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Re: OT What if you lose your bank account userid and passowrd?
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Dik Kraven-Moorehead
Feb 17, 2024, 9:48:29 AM2/17/24
to
micky wrote:
> OT although related to home finance,
>
> I've often heard that if you lose your credit card, you are only liable
> for $50 someone else charges on it, and for nothing if you report it
> soon enough (Although no one has said what soon enough is. if you're
> over that it's only $50.)
>
> But what are the risks if you lose your userid and password to your
> online bank account and they transfer 1000's of dollars out. Yes, they
> can see where it was transferred to, but I have the feeling that's not
> enough.
>
> This is a bigger problem now that people "access" their accounts from
> their phones, which are a lot easier to lose or get stolen then the
> computer at their home.
>
The US government is now choosing the candidates who will be allowed to run in the 2024 election.
If you are looking for a law to protect you, you may no longer find it.
> OT although related to home finance,
>
> I've often heard that if you lose your credit card, you are only liable
> for $50 someone else charges on it, and for nothing if you report it
> soon enough (Although no one has said what soon enough is. if you're
> over that it's only $50.)
>
> But what are the risks if you lose your userid and password to your
> online bank account and they transfer 1000's of dollars out. Yes, they
> can see where it was transferred to, but I have the feeling that's not
> enough.
>
> This is a bigger problem now that people "access" their accounts from
> their phones, which are a lot easier to lose or get stolen then the
> computer at their home.
>
The US government is now choosing the candidates who will be allowed to run in the 2024 election.
If you are looking for a law to protect you, you may no longer find it.
Retirednoguilt
Feb 17, 2024, 10:26:26 AM2/17/24
to
On 2/17/2024 8:57 AM, micky wrote:
> OT although related to home finance,
>
> I've often heard that if you lose your credit card, you are only liable
> for $50 someone else charges on it, and for nothing if you report it
> soon enough (Although no one has said what soon enough is. if you're
> over that it's only $50.)
>
> But what are the risks if you lose your userid and password to your
> online bank account and they transfer 1000's of dollars out. Yes, they
> can see where it was transferred to, but I have the feeling that's not
> enough.
>
> This is a bigger problem now that people "access" their accounts from
> their phones, which are a lot easier to lose or get stolen then the
> computer at their home.
Contact that bank. This probably happens many times daily. They're
> OT although related to home finance,
>
> I've often heard that if you lose your credit card, you are only liable
> for $50 someone else charges on it, and for nothing if you report it
> soon enough (Although no one has said what soon enough is. if you're
> over that it's only $50.)
>
> But what are the risks if you lose your userid and password to your
> online bank account and they transfer 1000's of dollars out. Yes, they
> can see where it was transferred to, but I have the feeling that's not
> enough.
>
> This is a bigger problem now that people "access" their accounts from
> their phones, which are a lot easier to lose or get stolen then the
> computer at their home.
sure to have a procedure to verify your identity and restore your access
to your now $0 on-line account.
Cindy Hamilton
Feb 17, 2024, 10:35:26 AM2/17/24
to
On 2024-02-17, micky <NONONO...@fmguy.com> wrote:
> OT although related to home finance,
>
> I've often heard that if you lose your credit card, you are only liable
> for $50 someone else charges on it, and for nothing if you report it
> soon enough (Although no one has said what soon enough is. if you're
> over that it's only $50.)
>
> But what are the risks if you lose your userid and password to your
> online bank account and they transfer 1000's of dollars out. Yes, they
> can see where it was transferred to, but I have the feeling that's not
> enough.
>
> This is a bigger problem now that people "access" their accounts from
> their phones, which are a lot easier to lose or get stolen then the
> computer at their home.
What did your bank tell you when you asked them?
> OT although related to home finance,
>
> I've often heard that if you lose your credit card, you are only liable
> for $50 someone else charges on it, and for nothing if you report it
> soon enough (Although no one has said what soon enough is. if you're
> over that it's only $50.)
>
> But what are the risks if you lose your userid and password to your
> online bank account and they transfer 1000's of dollars out. Yes, they
> can see where it was transferred to, but I have the feeling that's not
> enough.
>
> This is a bigger problem now that people "access" their accounts from
> their phones, which are a lot easier to lose or get stolen then the
> computer at their home.
What were the results of your google search?
--
Cindy Hamilton
Message has been deleted
hub...@ccanoemail.com
Feb 17, 2024, 11:47:08 AM2/17/24
to
On Sat, 17 Feb 2024 08:57:47 -0500, micky <NONONO...@fmguy.com>
from our branch to head office and upwards at head office
before we got a resolution .. it took 6 months.
