Saturday, 4 December 2021

Phone Thieves, Hackers On The Rise, How They Clean Out Bank Accounts ....Nigerians Warned



For many, Christmas is a period of giving and celebrating with loved ones. On the flip side, there is one group who are much more excited about these busy weeks than the celebration itself: beware to the fraudsters the run-up to Christmas is Christmas, Leadership Newspaper writes

Phone theft in Nigeria appears to be on the rise, especially Androids and iPhones. Perhaps, a more worrisome dimension is that some of the thieves are more interested in SIM cards than the phones. Via access to SIM cards without SIM lock, they hack into the owner’s personal and confidential information such as BVN, and banking details and ultimately, end up defrauding them.

“I took my leave a few weeks ago and I decided to traveled to Lagos, to see my parents, though not my first time. With my back and overload of confidence as if my father is the governor of Lagos State or the popular Nigerian treasurer of the Nigerian Union of Road Transport Workers (NURTW) in Lagos State, MC Oluomo.

“Shortly after our plane landed at the domestic wing of Murtala Muhammed International Airport, I ordered a taxi to take me to Mile 12 Market to buy foodstuff for my parents. Everyone knows how Mile 12 Market can be very rowdy.

“Soon after buying the foodstuff. I was on my way to negotiate a taxi when a middle-aged man bumped into me, claiming he knows that I look like his cousin, and he instantly apologized for the mix-up.

“A moment later, I noticed he had stolen my phone already. I don’t like to talk about it. When I got home, I tried to log in to my email on another phone and all I saw was debit alerts. Till they emptied my account. It was indeed double jeopardy for me. I lost my phone and my account was emptied.

‘’I am still in doubt on how they easily got my pin or phone password. Sadly, I just received my salary and they withdrew all the cash in my account via a POS transaction,’’ said Zainab Hassan as she recalled her encounter with phone thieves in Lagos.

Hassan, who is an online vendor, said she lost N275,000 and her phone in just one night. She added that she did not enjoy her stay in Lagos as her mother and other family members were moody over the sad occurrence.

Unlike Hassan, a student Ms Christiana Adeyemo while narrating her ordeal to LEADERSHIP Weekend said her mother, a civil servant who retired in 2019 received a call from 0814635**** who claimed to be Mr Samuel a Custom Care Agent with Access Bank. She said her mother believed the person calling, thinking they were calling her to rectify her account to receive her pension money.

She, however, said the fraudster who claimed to be a banker asked her mother some questions after which she told her mother to call the number on her ATM and she did.

Luckily, Adeyemo said her mother withdrew the N480,000 out of the N480,600 in her account a day before she received the fraudulent call.

“Instantly they debited her N600. Apparently, the hackers have bought airtime with her money,’’ she said.

She said the hackers called her again asking for her Polaris Bank ATM details again, already there was a debited alert on her phone so she hung up on that person when she saw the debit alert, she ran to the bank to inform the customer care staff who told her that the call was not from them.

She said some bank customers waiting to be attended by the customer service staff were even laughing at her ignorant mother that she has been defrauded of N600.

‘’It is not funny, I don’t blame them,’’ she said.

She added that Nigerians need to be more cautious on Instagram and other social media handles, some criminals do claim that they are a philanthropist on Instagram. They make a post saying: “Drop your account for breakfast or follow this account and win N10, 000.”

In Iyanapaja, Adebanjo Usman learned not to leave his car window open while driving. He said his phone was picked via his window, adding that he became helpless to chase the thief. “I was driving down Iyanapaja. The sun was scorching and there was traffic so I turned the windows down. I dropped my phone on the passenger seat in front absent-mindedly. After a few minutes, a middle-aged man walked up to my side and tried to talk to me about a flat tire.

“Just within a jiffy, I can’t really remember what happened to be honest, all I observed was that my phone had been stolen.”

unwarranted access. He noted that crime in the bustling city of Lagos is something every resident learns to come to terms with.

Moye stressed that pedestrians should stop pressing their phones while walking on the street. He said surfing through social media while on Lagos roads, saying the street is so overridden with gangs.

