What the HACK??

United States
October 5, 2008 12:45pm CST
I just got a very disturbing e-mail from my bank. It says they have frozen my account because there have been four failed attempts to answer my security question. I thought maybe it was one of those scam e-mails to actually get my information. So, I went on line to the bank's website to check the contact # against the one in the e-mail. It is the same # AND my account is locked! I find this quite disturbing! I tried to call the support # listed, but I will have to do it tomorrow. At leas the account is locked, and safe for now. Have any of you had a problem like this? What did you do?
5 people like this
16 responses
@Hatley (164654)
• Garden Grove, California
5 Oct 08
hi bohemianheart are you sure it wasnt a scam. I have gotten similar emails and they turned out to be scams as the bank does not send out emails like that, at least my bank does not. I hope that yours turns out to be easily fixed. good luck and God Bless
3 people like this
• United States
5 Oct 08
Hatley, I checked the e-mail against the bank's website. It is legit. I even went in to try to see if I could figure it out. My bank has actually locked my account, I can't access anything until I get it straightened out tomorrow. I feel better knowing that the account is locked, and whoever was trying to get in could not. I am sure it will be fine, considering all the access information my bank requires to get into your account. Thanks.*S*
2 people like this
@Hatley (164654)
• Garden Grove, California
5 Oct 08
hi sorry to hear that but at least your account is secure. I alos bank on line and its really very safe too. they are very careful to keep good security. In fact once I took too long to sign in and had to get a special code from them to log back on.so they are verysecurity conscious. one of my friends is afraid of online banking but I have had very good results.
1 person likes this
@relundad (2311)
• United States
5 Oct 08
Don't be so sure that it is not a scam or at least an attempted scam until you speak with the bank. Because the bank normally does not contact you in the form of email. And you also have the problem that someone actually did try to access it. And they have all of these stories about you being re-directed to a website that looks exactly like the one that you are supposed to see. Also they say it is a way to get you to go to the fake website, to key in your correct id and passward to be copied. I am not sure why you can't talk to support today as most banks have 24 hr support in cases of theft or losses. I would not trust it. I would check the back of bank card for theft or loss number and talk with someone today.
1 person likes this
@mehale (2200)
• United States
5 Oct 08
Wow, that is really scary. I hope that you find that all is well tomorrow and get everything straightened out. I have not had this experience before, and hopefully I will not. That is one of the reasons that I do not bank on line.
3 people like this
• Lubbock, Texas
5 Oct 08
Whew! Thank goodness they locked it. I've never had is happen on my bank account, but when I worked at McClain's the A/P and A/R systems would lock down if you made three failed attempts to access them and it just took a supervisor putting in their security # and then typing in the password to over ride it. I'm sure when you call the bank tomorrow they'll set things straight.
• United States
5 Oct 08
I am sure it will get straightened out. I just have to call tomorrow and answer a few questions. I am just glad they have the kind of security they do, on line. Makes me feel better about that.
1 person likes this
@myklj999 (13786)
• Olney, Illinois
5 Oct 08
I have no bank accoubt; haven't had one for over 15 years; don't want one; don't need one; cash usually serves me pretty well, although I did run into a problem at the license bureau here where they wanted a check or a credit card and wouldn't accept cash...
3 people like this
• United States
5 Oct 08
Most things I do pay cash for. But that cash comes out of my account. I have to have that for my business. There are times when I think we need to go back to the barter system. I know it takes money to live, but, it is getting a little more than ridiculous when people can't, or WON'T figure out a better way to get their money than to take it from people who work their a$$es off day after day just to make ends meet, sometimes.
2 people like this
@mentalward (14697)
• United States
5 Oct 08
I've never had this happen to me but it's something that everyone should think about these days: identify theft. I'm glad that your 'thief' could not answer your security question, but I'm sure there are those who have managed to do it to others. I'm enrolled with LifeLock, identify theft protection. These days, none of us are immune to attacks by thieves. LifeLock insures you for up to $1 million in losses and, for only $9.00 a month, I'd say it's a pretty good thing to have. I had my computer hacked into once when my son was living with us. Someone didn't like him so this person hacked into our computer and destroyed everything. Since that time, I've taken every precaution I can against such attacks. It made me think about all the things that can be done these days through a computer so, in order to close the barn door BEFORE the horse gets out, I enrolled in LifeLock. I'm glad I did because that's at least one thing I don't have to worry about anymore.
