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13 Investigates: How criminals are using mobile banking to steal from your bank account - YouTube
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it's no secret covet 19 has changed the
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way we do things
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for many of us that includes how we
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deposit checks
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during this pandemic millions of
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americans switched over to mobile
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banking
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because it's incredibly convenient but
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tonight our bob segall shares the dark
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side of mobile banking
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that many people don't discover until
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it's too late
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rob fein and harold wilson have never
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met but they have a lot in common
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both own small businesses both are
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victims of check fraud
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they're stealing the checks out of the
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mailbox it's actually just
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theft and both are out a lot of money
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four checks was 12 thousand dollars
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three checks for a total of twenty one
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thousand dollars we lost
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these are the checks rob is talking
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about he says
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after they were mailed someone stole
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them and changed the names
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instead of going to vendors the checks
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went to michael king
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martjuan roe williams and hannah ivy
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who are those people i have no idea how
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to answer that question
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and look at that check the altered name
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and address were literally
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cut and pasted onto the document and yet
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a bank
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still cashed it i mean as far as con
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jobs go
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this isn't even a good one it's
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ridiculous i don't know how
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it ever got past anyone these are the
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first four
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the checks stolen from harold's company
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were doctored and completely
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forged according to the office manager
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the address and all has been changed not
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the way ours is
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actually laid out and they put in their
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own name and signed
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four different names here four different
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people signed these checks the amounts
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are whatever they chose to try to get
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out of our account
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they made their own checks just by
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getting information off of our checks
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it happened last summer and just a few
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weeks ago
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harold and his wife had more checks
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stolen this time
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not from their business this mailbox
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right here
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your whole mailbox my whole mailbox and
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again the criminal was sloppy
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simply whiting out portions of the
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printed check and handwriting a new name
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address and dollar amount the original
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check was for just 63 dollars
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why would a bank accept something that
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looks like that
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because it went through the mobile
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banking some of the new technology
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is letting people get away with this no
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question what makes it
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easy to happen is the online app that
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banks give you
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this is what they're talking about those
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handy mobile banking apps that
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millions of people now use to deposit
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checks
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just point and shoot and you're done no
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need to drive to your bank or
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atm since the start of the pandemic
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mobile banking has skyrocketed last
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april alone
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right after the pandemic started new
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mobile banking registrations jumped
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200 percent consumers are not the only
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ones who enjoy the convenience of
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depositing checks by phone criminals
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love it too the fraudsters have are
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always one step ahead and they figured
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out
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how to make a deposit
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and quickly go and withdraw the money
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john ravita is the marketing director
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for sqn banking systems a company
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that provides fraud detection tools for
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banks
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he says mobile banking is ideal for
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criminals
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because they never have to actually show
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up at a bank
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i think the challenge with mobile
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banking it's faceless
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in 2018 even before the spike in mobile
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banking
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criminals stole 1.3 billion dollars
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through check fraud according to the
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american bankers association
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but that same year banks stopped
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10 times that much in attempted fraud
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thanks to sophisticated technology
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they're doing a heck of a job stopping
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check fraud as best they can
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but if banks are doing a good job and
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they have the technology to spot
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fraudulent checks deposited by mobile
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banking
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why do they still accept blatantly
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fraudulent checks like these
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ravita says many smaller banks and
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credit unions have not invested
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in adequate fraud prevention tools and
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even big banks that do use the
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technology
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can't inspect every single check for
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signs of fraud
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that doesn't always happen it's just not
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cost justified to look at every check
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13 investigates reached out to the
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american bankers association which
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represents the banking industry
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a spokesman told 13 news protecting
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customers from fraud is a top priority
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for the nation's banks
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banks of all sizes use a range of
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sophisticated systems to
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prevent the overwhelming majority of
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fraud attempts when fraud does occur
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customers are typically made whole have
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you gotten all this money back from the
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bank no
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they said we allowed it to happen harold
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and his staff have now waited
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nine months for their bank to make them
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whole rob's bank has reimbursed him for
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only about
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half his losses nobody's jumping up and
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down and saying oh we're going to take
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care of this we're going to take care of
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that
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both businessmen say they know other
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people in the same boat
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and now they're hoping to warn others
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it's a big deal
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you've got to stop this problem it's
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unreal
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that the world's gotten to like this
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where you can't use your own mailbox
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people
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are getting away with this it doesn't
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seem like anybody is having to pay for
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what they're doing
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police reports have been filed for each
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of these cases but
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so far no one's been caught criminals
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know check fraud cases don't always get
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high priority if you write checks or if
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you use mobile banking we've got tips on
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how to protect yourself
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at wthr.com 13 investigates
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