Online ***** case and Standard bank don't want to pay back full amount of my money

Good day, I've been involved in online ***** with my bank Standard bank and they don't want to pay back money that I've earned that was withdrawn from my account without my authorization or knowledge and I would like other standard bank clients to know about this matter. I lost R10 000, 00 that was for my 2 children for Christmas and January school stationary and school fees, groceries, rent money and the bank is refusing to pay back my money and that I know for a fact that they have insurance for this type of ***** cases. I am there client and they are refusing to help a client that is a single working parent and not pay my money back to me as this is a bridge and error on there part. I will attach a email received from the bank below. Please can you assist me in getting back my money from Standard Bank this has effected my livelihood as a single parent and father that has to provide for his children and all the bank is say that I can't get my money back I have worked really hard for I couldn't even buy my children gifts and something nice for Christmas I had to rely on family to assist me.

Good Afternoon Mr. T Young

I trust you are well

Please note we have finalized the investigation of your ***** case.

Thank you for allowing us an opportunity to investigate the above matter which was reported to the Bank following alleged unauthorized transactions performed on 22 December 2021

***** amount-R13 608.00

Recovery- R1 500.00

customer loss- R12 108.00

Customer will only be refunded the recovered amount.

Your ***** claim has been declined. Our investigation did not reveal any bank fault, error or liability which led to the *****.

Standard Bank’s ***** Department has concluded the investigation and could not find any wrongdoing on the Bank’s part.

Please note that Standard Bank does not store or keep any of your digital banking credentials. Our clients are the only ones who have access to and know their client-selected PINs (CSPs) and passwords.

In order for the alleged *********(s) to gain access to your digital banking profile, your online credentials must have been compromised through phishing or some other method.

We regret to inform you that, in view of the above, we will not be able to reimburse you

A formal outcome letter can be prepared for you to enable you to take the matter further for a review by our complaints resolutions center

Thanking you,

Helpful tips to avoid becoming a victim of *****

Check your account

· Check your account on a regular basis and query transactions that you dispute with your bank immediately. · Subscribe to your Bank's SMS notification services, which will let you know of any transactional activity on your account. Pay careful attention when making payments

· If any of your service providers has sent you an invoice that shows there has been a change in banking details, call their number from the telephone directory. Do not call the number on the letterhead or email as you will most likely be calling the ********* to confirm account details before making the payment. · Beware of suspicious auctioneers advertising bargains for vehicles/goods. · Do not process any payments immediately for online adverti*****ts if you have not seen and acknowledged receipt of these goods. · Beware of emails pretending to confirm something from almost identical email addresses, such as .com instead of co.za, or addresses that differ from the genuine one by perhaps one letter that can be easily missed. When purchasing online, make sure the website is secure and legitimate. · When shopping online with your card, only place orders on a secure website and only deal with reputable companies. You can confirm this by checking the URL, which should be https://www.websitename.com (note the “s” after http, which stands for secure). · Never access Internet Banking through a link in an email. For example, always access Standard Bank Internet Banking by typing the correct URL (https://www.standardbank.co.za) into your browser. · Never let the card go out of your sight when making payments. Make sure that you get your own card back after every purchase. Treat your cards as if they are cash.

· When making a payment at a merchant, always check the transaction amount before paying and then check the transaction slip for correct purchase amounts. · Pay careful attention when transacting on an ATM – do not accept help from strangers. · While transacting, always keep an eye on the ATM card slot to make sure it is not damaged or tampered with and that your card is not taken out or replaced without your knowledge. · Should your card be retained by an ATM, do not leave the ATM. Contact your bank and block your card before you leave the ATM site. You can also block your card at a Standard Bank ATM or on your Mobile Banking App immediately. Protect your information

· Never give your secret card information, including one-time PINs (OTPs), to anyone calling you over the phone. A bank representative will never ask you for an OTP by telephone. · Do not click on suspicious links or open any attachments from unknown people or companies. · Do not access your digital banking from any public access points such as Internet cafés, as these computers may have malicious (harmful) software that can capture your information. · If you receive an email supposedly from us, with a link that directs you to an Internet banking login page, this is a ********** or **** website, no matter how authentic or real the email seems. Do not respond to these emails, as we will never ask you to access your Internet banking profile by clicking on a link in an email. · Report your lost or ****** cards/phone/device immediately to your bank. Immediately stop all your cards and advise the bank that your phone/device has been ******. · Do not share your card PIN or card details with any third party, including family, by SMS, telephone or email or through social media platforms. · If you have a debit, cheque and credit card, do not choose the same PIN for all of them, so that if you lose one, the others will still be safe. Never write down your PIN or tell anyone what it is. · Do not send emails that quote your full card number, expiry date and CVV (card verification value – the three numbers on the back of your card). Regards,

Ashley Ritsuri