Oct 2017
11704 posts
Posted on 5/28/24 at 3:21 pm to
quote:

when people ask me why i dont use a local/small town bank, these are always my reasons

Are you referring to his note about tracking IP addresses? Because if so, the big national banks aren’t much better. They might track all of that info but they have zero interest in providing it or otherwise assisting with any sort of active fraud prevention on the part of the customer.

Fun story, someone opened a bank account in my wife’s name, in another state. Then they transferred several thousand dollars out of our joint account, turned around and withdrew it as cash. This is Chase.

It eventually gets flagged as fraudulent activity (of course not until after they have the cash). We go in and sit down with a banker to sort it all out. They change our account numbers and issue new cards. We start asking questions:

How does someone 1,000 miles away open an account in her name (when she already has a long history with them in LA) without raising an immediate red flag? They can’t say.

How does someone then transfer thousands of dollars and withdraw it all the same day without raising an immediate red flag? They can’t say.

How, exactly, did they gain access to our joint account after opening the new account? They can’t say.

What documentation/information did they provide at the other bank? We need to know exactly what info is compromised. SSN? Account #? Debit card #? DL #? DOB? Were there any security questions compromised? They can’t say.

Will we receive any further information once Chase completes their internal investigation? No.

We got our money back but they had zero interest in providing any information that could help us determine our risks moving forward.
Posted by fallguy_1978
Best States #50
Member since Feb 2018
51482 posts
Posted on 5/28/24 at 3:24 pm to
They aren't going to put any effort into catching them. Someone recently stole my credit card number and paid their damn bills with it. It seems like that would be pretty easy to track down, but I doubt they even try.

Turn on multi factor.
Posted by ChatGPT of LA
Member since Mar 2023
2396 posts
Posted on 5/28/24 at 5:46 pm to
Inside job bruh. If not, someone absolutely had an id. And definitely had to have her ssn.

Get lifelock, or like me Aura. These things scan weekly for accounts opened, hacked, etc etc.

I'm floored when people don't use a vpn, Aura, and available alerts from Chase.
As stated before, change the password to your email accounts also. You should have recueved welcome emails etc.

I'm leaning inside job somehow
Posted by EFHogman
Member since May 2016
632 posts
Posted on 5/28/24 at 6:01 pm to
Would consider freezing all my accts w all credit agency's. It's easy to unfreeze if needed.
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