My Nightmare! I Was Shocked! What Happened to my Money
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- Опубліковано 15 вер 2024
- Retired American Living on Social Security in the Philippines Has a Big Problem With His Bank Accounts. When Living Abroad. Will Expats in the Philippines be affected by the US banking turmoil? Have an American Address. Have an American Phone Number. Banking in America when you Live in the Philippines.@mikesphilippineretirement @Philippinelifewithjanet @DumagueteRentals
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Good evening, Mike. Yes I could see that situation scaring the crap out of anyone 😮 But all these banking institutions are controlled by the same people, so it’s not unusual that you would get the same messages for each one.
It’s one big club and we ain’t in it. 🙌
But I still need the Banks. Just hope they leave the little guy alone
Banks have never been the little guy's friend. Credit unions were created to fill the gap, but now it seems they run like the banks. We are just a number on their ledger.@mikesphilippineretirement
When the ship goes down, be assured, they will save themselves first.
let us hope it stays afloat
good point thats scary to think someone who you trust could of stole your numbers people in General are just crap.....
I am now at 4:21 but please Mike, NEVER do auto password or auto username. It is one of the cyber rules to prevent hacking.
I will change that
@@mikesphilippineretirement yes, that is better. I also don't do it. Make sure to check your cookies if these are still saved on your laptop. I have my usernames and passwords written down on several papers when I need them.
This guy is correct , never auto password and get a VPN ...all the best Mike
@@craigkelly2266 thanks, I don't use VPN myself. I have not enough knowledge about it.
@@mikesphilippineretirement good call cuz if that service get hacked you are in danger, everything gets hacked once now and then nowdays sadly.
Someone getting one of your cards is one thing, getting all three is something else entirely. If they all are RF cards you just have to tap the machine with, odds are someone ran a scanner over your pocket in a crowd. Get a metal wallet to keep them in. If any of them don't have the RF tap feature, someone hacked your computer or gained fiscal access to all 3 cards in a very short amount of time. If you haven't used all 3 in the same place, I would assume your PC or home was invaded at some recent point.
good advice
I carry an RFI blocker card in my wallet. It looks like a credit card. Wasn't too costly either.
@mikesphilippineretirement you can run a full scan in windows security center on your PC, the default is a quick scan, so change to full for a one time scan, it takes 1-2 hours, so let it run and check at the end if anything found, it gives you options to remove if any.
Also run windows updates of course.
Don't use tappable or contactless cards. These are designed to help you spend your money more easily. As the saying goes "A fool and his money are easily parted". Use cards which require the manual input of a PIN number, I like spending money to be really difficult, it was really difficult to save it in the first place.
I travel a lot, I have had an RF wallet for a couple of years. Cheap insurance. Also watch the face of any ATM you use. There are several new stick on scanners out there that are hard to detect, they go right over the bank scanner and can be hard to spot. They allow scammers to gather card data for their later use. Some times being paranoid is a good thing.
Please don’t get sick in the Philippines 🇵🇭, if you stay in the Philippines please keep 600,000 pesos for medical emergency , this is the real life in Philippines 🇵🇭, if you can manage to leave Philippines 🇵🇭 to Guam or to Vietnam 🇻🇳 or to Thailand 🇹🇭 where medicine is far more affordable and hospital 🏥 is more Human friendly
600k for medical. please stop it
@@mikesphilippineretirementGod forbid , let me how much would they charge you for heart attack or open heart surgery
My 1st concern would be how someone had access to all 3 of my debit card numbers. Maybe someone had access to them physically or maybe someone got into your digital wallet if you have them loaded into your computer. That needs to be discovered or it will happen again.
your right I need to find out what happened
Damn Scary, This was my thought as well… what single source had all three of your cards data stored? Digital Wallet, World Remit are the two that jumps out ..
@@mikesphilippineretirement first you have to figure out where you use your debit cards. Good luck
Mike saved all his ID and password in his browser, that's the "auto-save" feature! Someone hacked it. Luckly the 2-step-verification protected his assets.
