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This may include texts with the one-time-use multi-factor authentication code that is supposed to provide you with an extra layer of security beyond a passcode. Once your SIM has been hijacked, calls, texts and other data that are supposed to go to you are diverted to the imposter’s device. The bad guy may claim that his current card was lost or damaged, and having already amassed personal details about you from data breaches and leaks, phishing attacks, social engineering, social media, and public records easily found on the internet, can make the bogus ploy sound convincing. A con artist posing as you persuades your cellular provider to issue a replacement SIM card, or to port your number over from another provider. Newer eSIM types are embedded into the device hardware, which in some instances lets you have two different lines on the same handset.Įither way, here’s how the scam typically unfolds, according to the Federal Communications Commission. Some SIM cards can be removed from one phone and placed in another, so the risk of physical theft exists, though that didn't happen her case.Īnd not every SIM card is compatible with every device. Thomas says she isn't sure how her phone got hacked. The money was in Thomas' account Monday morning, she said. A day later, the bank called Thomas and told her they would credit her account with the missing money, which Chase confirmed to AARP. After AARP inquired to confirm her situation, a bank representative again looked into the case. Citing its own research into her claim, Chase initially sent a letter to Thomas indicating that in its view, “the transaction(s) was processed correctly or was authorized” and that “no adjustment will be made to your account at this time.” She reached out to Chase and T-Mobile, which acknowledged in writing “unauthorized activity” on her account, and filed a police report. Thomas then discovered that $21,916.41 had been withdrawn from her Chase checking account, a transaction she insists she didn’t make or authorize. Thomas shared documentation of the transactions with AARP. Bitcoins were purchased and sold through her Cash App account as well. She learned that requests for money were also sent out in her name to her contacts inside Cash App, some of whom sent money. Thomas was apparently a victim of a SIM swap attack, an all-too-common industrywide scam involving a hijacking of the Subscriber Identity Module chip card found inside smartphones, which links your phone number and account information to your mobile provider.
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A customer service representative replaced her phone’s SIM card. This went on for two days before she returned home to New York and visited her carrier, T-Mobile. I could only see kind of what was going on.” I couldn’t make calls, I couldn’t receive calls. “While we’re sitting there, I could see the transactions from the Cash App, but I couldn’t do anything about them,” says Thomas, 72. So they sent money to Thomas through the Cash App, a payment transfer app that acts like a debit card for small transactions, on her iPhone 11. Thomas’ sisters, who were also at the dinner, planned to pay a portion of the tab. Flight attendant Eunice Lockett Thomas couldn’t understand why her Chase debit card was declined in early June as she tried to pay a dinner bill while vacationing in Hilton Head, South Carolina.