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Mr. Luan’s account was activated with the VCB Digibank app on a new device and VND 406 million were transferred to the beneficiary at MSB, SEABank in 7 minutes.
Mr. Tran Viet Luan, who lives in Thu Duc district (Ho Chi Minh City), said that the accounts of the Vietnam Foreign Trade Bank (Vietcombank) incurred 4 transfer transactions on September 4 in the afternoon. Because he did not receive the SMS reporting the verification code, balance fluctuations over the phone, he did not detect it until he went to the bank for the transaction the same day.
“When I arrived at the Nam Binh Duong branch to make a money order, I started shooting when the staff announced that the account was only 5 million dong,” said Mr. Luan. VnExpress. Immediately after that, he gave the phone to the bank staff to verify that he did not receive the text message and requested to make a record and immediately stop the transactions.
This customer confirmed that I did not make 4 transactions and did not know who the beneficiary was. He said that before, he did not provide or share the username or password of the VCB Digibank service with anyone.
Customers using VCB Digibank. Photo: Vietcombank.
In a subsequent response to Mr. Luan, Vietcombank said that logging into your account on the new device and making 4 money transfers is completely valid. Vinaphone also confirmed that the bank sent a total of 8 verification messages and balance changes to Mr. Luan’s phone.
Specifically, at 11:00 am, the system acknowledged the request to activate the Digibank application from Mr. Luan’s account on the new device. The transaction object has entered the correct username, password, and authentication code (first OTP) sent to the phone.
Two minutes later, the system registers the activation of the SmartOTP function in the application and the subject also correctly enters the authentication code (2nd OTP). The subject then made 2 requests to transfer VND 89 million to the beneficiary Pham Lan Anh at the Southeast Asian Bank (SEA Bank) and entered the correct code.
After successful two money transfer transactions using the OTP authentication method via phone message, the SmartOTP authentication function can be used on the device. Therefore, at 11:07 am, the subject transferred VND 317 million to Vo Khoa Tuan’s account at the Vietnam Maritime Commercial Joint Stock Bank (MSB) through two transactions.
“This is the case of suspecting that the transactions are manipulated through the VCB Digibank application, which generates withdrawals in the account,” replied the representative of Vietcombank. VnExpress.
After receiving the complaint, the bank branch verified the system and worked with related parties to process the transaction verification request, issue the VCB Digibank password, and instruct customers to reactivate the service. .
Vietcombank also met with customers twice directly to respond, provide relevant information, and will continue to update while awaiting the outcome of the check transaction at the beneficiary bank. The bank advised and instructed Mr. Luan to report the case to the police to verify and arrest the criminals.
The Vietcombank representative stated that the bank’s system is secure and complies with the law related to the provision of online services, and at the same time, notes that clients keep identity factors secret and follow Bank instructions for transactions safe.
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