Mike, you are ex military. Use NFCU and USAA, they are accustomed to members overseas
yes I am ex military. Will look into it
Facebook is the biggest problem.
why do you say that
@@mikesphilippineretirement alot of people get viruses thru Facebook or get scam hacked. Most of the time they just get the Facebook hacked but if unlycky they can take control over more.
@@kumaroadking1580 NOPE, it’s what you put out there on Facebook, UA-cam or social media that is the biggest problem. Anything you put out on social media exposes your habits, social circles, financials, friends, employment, source of income, etc & these are mined by scammers that now use AI, making it easy to try scamming people like you Mike.
@@mikesphilippineretirement what information you put out there whether on Facebook, UA-cam, Instagram are mined by scammers that now use AI. You are identified as a phishing target and potential financial mine with all the financial information you’re putting out there. You have identified your credit union account as the biggest target having declared yourself that it’s your biggest account.
@@mikesphilippineretirement They track everything you do and sell your info. How do you think they make so much money?Worst thing to ever come to the internet.
Thanks for the video....Probably the most important topic besides healthcare for us considering retiring abroad.
Glad it was helpful! thanks for watching
Hi both I’m glad nothing drastic happened to your accounts Mike. I could really feel the concern in your voice.
Best wishes 🙏🏻
all is good now
I’m in Canada (my partner is from the Philippines) and my credit card has a charge of over $800 the other day for some tourist company in Alberta! After a few phone calls to my bank and the travel company it was all sorted out, but the person had booked tickets under their own name and their address (which was relatively local to me here in Ontario). Needless to say I stopped in the police station on my way home from work with this info. Not a nice feeling when you see something not right with a bank account. Always check regularly!
glad you stopped it
I’m from Canada as well. Not a racist but possibly East Indian scams.
@@JeffBrandenburg-bp4dm they actually were - they had East Asian names
@@JeffBrandenburg-bp4dm how did you know it’s actually East Indian, not Nigerian or East European? That was racist. Glad you’re not in the Philippines. Just stay in Canada.
7:56 It was Janet. Case solved!!!
hahaha maybe
Lol
Google voice is great for text and voice.
That's a really mean comment
Good one!
My bank contacts me through email and text. It costs to maintain a U.S. phone number, but at times like this, it's a necessity!
My credit card and T-Mobile bills are paid through my bank.
So glad the hacks weren't successful! 😲
yes thank God. thank you Jerry
Ah.....the dreaded dual identification...best of luck Mike!
duel soon to be triple
And with brokers you can't turn it off, it is obligatory, I don't like it
The same happens in Europe. It is like it is.
what can you do but take care of your business
@@mikesphilippineretirement question everything and add layers of security.
Mike, I had someone hacked my Social Security account and tried to change the banking information. Thankfully, Social Security sent me notification of the transaction, and I was able to stop it before I lost any money.
glad you stopped it LLL
I would recommend that connect all of your accounts. That will allow you to move money electronically between those accounts. Then get rid of a couple of debit cards and only use credit cards. Also set your credit cards to send you notifications whenever the card is used within minutes.
thanks for the info
WOW, sorry this happen Mike. My morning routine is just like yours, check all the accounts everyday. This happens to me when I clear my cache and browsing data and I just did this last week before we move to the Philippines in 4 weeks. After you clear the data which does improve performance and you first try to access any sites it will not recognize your computer, basically starting from scratch like you just bought a new PC. Then, I got the same alerts from Schwab, USAA, NFCU, Chase, etc. I have a US Verizon Phone number so I get these 2FA codes and Ghen and I will keep these US cell numbers for this exact reason. This is good info to know Mike and definitely watch for any hacks.
thanks for sharing Jim
Well done Mike.. we enjoyed the energy behind your video you look very well rested stress-free what a great day after getting it all behind you I'll bet ..$50 a month well spent brother.. I can imagine your shirt must have been just drenched in sweat when you opened up and checked your accounts.. but I'll bet you slept well after it was all cleared up...