He said, ‘’Within a twinkle of an eye your phone might be snatched forcefully from you, or even be a victim of an accident probably from a car or bus trying to avoid Lagos State Traffic Management Authority (LASTMA).

‘’Focus on where you are going and don’t get distracted. Phone snatching, burglary, petty theft, and instant scam; these threats follow you around the city.’’

He said getting by safely usually involves recognising the signs that you are in the wrong place at the wrong time.

‘’Receiving or calling someone requires your mental attention and this is because the city moves at a breakneck pace, most small crimes occur in a near-instant. The most frequent of these, understandably, is phone snatching,’’ he said.

He noted that the mode by which this happens varies, adding that sometimes, a motorcycle zooms past and grabs the phone out of their hands.

Moye stated that residents must learn to pick safe spots like restaurants, police stations and libraries which tend to be more suitable for meetings to avoid getting into dangerous situations.

When GSM was introduced in the country, Nigerians must have breathed a sigh of relief when Econet (now Airtel) and MTN Nigeria launched their GSM mobile services in 2001. Truth be told GSM has contributed positively in boosting economic activities in Nigeria sadly, it has led to the upsurge of high-level insecurity in the nation including insurgency, kidnapping and mobile banking fraud.

While kidnapping, insurgency, and SIM fraud loom, the Nigerian Communications Commission (NCC) identified Subscriber Identity Module (SIM) swaps and Unstructured Supplementary Service Data (USSD) e-payment frauds as some of the cyber threats confronting the telecom industry.

This is even as the commission disclosed that attackers target telecom networks with the intent of getting access to consumers’ information in the database of service providers.

The director, Consumer Affairs Bureau of NCC, Efosa Idehen stressed that fraudsters conduct SIM swaps of targeted individuals and then carry out USSD-based transactions to defraud citizens of their money.

Speaking at the maiden edition of a sensitisation programme tagged: “Shine your eyes, no fall mugu”, in Benin City Idehen who was represented by Clement Omife, a deputy director in his department, advised Nigerians to be careful when opening unfamiliar emails.

He also urged Nigerians to be careful while responding to unfamiliar inquiries so as not to fall prey to cybercriminals.

According to him, “These fraudsters do this by stealing victims’ identities- names, address, bank information and other information which they use in gaining access to their victim’s bank accounts.”

‘’They also use the stolen identities to defraud other people and even apply for loans or make online purchases, leaving the victims with debts.”

To empower telecom consumers with knowledge and inform them to be alert not to fall victim to fraudsters, Idehen said the enlightenment programme was organised by the commission in conjunction with the African Entrepreneurial and Human Development Initiatives.


He continued: “As the telecom industry evolves, there are growing concerns over the rising trend of fraud perpetrated on the platform (electronic fraud) across key sectors of the Nigerian economy.’’


Via e-banking, he said the menace, which follows wide acceptance of new methods of mobile money and electronic banking and payment systems, has been discovered to cost the country whooping sums of money.


“It is in view of this and in line with its consumer-centric posture that the commission with relevant advocacy groups, embarked on this sensitisation programme in locations across the country, starting with Benin City, Edo State.”


To tackle the menace of electronic fraud, he noted that effective collaboration between government agencies, private organisations and individuals is pivotal.


How they operate


When a syndicate described as ‘’Digital Thieves’’ led by one Muritala Mohammed alias (swallow) was paraded by the Police in Lagos.


Mohammed, who is a member of a six-man gang, said they are always two in number during operation and a motorcycle rider. The suspect explained that they get the phones via numerous means by tricking their unsuspecting victims. Mohammed said if they have the phone, they will quickly call a motorcycle rider Solomon Dike who is on standby to come around so that they can flee with the phone.


Having picked the phone, he said they hand it over to Muritala ‘’Swallow’’ whose interest is the SIM card, when he gets a hold of it, he sets out to hack the SIM card using a shortcode to check the victims BVN where he receives a message that tells if the SIM is enrolled to a bank account or not, then he proceeds with other hacking tricks using other computer applications.


Mohammed said once he confirms the funds, he sends the money to another suspect Ali Hassan whose job is to provide other account numbers for the transfer. He also explained that he can also get random account numbers from unsuspecting members of the public where he transfers the money into their account.


