DEGABA:
Saturday 18th December 2021 was the day I would have regretted being alive because my savings account would have been wiped out completely.
That Saturday, I was working on my blog, writing a post. I usually do that on weekends, but not every Saturday. I sometimes do it on Sunday after church service, and I always make use of my desktop since my laptop is faulty. 
As a blogger, I usually need three to four hours to write and publish a post if I want to have it go live the same day.
So I was busy proofreading my post and making some corrections when I discovered that I couldn't continue because I was getting weak and sleepy. Around 11 p.m., I had to join my wife in bed since, as a full-time worker who also blogs as a side hustle to supplement my monthly income, I need time for wifey affection since it's weekend.
Back to the story, I was about to shut down my system when I saw a pop-up email message from my savings bank account that said there was a login into my bank App.
However, the said savings account was opened in 2008. I was not using it as my main savings account so I opened a bank App for easy banking activities for it.
I was using the app, but since I discovered that the money in the account had increased a lot, I decided to deactivate my ATM linked to the account and stop every withdrawal from it except through the banking hall.
I did this for safety reasons since all my life savings are there. I opened other accounts with other banks where I linked my ATM card and Banking App. These ones have funds for my monthly expenditure and miscellaneous needs, so I don't touch the savings.
So, that night, this message came when I logged into my bank app: if I was not the one, I should alert the bank with their hotline.
Immediately I saw that message I tried to ignore it because am no longer using their APP and my ATM deactivated. But on a second thought I decided to call the line, luckily someone picked immediately.
This was happening few minutes to midnight. The lady asked if I have a bank APP and I said no, she said I should not worry. I then dropped the call and thanked her.
I have joined my wifey on the bed but still not comfortable so I decided to tell her what happened. I was still with her but the appetite was lost since my mind was not settled.
I was still wondering how a new banking app I hadn't subscribed to could be linked to my account. Immediately, I remembered that in 2012, after 4 years of opening the account, I was using a bank app but not the same name as the one the mail I received that night mentioned. I looked into the APP and discovered an astonishing fact: the said new APP can be logged into using the pin code I used in any previous app I used.
I jumped out of bed tried to block my account by myself but it wasn't going, then I decided to call the hotline again and another lady picked immediately. 
I told her to block my account that I have unauthorized access to it which she obliged and blocked immediately. I narrated everything to her and she only apologize for any inconveniences. I forgot I sent a mail to them as evidence which they replied with the same line of apologies.
I took that drastic action based on the issues of this fraudsters that normally operate during midnight's of weekends, so that they can wipe out all your money before morning.
My question is, how can someone has access to my PIN if not inside job and I suspect all those IT staffs in that Bank.
Another issue is how can the retain my old PIN of about 13 years ago depites that I don't use the App again and still allow access to a new App with the same old Pin code.
I might have acted out of ignorance but I just want to be careful to avoid story that touches the whole body not only heart.ok
 
 
 
 
 
 
 
 
 
 
 

ZooCountry45:
See bro, if you dey street your eyes go open.
99% of fraud on banks are done by bankers. They know account with long history of no withdrawal and so on.
If I tell you most of the things I heard since I entered street, your head go bust.
Some times na Bank manager dey carry Aza dey find hackers!! Hahahaha

Aaaaarghmed:
true,one of my guy,na one employee of zenith sell the App wey he dey use hack zenith accounts.he bought it 2m.Any zenith account wey loose guard Atm details,bvn ,pin..front and back Atm,address of owner,date of birth.guy na zero balance the owner go see las las.