I sure did sleep good last night
It's always a big worry for expats, that you are going to scammed or locked out of your accounts. I have vpns on both my laptop and my phones. I also have 2 simcards one for my home country, and one for the Philippines. I also don't have any banking apps stored on my phones. I use my laptop only for banking. My accounts are 2 factor authentication and also send a code to my UK phone to access.
Worthwhile also noting that other channels have recommended access to Remitly and Wise as backups.
This is a good subject to discuss 👍
"I use my laptop only for banking" or "I use only my laptop for banking" ? Word order matters! But good advice re VPN for phone. Banking apps on phones seems a weakness.
@@CharlesWhite-j4f I was in a hurry. I should have been clear - when accessing my bank account, I only use my laptop to do so. I do not use my phone or any other device.
Glad you caught that and got it straightened out. Good video, Janet and Mike...Jim
Thanks Jim
I had to use my credit card and let the server take it in back. Well later that week I was checking my bank account and saw three small charges of $2-3 on it. I called them and they told me that’s how they see it if is still active. Then they would start with bigger things and money advances. I do like you do Mike, not daily but 1-2 times a week I check my bank and credit card accounts.
checking your accounts should be a normal thing we do. once a week or everyday just do it.
Hi Mike.
Thanks 👍 for making this important informative video.
I agree that it's very important to keep your American phone number always active.
Take care and keep up the great work.
Great point!
I think more shocking is your thumbnail guy has 11 fingers! :) I have 2 US bank accounts... Schwab is one for the fee refunding and a little investing. When I cam here, I brought my $20 a month Google Fi phone/plan with me and includes my US number. It has access in the Phils via towers here, but because it defaults to WiFi for calls, I never have issues with the one time codes for this reason. Also, my phone is a Google Pixel... and it has an extra sim card slot which has my TM Philippines number which I almost never use. So one phone, two numbers, US and Phils, all is well.
I do not have a local bank account, nor do I think I ever will have need of one. Bought a new car a few months back and wired the money to the dealership... smooth sailing.
Great vids guys, and I notice the quality bump! Keep up the great work.
Good info mike. This is the kind of thing that should scare any expat. I'm still in the US and I could feel your anxiety 🥴
Imagine living deep under water and your oxygen line gets cut, seems like a similar position
My Filipina wife here had her FB content creator page hacked! They stold the Page, so after 4 days and about 60 hours of trying, we had to change all logins, and start a whole new page. She had spent almost 3 years of hard work to build her page, and now she's started all over again.🤬🤬🤬
sad to hear that
I work in IT. Use strong passwords, and change then periodically (once a year even). You can generate and store your passwords in a password safe. I use KeePass but there are many good password applications out there. Just make sure you read the reviews and you'll be okay. Also, choose a very good password to get into your password safe program.
They’re not friendly for sim card removal, but, IPhones will allow you to receive and send texts in real time, as long as you’re connected to the internet, without charge.
maybe not sure about that being here in the Philippines
@@mikesphilippineretirement I found that my IPhone works that way years ago. As long as I have WiFi, I can message in real time, even out in the provinces!
For the phone I have a dual SIM mobile phone and have my original UK SIM in which I have kept the account and also have a Philippines SIM in it which is default for calls, texts and Internet in the Philippines.
Any texts from my banks will come in on the UK SIM which I will receive as don't have to keep remembering to switch on a separate phone.
When paying for anything using a bank card never let it out of sight, let them bring the card payment machine to you don't let them take it away.
thanks for the info Keith
Great advice !
Or transfer money from a bank account to a prepaid card such as revolut when you want to buy something. Keep a bank account with a high/higher balance secure and don't take the card out with you. Just keep a small amount on the prepaid card and top it up when you need to buy something more expensive.
