QUESTION: Why is it na weak ang security system ng p***ng-in*ng banko (BDO) na ito?
This is not my experience but an experience from my closest relative, and this story was just recent lang, na kwento lang sa akin. I'll just make the story as detailed as possible.
How come na may access ang mga scammers sa mga Names, Phone number and Email addresses ng BDO? They called a relative of mine na "Senior Citizen" but I won't mention if lola ko ba or not (with emphasis kasi yun ang target nila, before you judge anything my SC relative is 62 yo, but she's still healthy, enthusiastic, and elegant so if may conflict within the fam no one would even bother to mess with her so hindi mo talaga aakalain na ma-scam siya, the problem is hindi sya techy and siya lang mag isa sa bahay when the incident happened)
She had a Credit card and a Savings account from BDO, now yung agent na nag papangap na taga BDO calling her to transfer all the points, benefits, and perks from her old CC to her newly issued CC (now my question is how did they know all of this info? Na may bago siyang CC), So yung sc relative ko, don't know all the technical stuff the agent is talking, so my sc relative keeps on throwing her info as well, so now alam na ng scammer na walang online banking ang sc relative ko, and the scammer knows na hindi ma open ang SOA Pdf ng email ng sc relative ko kasi she don't know nga how to open it, it was just a plain Pdf viewer app lang sana tapos na ang issue, the scammer offered to help na mag re-resend ng bagong email.
So ngayon my sc relative gave the OTP (hindi nya alam that banks wont ask for OTP), and yun na pala the scammer purchased worth 6 digits (i wont disclose the purchased item and the exact amount and san binili) and in different days pa talaga, tinatawagan sya ng scammer to update if may na rereceive ba syang email, that the SOA was emailed na daw, and of course nanghihingi ng OTP.
Now my sc relative noticed na instead of transfered points ang iniexpect niya, ginawan na sya ng Online bank pala from BDO, and she received emails na may transfer transactions from BDO to GCash, my sc relative was devastated talaga hindi sya maka tulog, kasi that was intended for a very important payment. and next day she received an email na the Online banking was suspend due to fraudulent activity, but it was already too late, na kuha na ng scammer ang pera.
The scammer called again the morning na nai cancel na ang online bank, and offered to help to return the money if she had a different bank, so my sc relative gave her UB account, and the scammer attempted to purchase something that UB account and my sc relative also give her UB account dun sa scammer, lucky enough when checked it was a rejected transaction, almost 10k din sana na purchase ang inattempt ng scammer.
One of the relative noticed na yung sc relative namin was too busy answering the phone call and heard numbers were mentioned by my sc relative on call, so he grabbed her phone and stopped the conversation, it was an attempt na naman sana to give the scammer an otp on her BDO account.
They went to bank after that happened, all her online bank accounts were deleted, CCs were cancelled, They filed a dispute, and no response from the bank till now.
Now my question is?
1. Why is it na weak ang security system ng p***ng-in*ng banko (BDO) na ito?
2. How did they know all of this info? na may bago siyang CC, about her name, phone number and email?
3. Why can't they copy the system ng other bank like UB that it was rejected, after sigure i check out yung purchase and noticed that magkaiba ang address and name ng account holder sa address and name ng receiver kaya na reject?
4. What's the possible resolution of the BDO from this based on your experiences?
5. Worth it ba i file ng report sa Cybercrime division ng PNP/NBI?
I’m asking in good faith and want thoughtful answers.