Tag: Lost SIM

  • BEWARE: First Bank accounts easiest to hack, says fraudster after stealing from lots of bank’s customers

    BEWARE: First Bank accounts easiest to hack, says fraudster after stealing from lots of bank’s customers

    A 46-year-old suspect, Zakarriyah Yahaya, also known as “His Excellency”, has revealed how and his gang emptied the bank accounts of many Nigerians using lost or stolen SIM cards.

    Yahaya, among 39 suspects paraded for various crimes at defunct headquarters of Special Anti-Robbery Squad (SARS), Abuja on Monday by the Nigerian Police, revealed that the easiest bank account to hack is that of First Bank.

    He explained that bank accounts of many Nigerians receiving alerts are easy to access by using their account and phone numbers.

    The suspects were arrested across the country by Force Investigation Bureau of Intelligence Response Team (IRT) led by Tunji Disu, who took over recently from the suspended Deputy Commissioner of Police, Abba Kyari.

    Speaking to journalists, the suspect said, “My name is Zakarriyah Yahaya, I was born and brought up in Jos. I was arrested last month in Mabushi here in Abuja. I used to reset any SIMs that receive bank alert. I will reset it and steal all the money inside the bank account.

    “I do reset it with victim’s bank account number through bank code from the first to the last number. Any bank that we get, we first use it to buy recharge card, from there, they will send us the alert. From the alert, we will now get the account number.”

    When asked for the banks they are mostly interested in, he said First Bank, among others is the easiest to reset.

    He disclosed that they started the job in the last two years and no fewer than eleven members of the gang are working for him, adding that they are operating in three main cities: Kano, Plateau and Abuja.

    He said he could not recall the exact numbers of bank accounts they’d stolen from but they had once removed N800,000 from one of the accounts.

    Explaining how they operate from the police’s investigation, the force spokesman, Frank Mba said the criminals do acquire SIM packs in large numbers and re-activate old phone numbers people don’t use again and explore any bank account’s details.

    Mba said, “Yahaya Zakari controls multiple gangs of cyber crooks whose talk-in-trade is to go after SIM cards, phone numbers of innocent Nigerians, breaking into their privacy, steal their banks’ IDs, and steal monies from the accounts.

    “They have two main modus oprandi. The first is to go and purchase or acquire MTN lines, the new starter kits in large numbers. When they get these, they tried to hack BVN.

    “Experience has shown them that at this stage, some of our service providers are recycling old numbers. Persons who had used phones and probably for some reasons have travelled out of the country, or for any other reason chose not to use the number again, and those numbers are dormant and currently being recycled and being re-issued to persons as new numbers.

    “They are very skilful and they have ways of knowing or decoding old numbers. So, when they put on their MTN starter packs, and they are given options to select numbers, they select old numbers, and at random, they tried to explore and see if they could get bank details from those old numbers. That is their first modus.”

    The senior police officer also said the criminals do attack their victims physically, collect their phones and target their SIM, adding that they are not interested in the phones but the SIM cards.

    He, however, appealed to Nigerians to guide their phones jealously and quickly report to their banks and service providers if their phones get lost.

    According to him, “The second, which is very dangerous where they sometimes hurt innocent citizens both physically and financially, is through deploying gangs that attack innocent citizens, forcefully snatch their phones, or sometimes get these phones stolen via pickpocketing.

    “Once they get these phones, their target is not the phone, no matter how expensive your phone is, they are not interested in that phone, that’s not the main target. That could actually be a by-product or a side benefit from the crime, but the major target is your SIM card.

    “And once they get your SIM card, they tried to play around with it, and see if they could find anything that can link them or take them straight into victims’ accounts, and they had done these successfully.

    “With that, if they get access to your bank details, they go straight to steal your money. The lesson for all of us here is that, we must guide our phones jealously. Even when you lose a phone or a number and you think you’ve got two or three other numbers or lines, don’t let your number go back to strange hands, go back to your service providers and do all what’s necessary, re-activate and re-claim your lines.”

  • How to retrieve a lost SIM card without qualms

    Whether you are a postpaid or a prepaid subscriber, losing a Subscriber Identity Module (SIM) card is worrisome.

    Not to worry, there is a standard procedure to follow to retrieve a lost SIM without qualms.

    The prescribed procedure for a subscriber to follow to effect a SIM replacement is necessary to prevent unauthorized replacements of SIM cards.