😮Damn, all 3 debit card accounts though? Sounds like someone stole your identity for them to have access to 3 different accounts. Unreal and the nervous breakdown it would’ve caused me is unthinkable. I’d be beyond furious. Glad you got it all squared away and keep those cards locked as you said and unlocked only to make a purchase. Sorry for your troubles Mike.
everything worked out ok Charles
I generally switch on my computer with dread, fearful that something has gone wrong with some account or other. When everything is OK I breathe a sigh of relief
hahaha yes I agree i can be
When you see a couple of small transactions, the institution is trying to transfer funds to a new external account to link them. Once the value of those transactions are confirmed then the institution knows that the requestor has access to both accounts and larger funds can then be transferred
thanks for the info Joe
NEVER click on an email link! Instead call the broker or bank directly. 90% of links are fraud!
thanks for the info Randy
@@randyfocht737 That’s the best advice in the situation Mike described. Delete those links and don’t even bother wasting time calling your broker or bank.
I truly believe there is internal fraud happening within the Philippines banks. My schwab debit card got hacked as well. It was a couple dollars. Schwab alerted me and froze my card.
I never used this debit card other than the Philippines. Mostly ATMs. After I returned home a few weeks later, a fraudulent transaction occurred. Kinda peculiar.
Thanks for sharing
Hi Mike & Janet great video I could really feel the concern in your voice. Glad nothing drastic happened. 👍
all good thank you
Two factor authentication. You didn't need to call or make contact with them on those accounts. They would have texted you a code. Many times, this happens when they detect logins to your accounts that are not recognized!
for me it was better to call and make sure I understood what happened
Someone in a store could have cloned your card. The Banks probably saw some suspicious transactions, perhaps in a strange location, and decided to lock the account until you got in touch with them.
I agree
We use Google Fi on a Motorola phone that works great for $25 per month.I almost went T-Mobile until a friend told me about Google Fi. All the other information you presented in your video seems accurate to me. We do have a US PO BOX but it's connected to a street address so no problems there so far. Great info!
Thanks Dan
Good evening! Sometimes if you normally access your credit Cards or Bank in your laptop then if you access it on your phone it will ask you for verification, that is why my husband and I, use a US phone number so we can verify our identification. Do you use VPN, sometimes it affects it too.
Thanks for the info! The VPN needs to be off to check my WF and Cap1 accounts. I have a US number and can get Texts
@@mikesphilippineretirement I have a US TMobile #, but I can not open a text because to see a code because the number does not work outside of the USA. Also those calling and data plans, only work for a maximum of 90 days.
Hey Mike . Same thing happens to me last week with a suspicious payment from a retailer I don’t know .
Thankfully the transaction was declined , however the card was cancelled. The card company advised the delivery of a new card was required
PS- my wife Lovela and I met you today in Valencia. It was great to meet you and hope to see you around
Hey Mike, for the hacking issue, this is probably a computer hack. Personally I would reinstall windows and all the software from scratch. You can have your PC scanned by a professional. I dunno if it's available for US debit cards, but some banks allows to make virtual debit cards that you only can use once to make a single payment. This way, if someone hacks the virtual card, it is useless for him.
By the way, it seems these are growing new bank security standards being implemented worldwide. It started in Europe, and now banks everywhere are following suit. Unfortunately, you'll need to renew that security check regularly, sometimes every three months, depending on the bank's level of paranoia. It's annoying and definitely not customer-friendly
thanks for the info
It happens to all of us, BTW, do you use a VPN?
yes i do
@@mikesphilippineretirementwhich vpn you recommend?
Thank God it was fixed Mike. Hope it will never happen again.
you and me both
Consumer Advocate Clark Howard recommends having a dedicated device to use for banking and other financial services. Never use the same device for surfing or other internet access. Get yourself an IPad or good tablet and use it for financial transactions. Then turn it off.
The bas-ards can probably get into that too. Who knows? We live in a world which is insecure
I would make sure your laptop is up to date, run an anti virus and malware scan. I'd also try and figure out what ATM's and stores you have used all 3 cards in.
