A friend of mine received some customers in his shop sometimes ago. d customers came 2 buy security doors. after receiving prices, they left. on a Friday evening the customers called my friend & placed orders 4 d quality &.quantities if doors they need. they asked my friend 2 tabulate d total sum including d transport fare that can convey d doors 2 Abuja from Kano. he did & txt d figure 2 them, a million, three hundred &.twenty thousand naira. they demanded that d doors be gathered & sent 2 Abuja on or b4 Sunday & my friend assured them. after a while on d same Friday evening, my friend saw an alert of d said amount, reflecting d previous balance he had in his UBA account. he began 2 arrange d doors negotiated wt a vehicle, when he arranging d doors, his colleagues were envying him, some were begging him 2 include them In d deal, he too was already thinking of how 2 celebrate d favor at d end. he loaded d doors, paid d driver & sent him off 2 Abuja, giving him d phone number of d recipient. on Monday morning, my friend majestically & in a kingly strides, arrived d banking hall 4 a withdrawal. Ladies & Gentlemen, guess what happened? hehehehe..... D matter is still in d court. d question is 'how did the 419ner came 2 know d balance my friend had without an insider in d bank?. how again can someone prepare such SMS alert just d same way d bank does? a lot of questions begging 4 answers.

Leopantro:


1. make a copy of this writeup, as well as a detailed document stating which branches you contacted, who you contacted and their names.
2. Go to the Information and
Clearance services office of
the branch of cbn in your
state and state your
complaint. Be as detailed as
possible.
3. After the visit ask for the
email address of the office
and follow up with emails
explaining your case. Such
emails are sent to the head
office

Gbam. Thats the solution.

You can get sued for this write up dude......

Come on..... I can sense your anger when if nah just 3000 I slapped their security man...but sort it out with them or withdraw it and chill abeg. TSA done mess them up now

mercylicious:
Guy, u just implicated ur friend that works in fbnh. He may lose his job as a result of this.

My advise- go to efcc and petition the two banks.
Fbnh should provide the customer.

Did he divulge any name. ? Even if i say i am the first bank guy, can you verify it ?

I pity anybody banking with UBA. My friend lost his last kobo in that bank till date nothing happened. Very useless bank.

Firefire:



Another similar bank is Ecobank, you keep receiving Debit Alert transaction on a Savings Account.

Exactly, jst received one some few mins ago

desperatem:
I will try to make this story short. I started banking with UBA early last year. Apart from outrageous tranSfer charges, postage stamp charges and very slow service I think its a good bank. I have never had issues of unauthorized withdrawal in my account until August 2015. An unauthorized ATM transfer was carried out in my account on August 8 2015 twice and UBA did not send me any alert for the 2 transactions. The first transaction was NGN 180,000 and the second was NGN 30,000. I got to know about the unauthorized transaction about 1 month few weeks later when I traveled out of Nija. A customer deposited some money in my account, so when I received the alert (My MTN number was Roamed for alert purpose) I knew instantly that about NGN 200,000 plus to NGN 300,00 was missing in my account. I can't wait to get back home to confirm it. Because of this, I came back to Nigeria Ealier than planned (My arrival date was scheduled for 15th November 2015).

When I got back to Nigeria, I visted my branch and I requested for my account statement, I got back home and was going through the account statement that was when I came across the transactions, I reported immediately to my Branch and I was asked to write a letter which I did. My account officer said maybe someone I know used my ATM card to do the ATM transfer but I told her its not someone I know and my ATM was not used for the transaction because I live alone, none of my friends or GF visited me during that period because I was busy planning my traveling and my ATM card is always in my wallet and my wallet is always on me. In the letter I wrote, I requested for the footage of whoever did the transaction and the account information of the beneficiary.

A couple of weeks later, I go a call that they have concluded the investigation. They were able to get the beneficiary account information but they said no footage was sent along. It was a First bank account so they couldn't view the the account holder's information except the name and account number that was sent from First Bank head office. Since UBA got that information, they stopped working on getting to the bottom of the matter. They said they can't work in hand with First Bank to apprehend the suspect. They said they are waiting for the day the suspect will come and do any transaction on his account even if it's 2050.

I got tired of waiting and I visited a friend who is working in First Bank last week, He checked the suspect's acount details for me because I collected the account number from UBA customer care. When my friend checked, he showed me his picture, I swear I have never seen the guy in my life. He went through his transactions as at October, we discovered that the guy withdraw all the money immediately he finished the fraud and he has less than NGN 1,500 in his account. After that revelation, I visited my UBA branch and I narrated everything to then, now they take me serious a bit but they later said "still there is nothing we can do" after then, I withdraw all my money from the account and I deposited it to my other bank account with another bank. I am going there today to withdraw the rest of my money. UBA is not a customer's bank. Its very useless bank and if you keep your life savings with them you might end up having a HIGH BLOOD PRESSURE. I just shared my experience with UBA with my fellow nairalanders so you can all be wary of UBA. If you have an account with them, you better take all your money from there to avoid story that touches.

