{"id":13495,"date":"2025-12-25T07:47:03","date_gmt":"2025-12-25T07:47:03","guid":{"rendered":"https:\/\/zeri-online.com\/?p=13495"},"modified":"2025-12-25T07:47:05","modified_gmt":"2025-12-25T07:47:05","slug":"ne-pak-minuta-ne-telefon-me-vodhen-28-mije-euro-para-qe-nuk-i-kisha-nga-llogaria-bankare","status":"publish","type":"post","link":"https:\/\/zeri-online.com\/index.php\/2025\/12\/25\/ne-pak-minuta-ne-telefon-me-vodhen-28-mije-euro-para-qe-nuk-i-kisha-nga-llogaria-bankare\/","title":{"rendered":"&#8220;N\u00eb pak minuta n\u00eb telefon, m\u00eb vodh\u00ebn 28 mij\u00eb euro (para q\u00eb nuk i kisha) nga llogaria bankare&#8221;"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Bianca M. merr nj\u00eb telefonat\u00eb nga nj\u00eb haker q\u00eb hiqet si banka e saj, ajo p\u00ebrgjigjet, ai i sinjalizon nj\u00eb tentativ\u00eb mashtrimi. Din\u00adte gjith\u00e7ka p\u00ebr t\u00eb, i merr nga distanca kontrollin e telefonit dhe kryen 10 transaksione.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ajo q\u00eb do t\u2019ju tregojm\u00eb mund t\u2019i ndodh\u00eb kujtdo, ndaj po e b\u00ebjm\u00eb me shum\u00eb detaje. Q\u00eb kush na lexon t\u00eb nxjerr\u00eb nj\u00eb m\u00ebsim: t\u00eb shmang\u00eb p\u00ebrgjigjen n\u00eb telefon edhe kur numri fiks q\u00eb po telefonon duket se \u00ebsht\u00eb ai i bank\u00ebs son\u00eb, konkretisht Unicredit. Sepse p\u00ebr pak minuta mund t\u00eb mashtrohesh: hakeri n\u00eb an\u00ebn tjet\u00ebr t\u00eb linj\u00ebs merr nga distanca kontrollin e smartfonit dhe, me dy kode, \u00ebsht\u00eb n\u00eb gjendje t\u00eb devijoj\u00eb telefonin, t\u00eb hyj\u00eb n\u00eb llogarin\u00eb bankare p\u00ebrmes aplikacionit t\u00eb mobile banking dhe, po p\u00ebrmes aplikacionit, t\u00eb rris\u00eb gjasht\u00ebfish limitet mujore t\u00eb kartave t\u00eb kreditit, duke kryer dhjet\u00ebra transaksione pa dijenin\u00eb ton\u00eb drejt nj\u00eb llogarie Revolut, si dhe t\u00eb \u00e7investoj\u00eb nj\u00eb fond investimi \u2013 gjith\u00e7ka pa pasur asnj\u00eb dijeni. E jo vet\u00ebm kaq: arrin madje t\u00eb mashtroj\u00eb n\u00eb koh\u00eb reale edhe nj\u00eb kompani, duke devijuar pages\u00ebn e nj\u00eb fature n\u00eb llogarin\u00eb ton\u00eb, me rrezikun q\u00eb t\u00eb p\u00ebrfundosh n\u00ebn hetim nga autoriteti gjyq\u00ebsor p\u00ebr nj\u00eb tentativ\u00eb t\u00eb supozuar mashtrimi. Nj\u00eb formulim q\u00eb, fatmir\u00ebsisht, u shmang n\u00eb k\u00ebt\u00eb rast pas kall\u00ebzimit t\u00eb menj\u00ebhersh\u00ebm n\u00eb polici, por mund t\u00eb imagjinohet paniku i atij q\u00eb p\u00ebrfshihet n\u00eb nj\u00eb situat\u00eb t\u00eb till\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Historia<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mir\u00eb se vini n\u00eb shoq\u00ebrin\u00eb digjitale q\u00eb kemi nd\u00ebrtuar. Me kapacitetet teknologjike q\u00eb disponojn\u00eb mendje jasht\u00ebzakonisht t\u00eb sofistikuara, mund t\u00eb grabitesh p\u00ebr pak minuta 28.010 euro pa e kuptuar fare. K\u00ebshtu rr\u00ebfen Bianca M., profesioniste e komunikimit prej vitesh n\u00eb Milano, e cila m\u00eb 27 n\u00ebntor merr nj\u00eb telefonat\u00eb t\u00eb pazakont\u00eb n\u00eb numrin e saj privat n\u00eb or\u00ebn 15:15. Kronologjia \u00ebsht\u00eb e shpejt\u00eb dhe \u00ebsht\u00eb e nj\u00ebjta q\u00eb, pak dit\u00eb m\u00eb von\u00eb, ajo e paraqiti n\u00eb komisariat, duke denoncuar nj\u00eb mashtrim jasht\u00ebzakonisht t\u00eb sofistikuar p\u00ebr m\u00ebnyr\u00ebn se si u realizua.