Having the info on 3 cards stolen at one time is pretty serious. It sounds like either your laptop is compromised or a place you have used the cards has a scanner.
thanks for the info
Use Linux instead of windows for better security. Or dual boot and use the Linux for banking.
Hi Mike. Love your channel as always. Great topic too. Banking! Having returned to the UK in March this year to see my family and attend my dearly departed mother. Upon returning home to NZ I suddenly found when I tried to access my UK bank accounts, I couldn't no matter how I tried. Eventually I phoned them which is a nightmare in itself. In an unapologetic and matter of fact way, I was told that all 3 of UK accounts had been closed. They never contacted me either by mail or email despite them telling me that they had. That made me livid. To no avail. They blamed Brexit as the reason which occurred back in 2016. Limp excuse if ever I heard one. Anyway that means despite everything I am now trying to get my frozen accounts money sent to me now that I no longer have any money accessible in the UK. Having banked with this bank, one of the Big 4 banks in the UK without notice or care, my 60 years with that same bank amounts for Nothing. Outrageous behavior and all because they Can. Just hoping that the money they hold from my accounts will eventually be released so I can forget the whole disgusting episode. Shameful getting screwed for no other reason other than residing in another country. Appalling so pleased that you raised this very important subject. Thanks Mike for the excellent work you continue to put out on your terrific channel. All the best to you and Janet.
Thanks Richard
the login gives you three times to login. if you can't get it right, it closes you down for an hour then you can restart. If more problems call the security team of the bank.
thanks for the info
I use my debit from my credit union and also use remitley…. Never have an issue…. Great video.. glad all was sorted for you… Go Georgia Bulldogs… 😊, I’m in Angeles near Clark… glad you had a good trip here. Hopefully I’ll make it down your way one day.
maybe Ohio and Bulldog in final game of the season
Go Dawgs!!
Somebody is phishing in your account. I don't use debt cards here, it's cash or credit card. I have the credit card companies send one time code to my daughters phone and she sends it to me, it's been working good
glad it is working for you
Same thing happened to my Schwab account and I live in the States. I canceled my card and requested a new card. I never do auto passwords on my PC that's the quickest way to get your info hacked.
Valuable information, I'll keep that in mind! Thanks 😮
welcome Tom
Kind of a bad situation for sure Mike. Here's what we do. We keep a Canadian address with Merlyn's son back in Vancouver and both she and I keep our Canadian phone plans just in case something like that arises. I always keep my Canadian phone charged and turned on, but shut off the Data which allows the (what seems more and more frequent) security codes to be sent, as well as my son back home and I occasionally text one another. I know we can drop the Data completely if we want to save a bit more but our plans aren't that much cheaper without it.
thanks for the info Tim
Hello Mike, Good PM, from Canada. Can you not keep only one bank? so that it would be complicated? Try to call the bank instead. That's the best.
I did call all of them
I'm in the US, most financial institutions are going to two part authentication, where they text a code which is good for 10 minutes or so. Never use debit card for any purchase, even have friends who use pre-loaded debit to limit any losses. I have son in Thailand who I receive texts every week or 2 asking to confirm if he spent money somewhere. Yeah, he still uses home address and my phone as backup.
thanks for the info
I agree with the man below. NEVER let your computer store a password! Facebook is a big privacy problem. As a matter of fact I would have a seperate laptop for only my financial transactions and use a VPN on it besides
Also! Debit cards are the biggest security link to your account. Only carry them when you need to use them. Use a Credit Card instead and send yourself cash when needed by way of Remitly or some other source
thanks for the info
That happens to me all too often mostly with Bank of America when it happens, they cancel the CC and send a new one with no choice in the matter. I get alerts by phone and PC. Thieves don't even have to have your card as the smart ones use a random number generator until they get a good hit in a fishing charge. I'm in Florida considering a trip to the PH's even here it's a PITA! Good luck. Great job on the videos!
