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TechnoMonk

macrumors 68030
Oct 15, 2022
2,606
4,117
My banks are not consistent on how they handle this, including banks where I have loans but no other accounts. And it also seems things are different in UK from US.
I would be calling the banks and complain. There is nothing Apple or any other device maker can do if they let you reset with an email/text. Even more reason to guard your pin or use an email/not on your phone.
 

danclara

macrumors member
Original poster
May 1, 2023
44
94
I am doubting a lot of this. Both my Barclays and NatWest bank accounts use FaceID. If FaceID fails or is disabled then a dedicated app passcode is required. This passcode is user set on both banks. My Barclays, NatWest and iPhone pin are all different.

Surely someone so adept at online security you won't have the same pin surely?

The money was mainly spent using online Apple Pay. They bought e-gift cards. I got quite a lot stopped and informed the police of the names and ‘delivery’ addresses they used.

I feel like the police could easily find them, but in the UK they won’t prioritise this at all.
 

Ethosik

Contributor
Oct 21, 2009
8,142
7,120
I don't carry a debit card, but if I did, I would not keep more than $200 or so in that account.
But same argument applies to my phone. I have my Outlook gated by requiring its own pin. I have Brave browser which requires its own pin. Everything except messages, phone, contacts are behind their own pins. So you can’t do a password reset with my bank which emails me because you can’t open Outlook. My bank does more than that though.
 

monstermash

macrumors 6502a
Apr 21, 2020
974
1,059
But same argument applies to my phone. I have my Outlook gated by requiring its own pin. I have Brave browser which requires its own pin. Everything except messages, phone, contacts are behind their own pins. So you can’t do a password reset with my bank which emails me because you can’t open Outlook. My bank does more than that though.

You can accomplish similar by not configuring your phone with the email address you use for financial accounts too.

I use a different email address for accounts than I do for other stuff. I don't need to get email for that stuff on my phone, but if I did want to access that email, i can do so with a web browser.
 

danclara

macrumors member
Original poster
May 1, 2023
44
94
Can they? Are Apple Store employees trained to authenticate documents? What if some one shows up with a fake ID. It opens up a Pandora’s box with conmen impersonating some one. Identity theft/Fake IDs is big in todays world.

I feel like the ‘automated’ system should realise that there will never EVER be a genuine Apple user who:

-Disables find my phone
-Changes iCloud password
-Disables family sharing
-Removes passcode

All within 2 minutes.

Then there is a web based iCloud login attempt a few minutes after that fails.


In what scenario could this happen?

Unless a thief has the device and passcode?
 
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Ethosik

Contributor
Oct 21, 2009
8,142
7,120
You can accomplish similar by not configuring your phone with the email address you use for financial accounts too.

I use a different email address for accounts than I do for other stuff. I don't need to get email for that stuff on my phone, but if I did want to access that email, i can do so with a web browser.
Yep. Just like the “keep $200 accessible from debit card” example. What bank supports this anyway? I have to provide my unique security key, username, part of my debit card number, and my SSN to reset my password.
 

TechnoMonk

macrumors 68030
Oct 15, 2022
2,606
4,117
I feel like the ‘automated’ system should realise that there will never EVER be a genuine Apple user who:

-Disables find my phone
-Changes iCloud password
-Disables family sharing
-Removes passcode

All within 2 minutes.

Then there is a web based iCloud login attempt a few minutes after that fails.


In what scenario could this happen?

Unless a thief has the device and passcode?
Submit a feature request, If this happened to me, I would have personally sent a nice email to Tim Cook, highlighting the problem of losing ICloud accounts after a theft.
 

Fred Zed

macrumors 603
Aug 15, 2019
5,825
6,519
Upstate NY . Was FL.
Just spoke to MET police on this.

They had 4 similar reports at this venue since last Tuesday. They now suspect that one or more card machines are set up in such a way as to make face ID fail.

There could be covert cameras set up to obtain the passcode.

They have applied for a warrant on this address.

So perhaps, all the know-it-all smart Alecs who could never possibly be compromised are wrong?

Gangs know this exploit and are out to make hay whilst they can.

I made a choice to not carry physical cards with me and to use Apple wallet.

I thought that if my phone and passcode were stolen I would be able to almost instantly disable my phone and entire wallet within moments. I totally secured my iCloud to ensure this.

But the passcode they stole gave them total power, without requiring a single piece of extra authentication.
I knew it was an inside cctv job. As per my previous post.
 

danclara

macrumors member
Original poster
May 1, 2023
44
94
Submit a feature request, If this happened to me, I would have personally sent a nice email to Tim Cook, highlighting the problem of losing ICloud accounts after a theft.
I have been sent a link by Apple support to report a security vulnerability. I will do this in the coming days.