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Telefonata<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cM\u00eb telefonojn\u00eb nga nj\u00eb num\u00ebr fiks i Milanos, prefiksi 02, q\u00eb duket i lidhur me bank\u00ebn time, Unicredit, dhe un\u00eb p\u00ebrgjigjem \u2013 shpjegon Bianca M. \u2013 N\u00eb an\u00ebn tjet\u00ebr nj\u00eb z\u00eb jo i automatizuar, krejt\u00ebsisht natyral, q\u00eb prezantohet si punonj\u00ebs p\u00ebrgjegj\u00ebs i sektorit anti-mashtrim t\u00eb Unicredit. M\u00eb sinjalizon n\u00eb koh\u00eb reale se rezultojn\u00eb tre pagesa n\u00eb ngarkes\u00ebn time n\u00eb platform\u00ebn eBay nga Taranto, nj\u00eb vend ku nuk kam qen\u00eb kurr\u00eb. Pagesa prej 980, 970 dhe 860 euro.\u201d Pik\u00ebrisht n\u00eb at\u00eb moment i mb\u00ebrrijn\u00eb SMS-t\u00eb q\u00eb sinjalizojn\u00eb k\u00ebto transaksione.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"593\" height=\"443\" data-id=\"13496\" src=\"https:\/\/zeri-online.com\/wp-content\/uploads\/2025\/12\/1000046092.jpg\" alt=\"\" class=\"wp-image-13496\" srcset=\"https:\/\/zeri-online.com\/wp-content\/uploads\/2025\/12\/1000046092.jpg 593w, https:\/\/zeri-online.com\/wp-content\/uploads\/2025\/12\/1000046092-300x224.jpg 300w, https:\/\/zeri-online.com\/wp-content\/uploads\/2025\/12\/1000046092-150x112.jpg 150w\" sizes=\"auto, (max-width: 593px) 100vw, 593px\" \/><\/figure>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bllokimi i supozuar i kart\u00ebs<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cLexoj se gjoja kam autorizuar k\u00ebto tre operacione online me kart\u00ebn time; shfaqen edhe 6 shifrat e para t\u00eb kart\u00ebs. \u2018N\u00ebse nuk keni qen\u00eb ju\u2019, m\u00eb thot\u00eb z\u00ebri n\u00eb telefon, \u2018duhet t\u00eb procedojm\u00eb me bllokimin e menj\u00ebhersh\u00ebm t\u00eb kart\u00ebs, duke ju d\u00ebrguar nj\u00eb t\u00eb re n\u00eb adres\u00ebn tuaj t\u00eb banimit\u2019. Z\u00ebri me t\u00eb cilin po flisja e dinte madje adres\u00ebn time t\u00eb banimit dhe njihte edhe pyetjen sekrete p\u00ebr bllokimin e kart\u00ebs. Prandaj u besova \u2013 tregon Bianca M. \u2013 Procedojm\u00eb me bllokimin; nd\u00ebrkoh\u00eb z\u00ebri n\u00eb telefon, gjoja nga Unicredit, m\u00eb thot\u00eb se po p\u00ebrpiqet t\u00eb kthej\u00eb mbrapsht tre shumat.\u201d N\u00eb koh\u00eb reale i mb\u00ebrrin nj\u00eb SMS nga i ashtuquajturi Zyra AntiMashtrim e Unicredit me njoftimin \u201ck\u00ebrkesa p\u00ebr storno n\u00eb proces\u201d. Stornot realizohen, sepse pak m\u00eb von\u00eb mb\u00ebrrijn\u00eb edhe dy mesazhe t\u00eb tjera, por duhen 24 or\u00eb p\u00ebr p\u00ebrdit\u00ebsimin e sistemit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mashtrimi<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cDuhet t\u00eb certifikojm\u00eb pajisjen tuaj q\u00eb t\u00eb jet\u00eb e vetmja q\u00eb hyn n\u00eb aplikacionin Unicredit t\u00eb home banking \u2013 i shpjegon z\u00ebri n\u00eb telefon. \u2013 Do t\u2019ju d\u00ebrgojm\u00eb disa kode q\u00eb duhet t\u2019i lexoni.