thanks for the info Mike
Why it's good to go home once a year
many guys do go back
It's paramount to have double authentication now-a-days. Security measures need to be upped on all accounts because of ever increasing hacking that is happening. Also, I suggest while in the Philippines, you have two phones - one that you can potentially lose, and the other with your banking stuff on it in a safe place at all time. So if you take a hike, take the 2nd replaceable phone... With the advent of AI, Mike, you need to employ every security method possible to secure your accounts with 2nd and even 3rd tier methods - text identification is the simplest.
thanks for the info Steve
Dutch banks are usually contacted by (intl) phone call. Their fraude dept is available 24/7. Another possibility is usually a chat function.
We don't deal with cheques anymore in Europe, since the turn of the century, so I'm not too worried about that.
Random fraude suspicion, now that's a different story unfortunately. Based on behaviour on the account, and yes also location CAN be a problem for some banks.
Dutch bank however will never try to contact you by phone. They will send you and in-app message or email with the request you call them!
thanks for the info
thx Mike,,glad you got everythjing fixed,,
thank you
Hi Mike and Janet ❤️ What a nightmare the Banking system. Sorry my friends you went through that mess.😔 Thanks for sharing..👍
Thanks Herb everything is ok now
I tried to purchase a global SIM card when I was there in Cebu. Most of the Cell stores in the Mall was asking for about 100bucks. And they were acting somewhat shady . Did you purchase your Sims in the US?
yes
Most account require two factor authentication now. Do you use a VPN?
yes i do
That's scary stuff Mike! I would be freaking out if that happened to me. I hope you find out what happened.
just get new cards
Union Bank of the Philippines "lost" $1000 of my money. Somebody bought a bunch of electronics. The bank wouldn't cooperate. Later, when it was too late, it was an insider of the bank that robbed me. The bank was covering up that one of their employees had done it. I changed my debit card and keep it locked . I never saw a penny back.
Always have a joint account in the Philippines. If somebody dies it's 6 months of paperwork to the BIR, buying insurance and much more to get the money. Many Filipinos just give up because they throw so much paperwork at you.
BDO bank wanted me to wait 3 months to check me out to have the privilege to bank with them. I filled out the paperwork and never returned.
Mike get a RF frequency blocker for people copy credit and debit info by simple walking next to you or you're are in close proximity to credit/Debit information
thanks for the info
Drama King
who
My daughter started her first savings account when she was eight years old. It was dormant for too long and the state of California stole her piggy bank money. I started her account so she could learn about money and banking. Lesson learned but not the one I intended.
wow bad California
Mike it’s 2 step authentication. It’s a safety feature.
Great learning experience, Mike, thanks. How often do you even use a debit card in the Philippines? Is that how you draw out cash from ATMs? I* use mine mostly for online purchases through known merchants.
Thanks for sharing.
Our pleasure! Roy
Good topics on this video. My financial institutions are using newer processes with multi-authentication that frequently do send a numeric code to my known phone number. I also more often run into issues when my VPN is turned on. Obviously, they are using more complex security than just validating to an IP. I do have more trust on my iPhone but recent scammers have become very good with phishing email and text. I do like my AT&T International Plan which so far has easily allowed me to use my U. S. phone while in the Philippines at a reasonable cost. Thanks.
thanks for the info Keith
YES! THIS IS EXTRA SECURITY! The hackers are really trying to break into people's accounts.
Thanks for sharing
Mike I'm sorry that happened!:❤
thanks Linda. it is ok now
A lot of banks, including my own, have two step authentication. They are doing this to protect from hackers.
thanks for the info
I, so far, am keeping a US number. My carrier offers international service very inexpensively ($25/month). I converted that SIM to an eSIM and then installed a Globe SIM in the physical slot for local calls/texts.
good job . good info
Which phone carrier do you use , ty
What is the name of your phone carrier that cost $25 a month.. thanks 👍
Another question: on your phones : with your American phone number with T Mobile can your American phone number have an esim card for the country you are in. Im 70 yr old female who will be traveling solo
it could but I use a different phone for using a Philippine sim and phone number
Good luck getting your cards I'm still waiting on USAA 90 days later to replace my credit card
Fingers crossed!