Link is here:



Still saddened by the people saying I’m ‘trolling’ over something so serious, but oh well. Always strange people on forums.

Absolutely baffled that some people can’t admit a huge flaw in the fact that the iCloud password can be changed via device pin. Totally defeats the point of find my phone and lost mode IMO.


Harsh lessons learnt for me.

I had 100% assumed that even if my device AND pin were stolen, a thief could be locked out by me remotely via iCloud.

Shame this is not the case.
 

TechnoMonk

macrumors 68030
Oct 15, 2022
2,606
4,117
I have been sent a link by Apple support to report a security vulnerability. I will do this in the coming days.

Link is here:



Still saddened by the people saying I’m ‘trolling’ over something so serious, but oh well. Always strange people on forums.

Absolutely baffled that some people can’t admit a huge flaw in the fact that the iCloud password can be changed via device pin. Totally defeats the point of find my phone and lost mode IMO.


Harsh lessons learnt for me.

I had 100% assumed that even if my device AND pin were stolen, a thief could be locked out by me remotely via iCloud.

Shame this is not the case.
Send an email to Tim Cook. Stick to the facts with out opinions. He will most likely forward it to some one to look at options. I think people disagree on assumption that fixing iCloud loophole will prevent other things. The crooks still have your pin and phone, by the time its marked stolen, they could easily make purchases and put your phone in Airplane mode, as they comb through emails and pictures.

Chalk it up as lesson learned and be aware of your pin outside. I never use pin these days between Face ID and AW. I use AW at restaurants and bars with card readers across the counter. In any case you should not lose money, with cards/banks writing off fraud charges. I hope your issues with iCloud accounts gets resolved.
 
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onenorth

macrumors 6502a
Sep 15, 2021
622
841
I would be calling the banks and complain. There is nothing Apple or any other device maker can do if they let you reset with an email/text. Even more reason to guard your pin or use an email/not on your phone.
The banks are not moving fast enough on this IMHO. I don't know why but it's frustrating. I can complain all I want but in the meantime the safest solution, short of not using a smart phone at all, is to not use the phone for anything other than making telephone calls and checking the weather. Delete all the financial apps, no email, no photos, etc., etc. Which kind of defeats the reason for having a smart phone. Next safest thing is to try and remember not to ever enter my passcode in public. Easier said than done.
 
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MallardDuck

macrumors 68000
Jul 21, 2014
1,677
3,222
I have been sent a link by Apple support to report a security vulnerability. I will do this in the coming days.

Link is here:



Still saddened by the people saying I’m ‘trolling’ over something so serious, but oh well. Always strange people on forums.

Absolutely baffled that some people can’t admit a huge flaw in the fact that the iCloud password can be changed via device pin. Totally defeats the point of find my phone and lost mode IMO.


Harsh lessons learnt for me.

I had 100% assumed that even if my device AND pin were stolen, a thief could be locked out by me remotely via iCloud.

Shame this is not the case.

and ironically, it's the opposite - that the thief can lock YOU out of icloud with just the PIN.
 

Wando64

macrumors 68020
Jul 11, 2013
2,338
3,109
Right, but with passcode and device wide open. The crooks just need few minutes to reset bank accounts…

If someone can ’reset’ your bank accounts with your phone and its passcode, you are doing something terribly wrong.

My banking apps are protected by their own dedicated passcode.
My banks never authorise a payment to a new recipient without additional security, usually in the form of typing the details of my debit card, or yet another dedicated password or passcode (not the same used to open the app).
None of my banking passwords are stored in my keychain or anywhere else on iCloud.
 

PlainBelliedSneetch

macrumors regular
Oct 4, 2017
221
220
You can reset the Apple ID password with device passcode.
Does anyone know which passcode is used when there are multiple Apple devices using the same Apple ID? I was wondering if I could somehow repurpose a spare iPhone with a different passcode to be the passcode required to change the Apple ID.
 
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TechnoMonk

macrumors 68030
Oct 15, 2022
2,606
4,117
If someone can ’reset’ your bank accounts with your phone and its passcode, you are doing something terribly wrong.

My banking apps are protected by their own dedicated passcode.
My banks never authorise a payment to a new recipient without additional security, usually in the form of typing the details of my debit card, or yet another dedicated password or passcode (not the same used to open the app).
None of my banking passwords are stored in my keychain or anywhere else on iCloud.
The banks are not moving fast enough on this IMHO. I don't know why but it's frustrating. I can complain all I want but in the meantime the safest solution, short of not using a smart phone at all, is to not use the phone for anything other than making telephone calls and checking the weather. Delete all the financial apps, no email, no photos, etc., etc. Which kind of defeats the reason for having a smart phone. Next safest thing is to try and remember not to ever enter my passcode in public. Easier said than done.
None of my bank accounts, but there are some banks who are stuck in the past.
 

