Problem is (see #1 above) anyone can just call customer support and have the phone number on your account changed, thus bypassing any 2FA security you have on your account.
#Wells fargo online app code#
Instead Wells Fargo online banking supports 2FA (two factor authentication) where they send a code to your cell phone number. Wells Fargo does not support Multi-Factor Authentication via apps like Google Authenticator or Authy or something like that. The person(s) knew what they were doing because the total is under $10,000 and they knew for under $10,000 no one would do anything (see below).ģ- Now let's talk about Wells Fargo's COMPLETE LACK OF SECURITY. I wrote those checks, please pay them." So the teller writes on the checks, "OK'ed by issuer" (or something like that), and hands over the cash from my account. They had changed the phone number on my account, so the teller calls the fake number and the person answers saying, "Yes, I'm Brad Allison. The teller took the checks and "called the issuer" to verify I wrote these checks. One for $4900 and the other was for $4920. This was the point at which all security broke down.Ģ- Later that day, at two separate locations, someone went into a Wells Fargo bank with manufactured fake checks. He simply told the worker that, "I lost my phone and got a new one." Which right there should have been suspect enough, because when you get a new phone, YOU TYPICALLY KEEP YOUR OLD PHONE NUMBER. Rather the criminals used "social engineering" against Wells Fargo employees to rob my account.ġ- At 12:57 PM a bad actor called up Wells Fargo Customer Service, and successfully had the phone number on my account changed. So, last week my Wells Fargo checking account got robbed for nearly $10,000 because Wells Fargo has ZERO SECURITY.
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