My experience with USAA have been positive in the past, I'd give them a call or a message thru the app if I were you. I've had them send a card to PI and it only took 2 weeks, but that was a couple years back. Just last week I had to get my card replaced again and it took a week to get it, this time I'm on the west coast.
@yomama383 I been talking to so many different people and levels they saying they only have room for 26 characters on a line and where I live in Philippines ain't none of these places are short address here. I told them to put the head potato head on a plane and fly to Dumagete then take a 4 hour bus ride to Gulignhan City, Negros Oriental. And hand deliver it to me cause if I have to fly back to America they will pay for the plane ticket , hotel, and rental vehicle since they assured me over a year ago in Florida that no matter where I am in the world they could send me my debit or credit card since they deal with active duty all over the world and retirement personal
Here in the UK, every time I use my debit card, I get a notification through my banking app that requires me to approve or decline each transaction.
Also if you have a US or UK sim card, you can set up call forwarding to your philippines or Thailand phone number.
thanks for sharing
Make sure you have a RF ID wallet to block people from getting your card scanned
Simple. "SECURITY UPDATE" and most times it will effect many/most financial institutions at the same time. Probably a new threat was detected, a security patch was developed, and now you need to use a more advanced log in to confirm you are who you say you are.. That usually only happens once, when a new security patch is applied to your bank. I wouldn't stress too much,
thanks for the info
MIKE, my name is James listen to your videos all the time on your current video about bank accounts. How do you get the new card debit card credit card whatever it may be to you in the Philippines how do you get it forwarded there do you have a mail pick up in the Philippines? I know the address is in the Philippines aren’t so good.
fedex
Hey Mike. Just a couple of things and I apologize if you already know. If you log into your accounts using different browsers or a different computer, your financial institutions will often say that is an unrecognized device and will ask to send you a text or email with a code to verify it is you. Also, if you clean your browser's cache or you have a security program that does it, it will often delete the code the financial institution places on your browser to recognize you...then text, email procedure again. Lastly, regarding your CU, can't you just make World Remit a payee on your bill pay system and transfer money to yourself that way? Take care.
The best thing to do when you get a notification from your bank or credit cards is to call customer service directly. Do not respond to any emails or text messages and definitely don’t click on any links! The messages might look like the real thing but it could be that it’s fake.
Good point!
You should be able to receive calls and text if you set your phone to a wifi calling even though your phone is set to aiplane mode.
I too get up at 4AM. first thing I do is coffee, check E-mail, then bank acct and credit cards.
men of habits
@@mikesphilippineretirement where in New Mexico were you?
ABQ
@@mikesphilippineretirement You mean ABQ. LOL!
yes hahaha
Charles Schwab is asking this is new to me too, but it’s their new feature to making sure it’s you
Yes I understand and like they are keeping my money safe
You need to get NOD-32 from ESET as soon as possible.
will look into it
Hi Mike - Great Video - I feel your pain - this happened to me but luckily i had my Australian Phone On and got messages of transactions - I have 3 Bank Accounts- BUT NOW I have less than 10$ in each Debit / Credit Card - I have a main account on each and Transfer an Amount before i need to Use It - Anyway if anyone says it won’t happen to me - IT WILL Eventually -
thanks for the info
we fled Elephant Butte, NM to AZ during covid because of the Tyrant governor there. I was born and Raised in Silver City raised in Lordsburg.
thanks for the info
In my opinion, the banks close your account if someone is trying to steal from you. Then you become a risk for them, because they may be held responsible.
Don't give personal info on UA-cam. Don't advertise your banks.
Banks communicates with other banks. when one bank believe someone is trying to steal from a customer. They notify other banks.