    A SIM can be replaced if it is faulty, damaged, stolen, lost, obsolete (but eligible for replacement or an upgrade), and any other reasonable legitimate reason or condition necessitating a SIM replacement.

    An operator may refuse a SIM replacement request where there are reasonable grounds to believe that the replacement ought not to be carried out.

    The SIM to be retrieved must have been registered in accordance with the registration of telephone subscribers regulations issued by the Nigerian Communications Commission (NCC), and the SIM must be active on the network of the operator.

    An active SIM card is a SIM that can make and receive calls. An inactive SIM is one that cannot make or receive calls or one that has been recycled. A SIM becomes inactive after 6 months of inactivity. After 3 months or inactivity (i.e. no recharge, no calls on the SIM), the SIM enters inactive mode, and recycled after another 3 months.

    A subscriber requesting for the replacement of a SIM must provide the following:

    a. Information about the three (3) most frequently called numbers from that SIM which must be verified by the Network Service Provider. The frequently called numbers must have been dialed at least five times over a 30 days period.

    b. Where the SIM to be replaced is a data SIM, the subscriber will be required to provide any two of the following:

    i. Last recharge amount and date

    ii. Name of internet bundle value activated and data allowance allocated

    iii. Last three (3) sites visited.

    c. An affidavit signed by the subscriber and a passport photograph of the subscriber where the replacement is to be done by a proxy.

    d. Details of the last recharge on the SIM.

    e. Details of the last paid invoice for post-paid subscribers.

    A person requesting a replacement is expected to fill a standard SIM replacement form, and a valid photo identification of the subscriber must be provided.

    The SIM pack or other evidence of direct purchase/ownership of the SIM must be provided and where it is unavailable, an affidavit attesting to the ownership and loss of the SIM must be provided.

    The Network Service Provider is expected to capture a facial image of the subscriber.

    SIM replacement by proxy

    Also, a SIM replacement may be carried out by proxy. Any SIM replacement carried out by proxy must be in accordance with the provisions of Paragraph 6 above.

    Where a replacement is done by a proxy, such proxy will be required to provide an affidavit sworn to by the owner of the SIM detailing reasons for the replacement, as well as the reasons for the subscriber’s inability to carry out the replacement, a copy of the subscriber’s means of identification and a valid photo identification of the proxy.

    A request for a SIM replacement may be made by a proxy for Mobile Station International Subscriber Directory Number (MSISDN) registered in the name of a corporate entity, where such proxy has been duly designated as the entity’s interface with the operator on record, and produces a sworn affidavit by the entity duly authorizing the replacement.

    The proxy is also expected to fill the SIM replacement form, and the Network Service Provider is expected to capture a facial image of the proxy.

    Online SIM Replacement

    Online SIM Replacement can only be carried out either through the Network Service Provider’s secured website or self-service terminal.

    The Network Service Provider shall create on its secured website a platform where Subscribers can carry out SIM Replacement using the unique Identification and PIN issued by the Network Service Provider.

    The Network Service Provider shall issue interested Subscribers with a unique Identification and PIN.

    The Subscriber is required to purchase a new SIM Card to which the MSISDN of the old SIM Card would be transferred.

    The Subscriber can login to the portal through the Network Service Provider’s secured website using the unique Identification and Personal Information Number (PIN) issued to the Subscriber.

    The Subscriber will input the following information;

    a. Date of Birth

    b. Mother’s Maiden Name

    c. Place of Birth

    d. Three frequently called numbers

    e. The MSISDN of the SIM to be replaced.

    Where the information provided matches the record on the Network Service Provider’s system, the Subscriber will be prompted to enter the MSISDN of the new SIM purchased and the operator would then the carry out the SIM replacement by transferring the old MSISDN to the new SIM.

    No Network Service Provider is allowed to carry out SIM Replacement over the phone.

    Activation

    A replacement SIM shall be activated within two (2) hours once the verification of Subscriber information has being carried out.

    Violations and Penalties

    Any SIM Replacement done in violation of NCC guidelines shall be sanctioned in accordance with enforcement regulations.

    A Network Service Provider shall be held liable for any SIM Replacement carried out in violation of regulations or done fraudulently by its agent or dealer.

    The subscriber can pursue any other remedies against a Network Service Provider for any SIM Replacement done fraudulently by such Network Service Provider or its agent or dealer.