• United States
5 Oct 08
I have wondered more than once if LifeLock would be something to look into. I never checked into it to see how much it was, but if $9 a month is all it is, I will definitely check into it. Thanks for that info. I had my computer hacked some years back, that was scarey enough. To know that someone I may know or know of, is trying to get into my account, well, that is getting just too personal.
2 people like this
@James72 (26829)
• Australia
6 Oct 08
Thank goodness you were wise enough to attemot to call your bank Bo. There are a LOT of banking related email scams going around at the moment and many people are being caught out. I have not had this happen to me before, no; but if the same thing happened I too would immediately get in contact with my bank to be on the safe side.
2 people like this
• United States
6 Oct 08
Well, with all that has been happening with e-mail scams and hackers getting into everything, that was my first thought. But, I looked in two different places and the phone # was the same as the one on the actual website. I am just glad for the security measures they take.
2 people like this
@James72 (26829)
• Australia
6 Oct 08
This is the thing Bo. The people that carry out these scams are very, very savvy and copying details of bank contact information such as addresses and numbers is a very easy thing to do! They then follow up with further emails asking for further information and rely on many people to NOT make the effort to actually call the bank to check! If only a handful of people fall for this and email back with details without calling the bank then they have succeeded! In this day and age, ANY email from a bank that has sensitive information entailed should be verified with the bank before taking any action.
1 person likes this
• United States
6 Oct 08
Make sure the email was true, in other words, actually tak to someone on the phone, emails are not the general way banks do things, and they may have been trying to get your information. I hope everything goes okay!
• United States
6 Oct 08
*S* Thank you. And, welcome to my lot. Have fun.
1 person likes this
@douchrti (176)
• United States
6 Oct 08
Sorry you are in this mess. When you contact your bank, ask if its possible to change your user name as well as your password. It sounds like someone has picked up your user name somewhere. Do you use the same user name other places? And contact the 3 major credit agencies and put a credit freeze on your credit monitoring. Hope this helps.
• United States
6 Oct 08
I don't use that name or password anywhere else. They were not able to get into my account, so they were not able to get my money, or any other information. I have access to my account, just not by doing it on line, which I probably won't be doing anymore, anyway. Thanks*S*
1 person likes this
@sanniv (8)
• India
6 Oct 08
Yes I also had to face this type of problem just because of my fooolishness.. :D I typed my password with caps lock on 5 times ( i didn't checked the caps lock status), then after 5th chance I got the message that your account is blocked for the day. I afraid that whether I will be able to use it tomorrow, but next day it worked fine and transaction was normal.
• United States
6 Oct 08
*S* Yes, I can get mine fixed this morning. I have not tried to access my account on line for about a week, so, I know it wasn't my mistake. But, it will be ok. I am glad they are there to protect everything. I am glad it worked out for you.*S*
1 person likes this
• India
6 Oct 08
If you try to log onto your account and give the wrong password three times, the account gets locked and you have to reactivate password. it is a good safeguard against someone trying to log in by hit and trial method.
2 people like this
• United States
6 Oct 08
*S* Thanks for the information.
1 person likes this
@apples99 (6564)
• United States
6 Oct 08
Oh my no I haven't had anything like that happen to me thank goodness but I hope you get everything straighted out, all I can sagest is that you contact your bank and ask them whats going on and hopefully things will be cleared up.
2 people like this
• United States
6 Oct 08
I am glad that your bank is taking action! DO you have any idea as to who might be trying to get into your account? This is so scary! Please keep us updated as to what else you have to do. I wonder if they will make you come to the bank.. I am glad that they were not able to access your account,, Goodness!
• United States
6 Oct 08
I haven't a clue, Louise. It is rather disturbing, yes. I don't have to go to the bank to resolve it, I can call them, but I am going to go in, and talk to them in person. I will let you know what happens, and what I find out.