@@JR-vs1zl Yes, not a good idea🤦♂
Just as an insurance company wont insure your home for fire if you are careless with matches.
They close your account for one and only one reason: they don't make enough money of your account. They want you to have large balance, loans, active credit cards, mortgages etc. If they don't make money from you they will close
I always laugh when I heard people call Facebook, 'The Facebook'.
hahaha " The Ohio State"
I got Navy Federal. I recommend that to everyone. It isn't that hard to become a member. I'm not military but my brother is active Navy, and I got in through him. There are multiple ways including just being a roommate of someone that has Navy Federal.
good bank
Stop dancing around the bush , and tell them about the real cost of medical care in Philippines 🇵🇭, and I am talking about the private hospital
your a very sad man
@@mikesphilippineretirement you mean very realistic man , hopefully reality doesn’t catch up with you.
@@mikesphilippineretirement please don’t end up like the big man in philipinese, tell your followers about the risk of getting sick in Philippines 🇵🇭, and how much they might end up paying and what would the hospital do to them if they fail to pay thier bills ,that is the real nightmare , those Filipina girls are the first one will leave you ones you are dry and sick , I was smart enough to leave Philippines while I could, you are a good man and I wish you a good healthy life .
I've been with bank of America for 40 years i do transfer 150,000 php every month the rest of my pension stays in my checking account.
Never had any problems.
good to hear and thanks for the info
the 2.35 is a hack. they are trying to see if you respond to that amouint. I had it happen with .95 charges. I had to have new debit cards reissued to me to get around that.
I got new cards coming
double security checks on logging in, its ok. I have that done to me for years. it prevents hacking.
thanks for the info
Sorry for your troubles, Mike. Dual verification has become the norm. My bank offers text or call for secondary verification. I choose text, and it pops up right on the screen to copy. You're not finished with this. Further investigation is required. I had this happen 15 years ago in Thailand. It turned out it was my girlfriend, and we were at a point where her coming to Canada was being discussed.
thanks for sharing
Sorry your girlfriend did this to you . ❤
@@mikesphilippineretirementHope all your accomplishments are secure now . I have known coworkers who had their phones hacked. ❤
@@lindawilson795 No worries. I never would have met the beautiful wife I have now if not for her error in judgment.
See if you can find what area the attempted purchase was made,and if any family member was in that area,3 at once sounds like someone was out and needed cash ,but I don't know your situation but you have start ruling out locally then move to other possibilities .oh and one more thing is the resetting of the password might have been done to change pin so could use the card ,not knowing it had triggered a warning on failed pin attempts .
Be careful with your blood pressure Mike.
I will hahaha thanks
I would be concerned about not having one credit card always unlocked in case of emergency hospital. Visit, you don't have time you're not cognizant. You just can't log in whatever reason you know them. People aren't gonna serve you without the credit card. Health Insurance is great, but on the weekend there. I wouldn't want to be without that one credit card always open. All US credit cards are protected from fraud and you can just set up alerts.So anytime your credit card is used.You're asking if this transaction is acceptable better option.
Hi Mike sorry to hear that , but I was curious T-mobile told me they will close my phone account if they find out I am abroad for good or take up to 3 months and then close. Also I got a price of 80$ international service 5$ off for direct payment so 75$ per month , how do you get service from T-mobile for 50$ a month 2 lines ? I have 2 checking accounts with my bank to get 2 cards card dies or loose 1 I`m covered , and can transfer funds between the 2 accounts . I also have remitly for getting money every month , and have wise as well . Thats my biggest worry not being able to get money , have a very nice rest of you day frank.
T Mobile Globe Plan you can try other carriers also
I would highly recommend dual authentication on all your accounts. Much safer. The big problem is if someone steals your phone or you lose it. I have apple, so when my phone was stolen in colombia i was able to shut the phone off with my ipad. My secretary went to at & t in the states and got me a new phone and I was able to get all my authentication codes from her while i was out of the country. I would not recommend overnighting a phone to a third world country
thanks for the info