Your comments/contributions and better and quicker way to go about this is highly welcomed. Thanks for reading. I hope you learn a thing or two? If anyone experienced ATM fraud before please share your experience with us.

SAFE.

This is an unusual feedback from you as I have enjoyed nothing but exceptional service from the bank. I remember a similar issue I had and believe me, it was investigated to a logical conclusion. I advise you to contact your account officer to help you follow-up.

Your experience is quite pathetic but you are coming too hard on the brand!!!! have you explored all means to resolve this amicably without successI have had instances where my persistence yielded positive results with UBA. you shouldn't give up....engage the bank for discussion, if the Branch is not giving you joy, you can go through their head office. Check online for their customer care line and other mediums of interaction....all the best!!!!

Just today one rap of #500 notes they gave me was short of #1500,and because I was in a hurry to have not counted it, they never listened to me. I just took the money and went straighth to another bank to transact business,it was counted there before me,to my alter amazement one rap was short of #1,500. UBA,UBA,UBA. How many times have I called you?

Hi NLs...in as much as i sympathize with the complainant, i will like to state that i really think you did not explore all the options available, as you may have done a counter-report (Rejoinder) after you got new facts from your friend at FBN. if FBN couldnt provide footage when UBA requested, how come your friend was able to show you the mandate of the customer? if they had tried to assist UBA further by supplying substantial information about the fraudster it would have been easier for UBA to pursue the case more logically.

First Bank should be blamed for this failing really as the transfer was from UBA to FBN which means the fraudster is an FBN customer and with all the KYC enforcement, they should have done more to assist UBA in nailing the culprit. Another important point is that UBA ATM was not used for the transaction as can be deduced from your write-up, which means they will have to rely solely on FBN to get any logical information.

I also think UBA's customer service has generally improved and they deserve some credit for the great leap they have made in recent times. I traveled abroad some months back and i got very useful support from their contact centre and on one occasion where i could have used my card on a high risk terminal..i got a notification from their ITRisk (i think thats their fraud monitoring team) team.

My humble take on this, please.

this is a reminder. i used their ATM and 10k was debited without being dispensed

I think there is a bureau called customer complains bureau. Try and report oga, may be something cld be done. That money is too big to forget. Atleast the guy's picture shld be on police wanted list.

Atleast for now GTB is the best. Ease of transactions and excellent customer care. I will give it to dem till dey fuckkk up.

ur card must have been slotted into d machine for such transaction to occur and it took u over one month to realise the difference on ur balance. I advice u take time and think of what might have happened.someone had ur card and password

Similar thing has happened to me when i had an account with Keystone Bank, My Atm card was used at a POS terminal to buy goods and i lost #250,000. I went to my bank branch office to complain and i was told they will investigate, For over 2 weeks, nothing happened. I was very angry, just to get a CCTV footage from the store became a problem, So i asked the bank branch manage to introduce me to someone at the head office since he said the case is been investigated at the head office. When he finally did, i went to the head office to met the guy, i got to find out that the shoping mall where they used the card has no cctv camera i was shocked, how can a bank issue their own POS machine to store that has no cctv it goes to show that Nigerian Bank don't even care about their customers financial security. To make matters worst, i just asked the guy, Please how possible is it that i will ever be reimbursed, He looked at me, Took me inside a room and showed be a pile of letters and complains written and submitted to them to investigate, The first 5 letter he gave me, I saw that i wasn't the only one, infact i was even lucky to have lost that little. He told me to plain language that in all sincerity, The Bank cant do anything. I left their in shock.

Op, i tell u, don't put ur mind, I think Nigerian Bank are just criminal entity taking advantage of us. They know how this scheme works and am sure they are indirectly involve just to remain afloat. Little to nothing can be done to recover your money. Have learnt a few tips after my ordeal with them.

Always change your ATM card pin number frequently, I change mine after every 2-3transaction maximum.

Avoid being familiar with any bank staff you met at the Banking hall working with the bank you have an account. That way, They know little or nothing about your account. You cant trust any of them.

Use very few ATM machine and avoid using POS terminals, That seems to be one of the easy way card pins are compromise.

Since my ordeal, i have learnt to avoid those big name banks, that's where most criminals target.

md4real:
Honestly, should the bank be liable for a transaction performed on an atm machine using your secret detail know only to you?
My advise, collect the fraudsters address from your guy in first bank and storm the area with boys or efcc.

lol, bros are u still in analoque age ? Hustlers(fraudsters) don't use their original address to open bank accounts anymore, they now uses fake pictures and address, most times, in collaborations with some bank workers..

desperatem:
I will try to make this story short. I started banking with UBA early last year. Apart from outrageous tranSfer charges, postage stamp charges and very slow service I think its a good bank. I have never had issues of unauthorized withdrawal in my account until August 2015. An unauthorized ATM transfer was carried out in my account on August 8 2015 twice and UBA did not send me any alert for the 2 transactions. The first transaction was NGN 180,000 and the second was NGN 30,000. I got to know about the unauthorized transaction about 1 month few weeks later when I traveled out of Nija. A customer deposited some money in my account, so when I received the alert (My MTN number was Roamed for alert purpose) I knew instantly that about NGN 200,000 plus to NGN 300,00 was missing in my account. I can't wait to get back home to confirm it. Because of this, I came back to Nigeria Ealier than planned (My arrival date was scheduled for 15th November 2015).