\u201d Pak m\u00eb pas i mb\u00ebrrin nj\u00eb mesazh me tekstin \u201cnisja e certifikimit t\u00eb pajisjes\u201d dhe dy SMS t\u00eb tjera me kode, ku d\u00ebrguesi rezulton Unicredit. \u201cMesazhet shfaqen n\u00eb historikun e mesazheve q\u00eb kam marr\u00eb nd\u00ebr vite nga banka\u201d, shpjegon Bianca M. \u201cUa lexoj kodet; k\u00ebshtu \u2013 e kam kuptuar m\u00eb pas \u2013 ata jan\u00eb n\u00eb gjendje t\u00eb hyjn\u00eb n\u00eb telefon ose n\u00eb aplikacionin e home banking. Z\u00ebri n\u00eb telefon m\u00eb thot\u00eb t\u00eb fshij aplikacionin dhe ta riinstalojm\u00eb t\u00eb h\u00ebn\u00ebn\u201d, i shpjegon; ajo nuk e di se po mashtrohet. I thon\u00eb se nuk mund t\u00eb p\u00ebrdor\u00eb llogarin\u00eb gjat\u00eb fundjav\u00ebs dhe se ka n\u00eb dispozicion vet\u00ebm 150 euro p\u00ebr shpenzime. Telefonata mbyllet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fundjava<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cGjat\u00eb fundjav\u00ebs praktikisht nuk kryej asnj\u00eb operacion deri t\u00eb h\u00ebn\u00ebn n\u00eb m\u00ebngjes\u201d, thot\u00eb Bianca M. N\u00eb ato dit\u00eb njer\u00ebzit p\u00ebrpiqen ta telefonojn\u00eb, por nuk arrijn\u00eb t\u00eb flasin me t\u00eb. Pa dijenin\u00eb e saj, i kishin vendosur devijimin e thirrjeve drejt numrit t\u00eb tyre. Numri i saj ishte faktikisht i devijuar. Kur t\u00eb h\u00ebn\u00ebn, m\u00eb 1 dhjetor, Bianca M. p\u00ebrpiqet t\u00eb paguaj\u00eb cigaret, transaksioni refuzohet sepse \u00ebsht\u00eb tejkaluar limiti. K\u00ebshtu zbulon mashtrimin. Numri falas i Unicredit, t\u00eb cilin e kontakton nga telefoni i saj i pun\u00ebs, i thot\u00eb se ka shpenzuar 28.010 euro p\u00ebr dy dit\u00eb. Para q\u00eb n\u00eb llogari nuk i ka pasur kurr\u00eb, pasi gjendja e saj ishte vet\u00ebm 2.600 euro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Operacionet<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I kan\u00eb kryer shum\u00eb operacione: 4 me kart\u00eb debiti (bancomat), p\u00ebr nj\u00eb total prej 9.660 eurosh, transfert\u00eb pas transferte brenda pak minutash, gjat\u00eb dy dit\u00ebve nga 27 n\u00ebntori \u2013 pik\u00ebrisht dit\u00ebn kur kishte marr\u00eb pag\u00ebn \u2013 deri m\u00eb 1 dhjetor. Transferta drejt nj\u00eb karte Revolut t\u00eb regjistruar n\u00eb Dublin. Edhe 6 operacione t\u00eb tjera, n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb, n\u00eb favor t\u00eb t\u00eb nj\u00ebjt\u00ebs llogari Revolut, t\u00eb kryera me kart\u00eb krediti, p\u00ebr nj\u00eb total prej 18.350 eurosh. K\u00ebto u b\u00ebn\u00eb duke ndryshuar tavanin mujor t\u00eb kart\u00ebs nga 1.500 n\u00eb 9.500 euro n\u00eb muaj; k\u00ebshtu p\u00ebrdor\u00ebn si limitin e n\u00ebntorit ashtu edhe at\u00eb t\u00eb dhjetorit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Denoncimi n\u00eb polici<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cK\u00ebrkesat jan\u00eb b\u00ebr\u00eb p\u00ebrmes aplikacionit dhe jan\u00eb pranuar nga banka po at\u00eb dit\u00eb. Si operacion i fundit, gjithmon\u00eb m\u00eb 1 dhjetor, m\u00eb kan\u00eb \u00e7investuar edhe nj\u00eb fond prej 694 eurosh. Shkoj menj\u00ebher\u00eb t\u00eb b\u00ebj kall\u00ebzim n\u00eb polici dhe drejtoresha e bank\u00ebs ma atribuon mua p\u00ebrgjegj\u00ebsin\u00eb p\u00ebr at\u00eb q\u00eb ka ndodhur.