.. even then we were forced to sign a "keep quiet"
agreement .. all over a mistake that was 100 %
the bank's fault .. as lifelong customers, we sure felt
like specks of dust ! .. our subsequent banking experiences
with the Credit Union have been A-1 in every respect.
John T.
wrote:
>OT although related to home finance,
>
>I've often heard that if you lose your credit card, you are only liable
>for $50 someone else charges on it, and for nothing if you report it
>soon enough (Although no one has said what soon enough is. if you're
>over that it's only $50.)
>
>But what are the risks if you lose your userid and password to your
>online bank account and they transfer 1000's of dollars out. Yes, they
>can see where it was transferred to, but I have the feeling that's not
>enough.
>
>This is a bigger problem now that people "access" their accounts from
>their phones, which are a lot easier to lose or get stolen then the
>computer at their home.
>
We were forced to escalate our complaint up-the-ladder
>OT although related to home finance,
>
>I've often heard that if you lose your credit card, you are only liable
>for $50 someone else charges on it, and for nothing if you report it
>soon enough (Although no one has said what soon enough is. if you're
>over that it's only $50.)
>
>But what are the risks if you lose your userid and password to your
>online bank account and they transfer 1000's of dollars out. Yes, they
>can see where it was transferred to, but I have the feeling that's not
>enough.
>
>This is a bigger problem now that people "access" their accounts from
>their phones, which are a lot easier to lose or get stolen then the
>computer at their home.
>
from our branch to head office and upwards at head office
before we got a resolution .. it took 6 months.
.. even then we were forced to sign a "keep quiet"
agreement .. all over a mistake that was 100 %
the bank's fault .. as lifelong customers, we sure felt
like specks of dust ! .. our subsequent banking experiences
with the Credit Union have been A-1 in every respect.
John T.
Clare Snyder
Feb 17, 2024, 5:26:58 PM2/17/24
to
I've been with TD Canada Trust since about 1960 when it was Waterloo
Trust.Company account and some investments with CIBC and some
investments with Libro.
No complaints with either. Did have my access card compromized at TD
but THEY caught it and fixed it painlessly before I even knew anything
had happened.
Clare Snyder
Feb 17, 2024, 5:29:42 PM2/17/24
to
better regulated and much more secure than the US banking system - and
in fact better than pretty much anywhere else in the world.
hub...@ccanoemail.com
Feb 17, 2024, 5:46:25 PM2/17/24
to
On Sat, 17 Feb 2024 17:26:51 -0500, Clare Snyder <cl...@snyder.on.ca>
CIBC branch manager was covering-ass it seems ..
.. to the tune of about $ 3500. of _our_ dollars.
When it went to head office - lower level just wanted to
support the branch - higher level just wanted it to
go away.
Kindred - nothing but good to say.
John T.
.. to the tune of about $ 3500. of _our_ dollars.
When it went to head office - lower level just wanted to
support the branch - higher level just wanted it to
go away.
Kindred - nothing but good to say.
John T.
micky
Feb 17, 2024, 6:28:46 PM2/17/24
to
In alt.home.repair, on Sat, 17 Feb 2024 17:46:18 -0500,
This sounds similar to a USA idiom but not similar enough.
He was embezzling money from your account to pay for ...something?
>.. to the tune of about $ 3500. of _our_ dollars.
Or where had the money gone?
He was embezzling money from your account to pay for ...something?
>.. to the tune of about $ 3500. of _our_ dollars.
hub...@ccanoemail.com
Feb 17, 2024, 6:43:09 PM2/17/24
to
>>>
>>
>> CIBC branch manager was covering-ass it seems ..
>>.. to the tune of about $ 3500. of _our_ dollars.
>>When it went to head office - lower level just wanted to
>>support the branch - higher level just wanted it to
>>go away.
>> John T.
>>support the branch - higher level just wanted it to
>>go away.
>
>This sounds similar to a USA idiom but not similar enough.
>He was embezzling money from your account to pay for ...something?
>This sounds similar to a USA idiom but not similar enough.
>He was embezzling money from your account to pay for ...something?
>Or where had the money gone?
>
Nope - just Big Bank arrogance - the $ 3500.
>
wasn't even a molecule in the company's coffers.
John T.
micky
Feb 17, 2024, 6:56:10 PM2/17/24
to
In alt.home.repair, on Sat, 17 Feb 2024 10:26:19 -0500, Retirednoguilt
to worry for the next two days.
>sure to have a procedure to verify your identity and restore your access
>to your now $0 on-line account.
?;)
<Hapily...@fakeaddress.com> wrote:
>On 2/17/2024 8:57 AM, micky wrote:
>> OT although related to home finance,
>>
>> I've often heard that if you lose your credit card, you are only liable
>> for $50 someone else charges on it, and for nothing if you report it
>> soon enough (Although no one has said what soon enough is. if you're
>> over that it's only $50.)
