My girlfriends mother keeps telling us how vulnerable iPhones are as a friend of hers had hers stolen and bank accounts emptied or substantial amounts withdrawn despite the friend using a password keeper app. I have done a bit of research but haven't found any way that someone would be able to access an iPhone that is passcode and/or fingerprint protected along with a password keeper app that is passcode and/or fingerprint protected.
Does anybody have any idea how someone would access an iPhone without having the passcode or fingerprint?
So my iPhone XS Max was stolen from me in a mugging recently, and I can tell you exactly how these guys managed to get into peoples accounts.
After my iPhone was stolen I did the usual stuff of logging into iCloud and putting it in Lost Mode and then sending an erase request, from there I removed the iPhone from my iCloud account immediately and then also calling Vodacom to Blacklist the phone and block the sim along with doing a SIM Swap at a Vodashop. I also removed it from my banking apps and Google account.
BUT, the criminals usually take your phone to syndicates who seem to specialize in Phishing scams. What happens is that the syndicate will try extract as much information as they can from your iPhone, they will get your number and your emergency contacts numbers, they will then begin sending Phishing SMS/Texts to those numbers, this is where people then make a mistake.
I was lucky enough to know all about this before my iPhone was stolen so I told everyone in my contacts to ignore any texts that claim that my iPhone has been located. The problem is that most people don’t know about this and so they fall for the text, the text has a link that claims to be an iCloud or AppleID website, many victims click the link and enter in their Apple ID and Password not knowing that they are on a fake webpage, from here the criminals pretty much get ALL that they need to login to your account and can then run rampant with your card details etc...
Here are the texts I was getting from the syndicate, they are very persistent, and they know that many of us will get a SIM Swap so you get texts like this for quite a while, it’s them trying to get you to give up your login details:
When your iPhone is lost my suggestion is that you do all the procedures of locking it out of all your accounts, iCloud, Banking, Google etc.... and accept that it is gone, these syndicates rely on people’s desperation to get their phone back because they know how much sentimental value sits in your phone from pictures, videos to texts etc.... They use this to Phish your details.