\u201d B\u00ebhet fjal\u00eb p\u00ebr drejtoresh\u00ebn e deg\u00ebs historike ku kishin llogari edhe gjysh\u00ebrit e saj, n\u00eb Umbertide, n\u00eb provinc\u00ebn e Perugias. Bianca M. tregon se zbulon madje se jan\u00eb n\u00eb zhvillim verifikime edhe ndaj saj, \u201csepse n\u00eb llogarin\u00eb time ka kaluar nj\u00eb transfert\u00eb prej 5 mij\u00eb eurosh e kryer nga nj\u00eb tjet\u00ebr kompani e mashtruar\u201d \u2013 rr\u00ebfen ajo \u2013 nj\u00eb shoq\u00ebri me p\u00ebrgjegj\u00ebsi t\u00eb kufizuar n\u00eb provinc\u00ebn e Milanos, e cila ka b\u00ebr\u00eb nj\u00eb transfert\u00eb q\u00eb m\u00eb pas \u00ebsht\u00eb derdhur n\u00eb llogarin\u00eb Revolut n\u00eb Irland\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ankesa<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cNatyrisht kam paraqitur ankes\u00eb n\u00eb bank\u00eb, e cila megjithat\u00eb i konsideron t\u00eb gjitha k\u00ebto operacione si t\u00eb autorizuara nga klienti\u201d, lexon Bianca M. n\u00eb letr\u00ebn e p\u00ebrgjigjes s\u00eb menj\u00ebhershme t\u00eb Unicredit. Justifikimi i tyre \u00ebsht\u00eb se klienti ka pasur \u201cnj\u00eb ruajtje t\u00eb kart\u00ebs jo n\u00eb p\u00ebrputhje me parashikimet e kontrat\u00ebs\u201d; fal\u00eb \u201cteknologjis\u00eb dinamike 3DS, mund t\u00eb konstatojm\u00eb p\u00ebrgjegj\u00ebsin\u00eb e drejtp\u00ebrdrejt\u00eb t\u00eb zonj\u00ebs\u2026\u201d, dhe p\u00ebr rrjedhoj\u00eb banka e p\u00ebrjashton veten nga \u00e7do p\u00ebrgjegj\u00ebsi. Bianca M. tani po ndiqet nga nj\u00eb avokat i studios ligjore Crosta &amp; C., i cili ka k\u00ebrkuar tashm\u00eb adresat IP nga t\u00eb cilat jan\u00eb kryer transaksionet. Por avokati ngre me t\u00eb drejt\u00eb pyetjen: si mundet nj\u00eb bank\u00eb t\u00eb miratoj\u00eb p\u00ebr pak sekonda operacione mbi 28 mij\u00eb euro p\u00ebrmes rritjes s\u00eb limiteve, kur ai klient ka vet\u00ebm 2.600 euro gjendje n\u00eb llogari? Mistere. \/ Corriere della Sera<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bianca M. merr nj\u00eb telefonat\u00eb nga nj\u00eb haker q\u00eb hiqet si banka e saj, ajo p\u00ebrgjigjet, ai i sinjalizon nj\u00eb tentativ\u00eb mashtrimi. Din\u00adte gjith\u00e7ka p\u00ebr t\u00eb, i merr nga distanca kontrollin e telefonit dhe kryen 10 transaksione. Ajo q\u00eb do t\u2019ju tregojm\u00eb mund t\u2019i ndodh\u00eb kujtdo, ndaj po e b\u00ebjm\u00eb me shum\u00eb detaje. Q\u00eb kush [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":13498,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-13495","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktualitet"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&quot;N\u00eb pak minuta n\u00eb telefon, m\u00eb vodh\u00ebn 28 mij\u00eb euro (para q\u00eb nuk i kisha) nga llogaria bankare&quot; - Zeri Online<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/zeri-online.com\/index.php\/2025\/12\/25\/ne-pak-minuta-ne-telefon-me-vodhen-28-mije-euro-para-qe-nuk-i-kisha-nga-llogaria-bankare\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;N\u00eb pak minuta n\u00eb telefon, m\u00eb vodh\u00ebn 28 mij\u00eb euro (para q\u00eb nuk i kisha) nga llogaria bankare&quot; - Zeri Online\" \/>\n<meta property=\"og:description\" content=\"Bianca M. merr nj\u00eb telefonat\u00eb nga nj\u00eb haker q\u00eb hiqet si banka e saj, ajo p\u00ebrgjigjet, ai i sinjalizon nj\u00eb tentativ\u00eb mashtrimi. 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