>>
>> But what are the risks if you lose your userid and password to your
>> online bank account and they transfer 1000's of dollars out. Yes, they
>> can see where it was transferred to, but I have the feeling that's not
>> enough.
>>
>> This is a bigger problem now that people "access" their accounts from
>> their phones, which are a lot easier to lose or get stolen then the
>> computer at their home.
>
>Contact that bank. This probably happens many times daily. They're
Good idea, but couldn't do that until Monday. I have to know how much
>On 2/17/2024 8:57 AM, micky wrote:
>> OT although related to home finance,
>>
>> I've often heard that if you lose your credit card, you are only liable
>> for $50 someone else charges on it, and for nothing if you report it
>> soon enough (Although no one has said what soon enough is. if you're
>> over that it's only $50.)
>>
>> But what are the risks if you lose your userid and password to your
>> online bank account and they transfer 1000's of dollars out. Yes, they
>> can see where it was transferred to, but I have the feeling that's not
>> enough.
>>
>> This is a bigger problem now that people "access" their accounts from
>> their phones, which are a lot easier to lose or get stolen then the
>> computer at their home.
>
>Contact that bank. This probably happens many times daily. They're
to worry for the next two days.
>sure to have a procedure to verify your identity and restore your access
>to your now $0 on-line account.
Retirednoguilt
Feb 18, 2024, 12:35:55 PM2/18/24
to
On 2/17/2024 5:29 PM, Clare Snyder wrote:
>
>
> We sure are fortunate with our banking system up here in Canada. MUCH
> better regulated and much more secure than the US banking system - and
> in fact better than pretty much anywhere else in the world.
Here in the U.S., I've had nothing but superlative service and great
>
>
> We sure are fortunate with our banking system up here in Canada. MUCH
> better regulated and much more secure than the US banking system - and
> in fact better than pretty much anywhere else in the world.
rates from the largest credit union in our country both by number of
branches and by total deposits on hand. Been with them for 47 years.
Whether with savings accounts, checking accounts, credit cards, debit
cards, or lines of credit, I'm a big fan. Commercial banks here are
another story entirely.
Clare Snyder
Feb 18, 2024, 6:31:58 PM2/18/24
to
As far as CIBC is concerned I didn't do much actual banking with them.
Never had a card with them. They just handled my business deposits and
cheques - not much they could really screw up.
trader_4
Feb 19, 2024, 10:52:20 AM2/19/24
to
On Saturday, February 17, 2024 at 11:20:31 AM UTC-5, Clare Snyder wrote:
> One reason NOT to deal withan "online only" bank. If I lose an
> unsecured phone (who the 7734 doesn't secure their phone today??????)
> or suspect my account number and passwords have been compromizwd I
> walk into my local branch and change the password - and possibly close
> the account and open a new one.
You can do that online with any online bank too without having to go to a
branch. And unless you have no lock on your phone, it should either be locked
if you haven't been using it or lock within a minute or two of leaving it with no
activity. The window of vulnerability should be very small You can also
Google erase it online if anyone tries to get it working and has a cloud
connection.
I also do NOT use debit for
> transactions. Easy to limit debit transactions to something you can
> live with losing - like $50 or $100 - or even $0 so if someone gets
> your debit card or info they can't rob you blind.
> unsecured phone (who the 7734 doesn't secure their phone today??????)
> or suspect my account number and passwords have been compromizwd I
> walk into my local branch and change the password - and possibly close
> the account and open a new one.
You can do that online with any online bank too without having to go to a
branch. And unless you have no lock on your phone, it should either be locked
if you haven't been using it or lock within a minute or two of leaving it with no
activity. The window of vulnerability should be very small You can also
Google erase it online if anyone tries to get it working and has a cloud
connection.
I also do NOT use debit for
> transactions. Easy to limit debit transactions to something you can
> live with losing - like $50 or $100 - or even $0 so if someone gets
> your debit card or info they can't rob you blind.
Message has been deleted
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Cindy Hamilton
Feb 22, 2024, 4:57:09 AM2/22/24
to
On 2024-02-22, bud-- <nu...@void.com> wrote:
> A coupe of schemes locally:
>
> After bar closing someone (part of an organized ring) wants to put their
> contact information on someones phone (must have been some reason to do
> that - don't understand).
"Let me give you my phone number. I'll call you for a date."
--
Cindy Hamilton
>
> After bar closing someone (part of an organized ring) wants to put their
> contact information on someones phone (must have been some reason to do
> that - don't understand).
"Let me give you my phone number. I'll call you for a date."
--
Cindy Hamilton
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