He said he has mastered how to hack data from Access Bank, UBA and GT Bank. He further said the computer application brings out the account number, Bank Verification Number (BVN), and account name of the SIM card in his possession.


Phone theft in Nigeria appears to be on the rise, especially Androids and iPhones. Perhaps, a more worrisome dimension is that some of the thieves are more interested in SIM cards than the phones. Via access to SIM cards without SIM lock, they hack into the owner’s personal and confidential information such as BVN, and banking details and ultimately, end up defrauding them.


“I took my leave a few weeks ago and I decided to traveled to Lagos, to see my parents, though not my first time. With my back and overload of confidence as if my father is the governor of Lagos State or the popular Nigerian treasurer of the Nigerian Union of Road Transport Workers (NURTW) in Lagos State, MC Oluomo.


“Shortly after our plane landed at the domestic wing of Murtala Muhammed International Airport, I ordered a taxi to take me to Mile 12 Market to buy foodstuff for my parents. Everyone knows how Mile 12 Market can be very rowdy.


“Soon after buying the foodstuff. I was on my way to negotiate a taxi when a middle-aged man bumped into me, claiming he knows that I look like his cousin, and he instantly apologized for the mix-up.


“A moment later, I noticed he had stolen my phone already. I don’t like to talk about it. When I got home, I tried to log in to my email on another phone and all I saw was debit alerts. Till they emptied my account. It was indeed double jeopardy for me. I lost my phone and my account was emptied.


‘’I am still in doubt on how they easily got my pin or phone password. Sadly, I just received my salary and they withdrew all the cash in my account via a POS transaction,’’ said Zainab Hassan as she recalled her encounter with phone thieves in Lagos.


Hassan, who is an online vendor, said she lost N275,000 and her phone in just one night. She added that she did not enjoy her stay in Lagos as her mother and other family members were moody over the sad occurrence.


Unlike Hassan, a student Ms Christiana Adeyemo while narrating her ordeal to LEADERSHIP Weekend said her mother, a civil servant who retired in 2019 received a call from 0814635**** who claimed to be Mr Samuel a Custom Care Agent with Access Bank. She said her mother believed the person calling, thinking they were calling her to rectify her account to receive her pension money.


She, however, said the fraudster who claimed to be a banker asked her mother some questions after which she told her mother to call the number on her ATM and she did.


Luckily, Adeyemo said her mother withdrew the N480,000 out of the N480,600 in her account a day before she received the fraudulent call.


“Instantly they debited her N600. Apparently, the hackers have bought airtime with her money,’’ she said.


She said the hackers called her again asking for her Polaris Bank ATM details again, already there was a debited alert on her phone so she hung up on that person when she saw the debit alert, she ran to the bank to inform the customer care staff who told her that the call was not from them.


She said some bank customers waiting to be attended by the customer service staff were even laughing at her ignorant mother that she has been defrauded of N600.


‘’It is not funny, I don’t blame them,’’ she said.


She added that Nigerians need to be more cautious on Instagram and other social media handles, some criminals do claim that they are a philanthropist on Instagram. They make a post saying: “Drop your account for breakfast or follow this account and win N10, 000.”


In Iyanapaja, Adebanjo Usman learned not to leave his car window open while driving. He said his phone was picked via his window, adding that he became helpless to chase the thief. “I was driving down Iyanapaja. The sun was scorching and there was traffic so I turned the windows down. I dropped my phone on the passenger seat in front absent-mindedly. After a few minutes, a middle-aged man walked up to my side and tried to talk to me about a flat tire.


“Just within a jiffy, I can’t really remember what happened to be honest, all I observed was that my phone had been stolen.”


unwarranted access. He noted that crime in the bustling city of Lagos is something every resident learns to come to terms with.

Moye stressed that pedestrians should stop pressing their phones while walking on the street. He said surfing through social media while on Lagos roads, saying the street is so overridden with gangs.


He said, ‘’Within a twinkle of an eye your phone might be snatched forcefully from you, or even be a victim of an accident probably from a car or bus trying to avoid Lagos State Traffic Management Authority (LASTMA).