TechnoMonk

macrumors 68030
Oct 15, 2022
2,606
4,117
Does anyone know which passcode is used when there are multiple Apple devices using the same Apple ID? I was wondering if I could somehow repurpose a spare iPhone with a different passcode to be the passcode required to change the Apple ID.
It’s on each device, if they can unlock the device With the passcode, they can reset the password on that device.
 

Wando64

macrumors 68020
Jul 11, 2013
2,338
3,109
Does anyone know which passcode is used when there are multiple Apple devices using the same Apple ID? I was wondering if I could somehow repurpose a spare iPhone with a different passcode to be the passcode required to change the Apple ID.

Each device’s passcode will allow the user to change the Apple ID password using that device.
 

PlainBelliedSneetch

macrumors regular
Oct 4, 2017
221
220
Each device’s passcode will allow the user to change the Apple ID password using that device.
Thanks. I remember being prompted for the passcode to my iPad from a different Apple device for something. I can’t remember what it was though. Was just hoping that it was when changing the Apple ID password.
 
Last edited:

Wando64

macrumors 68020
Jul 11, 2013
2,338
3,109
Thanks. I remember being prompted for the passcode to my iPad from a different Apple device for something. I can’t remember what it was though. Was just hoping that it was when changing the Apple ID.
To be clear, I am talking about changing the Apple ID‘s Password, not the Apple ID itself.
I also remember a situation where I was asked for the password for another device, but I can’t remember what it was for.
 

HarryMudd

macrumors member
Oct 7, 2021
61
85
Even scarier is the fact that a criminal can simply delete our FaceID, and then every lock we previously had with FaceID can now be opened with the passcode. 😬

Furthermore, I just tested out the scenario of having to frantically log in to iCloud.com to put my iPhone in lost mode, and guess what that does? It sends a request to my iPhone (which the criminal has) asking to Allow or Deny the login. Once the criminal hits Deny, Apple conveniently asks them if they want to change the AppleID password, and takes them directly to that page:

View attachment 2197452

No need to even put in the old password. Jesus Christ, Apple.
Wow! DANG! That makes it even worse that I thought. Unbelievable.
 
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monstermash

macrumors 6502a
Apr 21, 2020
974
1,059
Does anyone know which passcode is used when there are multiple Apple devices using the same Apple ID? I was wondering if I could somehow repurpose a spare iPhone with a different passcode to be the passcode required to change the Apple ID.

Settings
ICloud
Password and Security

Turn two factor authentication on.

Then edit the trusted phone numbers so that the device you want to protect is not listed among them.
 

HarryMudd

macrumors member
Oct 7, 2021
61
85
Even scarier is the fact that a criminal can simply delete our FaceID, and then every lock we previously had with FaceID can now be opened with the passcode. 😬

Furthermore, I just tested out the scenario of having to frantically log in to iCloud.com to put my iPhone in lost mode, and guess what that does? It sends a request to my iPhone (which the criminal has) asking to Allow or Deny the login. Once the criminal hits Deny, Apple conveniently asks them if they want to change the AppleID password, and takes them directly to that page:

View attachment 2197452

No need to even put in the old password. Jesus Christ, Apple.
Okay what I did was follow your instructions here and everything you say is true, but what I also discovered was that at the same time your stolen phone gets the ALLOW/DENY message I was able to select “did not get a code” on my wife’s phone. I was then able to use the passcode from my phone (stolen) and her phone, to gain access to my Apple ID where I could change the password. The big sticking point would be that I would have to be QUICK! I’d have to get that all done before the thief notices the alert and hits deny.
 

HarryMudd

macrumors member
Oct 7, 2021
61
85
Settings
ICloud
Password and Security

Turn two factor authentication on.

Then edit the trusted phone numbers so that the device you want to protect is not listed among them.
AWESOME! thank you! Having said that, are there other unintended consequences of this?
 

danclara

macrumors member
Original poster
May 1, 2023
44
94
Okay what I did was follow your instructions here and everything you say is true, but what I also discovered was that at the same time your stolen phone gets the ALLOW/DENY message I was able to select “did not get a code” on my wife’s phone. I was then able to use the passcode from my phone (stolen) and her phone, to gain access to my Apple ID where I could change the password. The big sticking point would be that I would have to be QUICK! I’d have to get that all done before the thief notices the alert and hits deny.

Yes I think this is exactly why I have no way of getting back into my account.

Recovery process can also be denied by anyone using my account on a device.

But no, this isn’t a security flaw. Not according to some. Haha.
 
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