1 person likes this
@Opal26 (17690)
• United States
6 Oct 08
Wow bo, that is disturbing to say the least! Who could have been trying to get into the account? It is great that your bank was alert enough to not let any money be taken out and let you know that there has been a failed attempt by someone to try. But, still this is quite disturbing. At least you will know more tomorrow. The good thing is that the person did not know the correct answer to the security questions which means it wasn't anyone really close to you which rules at your nearest and dearest so you won't have to committ any murders to close to home. I do hope that you can figure this out. Try to stay calm and see what information that the bank can give you. Keep us updated!
• United States
6 Oct 08
You know, I was just sitting here wondering if the bank would or could tell me where the computer was that tried to log in to my account. It said that the attempts came from a computer they did not recognize, which means it was not MY computer. I don't know if they will or if they can tell me, but I am going to ask, anyway.
1 person likes this
@owlwings (39218)
• Cambridge, England
6 Oct 08
First of all, look at the email you received. Did it address you by name? If it did not, then it's definitely a phishing attack. Second, did it have a link in the email to take you to the 'bank's' website? It may have looked exactly like your bank's website but it was almost certainly a copy. It seems that you may have done the sensible thing and have gone to your bank's REAL website to find what is going on. Don't worry, however. When you call the support number, they will be very helpful and you will have access to your account very quickly. I'm afraid this sort of thing is happening a lot, especially in those countries that don't yet have chip and pin cards. You may have been the victim of a rather amateur attempt to access your account and your bank therefore locked the account. They have hundreds of such attempts a day, however, and are there to protect their customers, not to make it difficult for you.
• United States
6 Oct 08
It did address me by name. I have high security stuff on my account, just for that purpose. And, I know they are trying to protect me and my account. I am not worried about that. Like I said in an earlier response, I made sure that I did all the things the bank suggested to protect my account. I was just surprised to find the e-mail. I've never had anything like that happen before. Thanks for your information.*S*
1 person likes this
@littleowl (7157)
5 Oct 08
Fortunatly I haven't but hackers are getting in everywhere now..yet at least you your account is safe now..I hope you get it sorted tomorrow..littleowl
2 people like this
• United States
5 Oct 08
Yeah, I am glad they have those security measures. I did everything they suggested to secure my account when I signed up on line. I am sure I will get it settled tomorrow. Thanks*S*
1 person likes this
@skysuccess (8882)
• Singapore
6 Oct 08
thebohemianheart, I think other than suffering for the temporary inconvenience of having your accounts frozen, I must say that your bank has done a good job at protecting your hard earned savings. Although, I have yet to experienced this inconvenience, I think I am just glad that my bank has got an instant alert facility where I get notified on my cell phone 24/7 if there is some irregularities to my card and/or account. I am sure most banks worldwide would have this facility and I suppose you just need to update them with your contact numbers. I did have a charge in India to purchase jewelries whilst I was in Singapore and the bank called and verified with me. That transaction was stopped and through later investigation my card details was stolen from a gas station I had visited a week before. So, never trust the system to take of itself, we need to be on top most of the time ourselves. In the past, a lot of people does not appreciate the banks having all our contact details for some unwanted attention reasons like getting called with the latest promotions and /or investment plans. However, I think over time banks now allows us to deselect such services and that our numbers were to be held in strict confidence and for security authentication purposes. We just need to be bothered with the specifics and go through the trouble with customizing our security protocols. The usage of cards is so predominantly common and these personal informations just "floats" about and thefts can access them easily. It is only through our shrewd practices like changing our passwords/ PINS/ and security questions periodically to avoid these characters from succeeding in their follies. Not to forget our caution and alertness when we do online banking on our computers and that our computers be armed with the latest anti virus, anti spyware and firewall softwares.
• United States
6 Oct 08
I am very grateful that they set up the security measures they do. I am not at all annoyed with that part of it. Just the fact that someone tried to access my account is kind of scarey. The first thing I thought was that someone had gotten my pin # from an ATM, but I realized that all this happened before I used the machine. It just makes me a little leary of checking my account online. That is all I do with the online thing. I don't make transactions from my computer. Anyway, everything is safe and sound, and for that I am grateful.
1 person likes this
• Singapore
7 Oct 08
I am glad that the matter has been resolved and hope that you will not have this encounter again. Anyway, just be careful and alert always when you use your card. Take care and have a nice day.