‘’Focus on where you are going and don’t get distracted. Phone snatching, burglary, petty theft, and instant scam; these threats follow you around the city.’’


He said getting by safely usually involves recognising the signs that you are in the wrong place at the wrong time.


‘’Receiving or calling someone requires your mental attention and this is because the city moves at a breakneck pace, most small crimes occur in a near-instant. The most frequent of these, understandably, is phone snatching,’’ he said.


He noted that the mode by which this happens varies, adding that sometimes, a motorcycle zooms past and grabs the phone out of their hands.


Moye stated that residents must learn to pick safe spots like restaurants, police stations and libraries which tend to be more suitable for meetings to avoid getting into dangerous situations.


When GSM was introduced in the country, Nigerians must have breathed a sigh of relief when Econet (now Airtel) and MTN Nigeria launched their GSM mobile services in 2001. Truth be told GSM has contributed positively in boosting economic activities in Nigeria sadly, it has led to the upsurge of high-level insecurity in the nation including insurgency, kidnapping and mobile banking fraud.


While kidnapping, insurgency, and SIM fraud loom, the Nigerian Communications Commission (NCC) identified Subscriber Identity Module (SIM) swaps and Unstructured Supplementary Service Data (USSD) e-payment frauds as some of the cyber threats confronting the telecom industry.


This is even as the commission disclosed that attackers target telecom networks with the intent of getting access to consumers’ information in the database of service providers.


The director, Consumer Affairs Bureau of NCC, Efosa Idehen stressed that fraudsters conduct SIM swaps of targeted individuals and then carry out USSD-based transactions to defraud citizens of their money.


Speaking at the maiden edition of a sensitisation programme tagged: “Shine your eyes, no fall mugu”, in Benin City Idehen who was represented by Clement Omife, a deputy director in his department, advised Nigerians to be careful when opening unfamiliar emails.


He also urged Nigerians to be careful while responding to unfamiliar inquiries so as not to fall prey to cybercriminals.


According to him, “These fraudsters do this by stealing victims’ identities- names, address, bank information and other information which they use in gaining access to their victim’s bank accounts.”


‘’They also use the stolen identities to defraud other people and even apply for loans or make online purchases, leaving the victims with debts.”


To empower telecom consumers with knowledge and inform them to be alert not to fall victim to fraudsters, Idehen said the enlightenment programme was organised by the commission in conjunction with the African Entrepreneurial and Human Development Initiatives.


He continued: “As the telecom industry evolves, there are growing concerns over the rising trend of fraud perpetrated on the platform (electronic fraud) across key sectors of the Nigerian economy.’’


Via e-banking, he said the menace, which follows wide acceptance of new methods of mobile money and electronic banking and payment systems, has been discovered to cost the country whooping sums of money.


“It is in view of this and in line with its consumer-centric posture that the commission with relevant advocacy groups, embarked on this sensitisation programme in locations across the country, starting with Benin City, Edo State.”


To tackle the menace of electronic fraud, he noted that effective collaboration between government agencies, private organisations and individuals is pivotal.


How they operate


When a syndicate described as ‘’Digital Thieves’’ led by one Muritala Mohammed alias (swallow) was paraded by the Police in Lagos.


Mohammed, who is a member of a six-man gang, said they are always two in number during operation and a motorcycle rider. The suspect explained that they get the phones via numerous means by tricking their unsuspecting victims. Mohammed said if they have the phone, they will quickly call a motorcycle rider Solomon Dike who is on standby to come around so that they can flee with the phone.


Having picked the phone, he said they hand it over to Muritala ‘’Swallow’’ whose interest is the SIM card, when he gets a hold of it, he sets out to hack the SIM card using a shortcode to check the victims BVN where he receives a message that tells if the SIM is enrolled to a bank account or not, then he proceeds with other hacking tricks using other computer applications.


Mohammed said once he confirms the funds, he sends the money to another suspect Ali Hassan whose job is to provide other account numbers for the transfer. He also explained that he can also get random account numbers from unsuspecting members of the public where he transfers the money into their account.


He said he has mastered how to hack data from Access Bank, UBA and GT Bank. He further said the computer application brings out the account number, Bank Verification Number (BVN), and account name of the SIM card in his possession


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