Results of the year: the story of Privatbank
September 2, 2008 at 03:41 nn Under Uncategorized
Some of those present had already heard about this story, read the rest first. Maybe someone does help to avoid mistakes and not lose money. Links to the story in your LJ, on your sites and other places are welcome.
So, a brief chronology of events (and then write a fuller account):
September 15 with my credit card produced two money orders totaling $ 4870 USD (subject to 2% per transfer) - about $ 965.
16 September, I noticed a loss of money from the card, called the operator to chat, found out that the money was transferred through a system of internet banking Privat2 4 at the expense of Makoviychuka Vyacheslav Mikhailovich, a resident of the city of Sevastopol. Disabled Account Privat2 4 and a map. Using the search engine google.com, I found a site webmoney-exchange office, owned Makoviychuku and its number of ICQ. I got in touch with him, described the situation. It turns out that, although the translation was made on Saturday 15 September, but I contacted Vyacheslav Makoviychukom on Sunday the 16 th, the money has already come at the expense of Vyacheslav Makoviychuka, and he had already transferred to the account of the thief on the amount in the WMZ. Thus, money went into the weekend, without control by an operator. Vyacheslav Makoviychuk written claim to the purse, which had been transferred money. In addition, he promised to come to the security service Privatbank and write them a statement.
September 17, I went to Privatbank and wrote a statement on the return of funds.
Sept. 18 caused me to ours, Kharkov Privatbank security service. Oddly enough, not by my statement, and statement of Vyacheslav Makoviychuka I described to them the situation. They said that the passwords have been stolen from me, from my computer that is why in my application refused. I replied that with my Data.dat passwords could be stolen - fresh anti-virus, firewall, opera. Unfortunately, the qualifications of Sat Mirgorota AA (or Mirgorodskogo Anatoly) is not enough to understand my explanation. He continued to repeat his version (apparently, learned the necessary sequence of words): I went to a suspicious site, rolled the window, went to another window to the site privat2 4, scored a login and password - and the suspicious site has stolen my password. Thus, under the version Mirgorota (Mirgorodskogo?) AA Site privat2 4 has XSS-vulnerability, which works in opera and not blocked by the presence of a fresh computer antivirus software. In parting Mirgorot advised me to something completely wild - call toll-free at 8-800 - ... and to present the operator's history. Why - totally understandable.
This week I again called Officer Sat Mirgorot (Mirgorodsky?) AA and reported the following: they have traced the movement of my money and blocked the account into which money will eventually come. Mirgorot (Mirgorod?) Said that he does not have sufficient authority to refund my money and bring the thief to justice, and suggested that I go to SBU, to start using the SBU to find the thief, bring him to justice and return the money. By the way, is very characteristic that Mirgorot (Mirgorodsky) refused to call me his name, saying tolo name and patronymic. His name, I learned later in a roundabout way. As it turned out, F transferred money to the payroll card of his grandmother and took them out. Card grandmother blocked.
I appealed to the Security Service, they told me that such things are not engaged, and sent to the police.
I contacted Mirgorotom (Mirgorodsky), described the situation to him. He said that I must insist that the Security Service of Ukraine took my statement by him, the SBU must take charge.
I sent a statement to the Security Service by registered mail with return receipt.
SBU came to Mirgorotu (Mirgorod), talked with him, then handed the case to the prosecutor's office, as reported to me in writing.
Without waiting for a response from the prosecutor's office (already the 9 th of October, almost one month) I sent a statement to the police. The police did not have enough information for a criminal case, and it has requested from Privatbanka information about his movements on my map and IP-addresses from which the water in my account privat2 4. Police investigators came to Sat bank, and there he promised to give this statement quickly, within 15-20 days. " Prior to receipt of the statement in the opening of a criminal case I was denied. Looking ahead, I will say that no two or three or four weeks later the police this statement has not been - despite assurances Sat bank. Only two months later the police came the answer from the bank's refusal to provide this information to the police (although the law required).
A letter from prosecutors that it is connected to the investigation of police of another area (not the police department, where I wrote the statement).
A letter from the police department, which is connected to the investigation of the prosecutor's office, that it became known that I addressed a similar office in another police department, and they transmit all the data there.
In the meantime, I wrote three complaints to the bank for poor quality, biased, unprofessional investigation conducted Sat bank. In the complaint demanded a refund and an internal investigation. Six weeks later received from the bank failure.
About a month I tried in vain to obtain from the bank's refusal to Sat in writing. I was fed breakfast: "Three days later," he is now a lawyer, "it mailed to you by mail. Disclaimer I have not received so far.
In December, prosecutors read the police's refusal to institute criminal proceedings and to rescind it.
I wrote to the bank two more statements: for me neobodimyh documents in writing, and the abolition of an unauthorized transaction in accordance with the rules of payment system MasterCard.
Meanwhile, the recipient of my money Vyacheslav Makoviychuk wrote two claim to webmoney purse the thief and returned the bulk of the money: about $ 50 a thief had time to waste on trifles, and 10% of the amount of the claim is WebMoney, some other interest taken for the transfer webmoney purse thief to purses Makoviychuka. In sum Makoviychuk got 3933 USD, which are translated for me (put it on my credit card, with which the money had been stolen, the department Privatbank). Interestingly, in the day when the arbitration webmoney decided to transfer the purse thief Makoviychuku, a thief tried again to log into my account Privat2 4 - apparently hoping that I would unlock it.
This Privatbank arranged another trick: on the check, which received Vyacheslav Makoviychuk were printed my passport details. I wrote a statement in the bank on non-disclosure of bank secrecy.
Once the above amount has come to my account, I notified the Privatbank (as usual - by registered letter with advice, because the office I started fooling and send a statement to another department) and police (while verbally after NG will notify the police and prosecutor's office in writing).
That's all. Total damages (including interest accrued to me that Bank) was about 1200 UAH (less than $ 250). Why do I bank a "grateful".
UPD: Vyacheslav Makoviychuk allowed to reveal his full name and city of residence.
UPD2: The police suggested to me that the name of officer Sat Privatbank not Mirgorot and Mirgorodsky.
Conclusions:
What would be a good idea has not been the Bank and its Internet banking system, we must remember that the bank is in our country - one of the heirs to the scoop, and all work with the client is done through an appropriate place. If you can hang the blame on the client, the bank will do it. If not, the bank will do it too. We are not a civilized country, where you can tell that this transaction is not authorized, and its Abolition.
I used to rekomandoval all use the services of Privatbank, now I will not do. However, in the opinion of most other banks in our attitude to clients is the same.
Two password (in terms of Privatbank) does not provide sufficient protection money. Therefore it is necessary to use additional protection systems, for example, to use the system dynamic passwords.
I would say that the services Privatbank better not to use. If you find a bank with a better attitude towards the customers, be sure to write about it.
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