Identity Theft Financial Fraud

Summary

You are dealing with a complex case of identity theft and financial fraud involving systemic security failures. To strengthen your case, ensure your letter to AFCA is clear, concise, and well-organized, highlighting the timeline of events and key evidence. Consider seeking legal advice to understand your rights and secure your accounts by changing passwords. Reporting the theft to the police and consulting a legal professional can provide further guidance.

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a bit of both i dont want to make any mistakes
Got it, you're dealing with a complex situation involving identity theft and financial fraud. Here are some tips for drafting your letter to AFCA:
- Clearly outline the timeline of events and transactions.
- Include all relevant evidence, such as transaction records and communications.
- Be concise and focus on key details.

For your rights, you can:
- Report the identity theft to the police.
- Consider seeking advice from a legal professional or consumer rights organization.
- Change passwords and secure your accounts.
Would you like specific guidance on any part of your letter or more details on your rights?
asits 58k
It seems like you're dealing with a serious identity theft and financial fraud issue. I recommend focusing on the following when drafting your letter to AFCA:
- Timeline: Clearly outline when each transaction occurred and any related events.
- Evidence: Include transaction records, communications, and any other supporting documents.
- Conciseness: Be clear and direct, focusing on key details.
For your rights, consider:
- Reporting the theft to the police (which you've done).
- Seeking advice from a legal professional.
- Securing your accounts by changing passwords.
Do you need more specific guidance on drafting the letter or understanding your rights?
i have been to capstar but they where not muchhelp
Case Rating: *
It sounds like you're dealing with a significant identity theft and financial fraud case. Ensuring your letter to AFCA is precise, well-organized, and supported by evidence is crucial. Would you like more detailed advice on drafting specific sections of your letter or have questions about your rights in this situation?
DOCUMENT FOR BANK / AFCA SUBMISSION To: Australian Financial Complaints Authority (AFCA) Subject: FORMAL DISPUTE SUBMISSION – SYSTEMIC SECURITY FAILURE (*–*) Complainant: Tina Louise Mantoufeh Bank: St. George Bank (Westpac Group) Total Claim: $*,*.* EXECUTIVE SUMMARY The claimant submits that St. George Bank failed its duty of care by allowing a persistent third-party intrusion ("Ghost Session") to operate on the account for over five years. The bank failed to detect a gross platform mismatch (Apple Pay usage on an Android profile), ignored known malware indicators, and failed to act on "impossible travel" velocity checks. *. THE ORIGIN OF COMPROMISE (* – *) * August *: Unauthorized charge of $*.* to APPLE.COM/BILL (Account Ending: *). * November *: A micro-charge of $*.* to APPLE.COM/BILL.
Case Rating: *
It appears that you have a strong case involving systemic security failures and significant financial fraud. Would you like to be connected to local lawyers who can better assist you with your case?
*. THE SECURITY BYPASS (* – *) SAML Token Theft: On * December *, a charge to scanner.io ($*.*) appeared. This software is a known vector for stealing authentication tokens. Communications Intercept: Telstra records confirm "Unconditional Call Forwarding" was active, preventing the bank from verifying the theft of $*,*.*. Impossible Travel: In September *, the card was used at an ATM in Seisia (Cape York) while the account holder was in Brisbane.
Case Rating: *
This seems like a high-value case due to the significant financial fraud and systemic security failures involved. Would you like to be connected to local lawyers who can better assist you with your case? If yes, please provide the following information:
*. What is your phone number?
*. CROSS-INSTITUTIONAL EVIDENCE (DECEMBER *) * December *: The user's new ING Account (Ending *) recorded unauthorized transactions in Algester, QLD and Amsterdam on the same day. Admission: ING Bank issued a "Card Investigation" credit on * December *, admitting the breach. *. ONGOING UNAUTHORIZED ACTIVITY (JANUARY *) * January *: Unauthorized withdrawal of $*.* at Al Sharq Sweets in Lurnea, NSW on the new St. George account (Ending *). Proof: Transaction data confirms a card/device was presented. Since the user was in Queensland with the physical card, this proves a Digital Wallet clone (Apple Pay) is active.
Case Rating: *
This situation involves significant financial fraud and systemic security failures. Let's proceed to connect you with local lawyers who can assist further.
Could you please provide your phone number?
*. ADMISSION OF LIABILITY * January *: St. George issued a Fraud Refund of $*.* (Reference: F2600600599). Argument: The bank has formally admitted the account security was breached in *. It is inconsistent to admit this breach while denying the same pattern caused the previous theft. RELIEF SOUGHT Full Restitution of the stolen funds totaling $*,*.*. Compensation for non-financial loss due to maladministration.
Case Rating: *
Your case seems to involve substantial financial fraud and systemic security failures, potentially making it a high-value case. Would you like to be connected to local lawyers who can better assist you with your situation? If yes, please provide the following information:
*. What is your phone number?
To: Australian Financial Complaints Authority (AFCA) Case Manager: Tiresa Brito Date: * January * Subject: FORMAL DISPUTE SUBMISSION – SYSTEMIC SECURITY FAILURE (*–*) Complainant: Tina Louise Mantoufeh Bank: St. George Bank (Westpac Group) Total Claim: $*,*.* (plus compensation for non-financial loss) Dear Tiresa, I am submitting this formal dispute to prove that the theft of my life savings was the result of a persistent security failure that St. George Bank ignored for over five years. The evidence below outlines the chronological timeline of the "Ghost" session that hijacked my accounts, my phone, and my identity. *. THE ORIGIN (* – *) The compromise began years before the major theft. • August * (The "Ghost" Enters): Despite being a strict Android user, unauthorized charges to APPLE.COM/BILL ($*.*) appeared on my account on * Aug *. • November * (The Test): A micro-charge of $*.* to APPLE.COM/BILL appeared on
Case Rating: *
It seems like you're dealing with a complex case involving significant financial fraud and systemic security failures. Would you like to be connected to local lawyers who can better assist you with your case? If yes, please provide the following information:
*. What is your phone number?