When I got back to Nigeria, I visted my branch and I requested for my account statement, I got back home and was going through the account statement that was when I came across the transactions, I reported immediately to my Branch and I was asked to write a letter which I did. My account officer said maybe someone I know used my ATM card to do the ATM transfer but I told her its not someone I know and my ATM was not used for the transaction because I live alone, none of my friends or GF visited me during that period because I was busy planning my traveling and my ATM card is always in my wallet and my wallet is always on me. In the letter I wrote, I requested for the footage of whoever did the transaction and the account information of the beneficiary.

A couple of weeks later, I go a call that they have concluded the investigation. They were able to get the beneficiary account information but they said no footage was sent along. It was a First bank account so they couldn't view the the account holder's information except the name and account number that was sent from First Bank head office. Since UBA got that information, they stopped working on getting to the bottom of the matter. They said they can't work in hand with First Bank to apprehend the suspect. They said they are waiting for the day the suspect will come and do any transaction on his account even if it's 2050.

I got tired of waiting and I visited a friend who is working in First Bank last week, He checked the suspect's acount details for me because I collected the account number from UBA customer care. When my friend checked, he showed me his picture, I swear I have never seen the guy in my life. He went through his transactions as at October, we discovered that the guy withdraw all the money immediately he finished the fraud and he has less than NGN 1,500 in his account. After that revelation, I visited my UBA branch and I narrated everything to then, now they take me serious a bit but they later said "still there is nothing we can do" after then, I withdraw all my money from the account and I deposited it to my other bank account with another bank. I am going there today to withdraw the rest of my money. UBA is not a customer's bank. Its very useless bank and if you keep your life savings with them you might end up having a HIGH BLOOD PRESSURE. I just shared my experience with UBA with my fellow nairalanders so you can all be wary of UBA. If you have an account with them, you better take all your money from there to avoid story that touches.

Your comments/contributions and better and quicker way to go about this is highly welcomed. Thanks for reading. I hope you learn a thing or two? If anyone experienced ATM fraud before please share your experience with us.

SAFE.

Hello OP,

I'm so sorry about this experience. Kindly send an email to cfc@ubagroup.com. Use "desperatem" as your subject. You will be promptly attended to. Sorry for this once again.

Uba is a useless bank with no regard for customers after doing my bvn for almost three months ago they just froze my acct and are telling me today that there was a problem if its time to advertise they follow you like headless chicken. Am shutting my acct in that bank down

desperatem:
I will try to make this story short. I started banking with UBA early last year. Apart from outrageous tranSfer charges, postage stamp charges and very slow service I think its a good bank. I have never had issues of unauthorized withdrawal in my account until August 2015. An unauthorized ATM transfer was carried out in my account on August 8 2015 twice and UBA did not send me any alert for the 2 transactions. The first transaction was NGN 180,000 and the second was NGN 30,000. I got to know about the unauthorized transaction about 1 month few weeks later when I traveled out of Nija. A customer deposited some money in my account, so when I received the alert (My MTN number was Roamed for alert purpose) I knew instantly that about NGN 200,000 plus to NGN 300,00 was missing in my account. I can't wait to get back home to confirm it. Because of this, I came back to Nigeria Ealier than planned (My arrival date was scheduled for 15th November 2015).

When I got back to Nigeria, I visted my branch and I requested for my account statement, I got back home and was going through the account statement that was when I came across the transactions, I reported immediately to my Branch and I was asked to write a letter which I did. My account officer said maybe someone I know used my ATM card to do the ATM transfer but I told her its not someone I know and my ATM was not used for the transaction because I live alone, none of my friends or GF visited me during that period because I was busy planning my traveling and my ATM card is always in my wallet and my wallet is always on me. In the letter I wrote, I requested for the footage of whoever did the transaction and the account information of the beneficiary.

A couple of weeks later, I go a call that they have concluded the investigation. They were able to get the beneficiary account information but they said no footage was sent along. It was a First bank account so they couldn't view the the account holder's information except the name and account number that was sent from First Bank head office. Since UBA got that information, they stopped working on getting to the bottom of the matter. They said they can't work in hand with First Bank to apprehend the suspect. They said they are waiting for the day the suspect will come and do any transaction on his account even if it's 2050.

I got tired of waiting and I visited a friend who is working in First Bank last week, He checked the suspect's acount details for me because I collected the account number from UBA customer care. When my friend checked, he showed me his picture, I swear I have never seen the guy in my life. He went through his transactions as at October, we discovered that the guy withdraw all the money immediately he finished the fraud and he has less than NGN 1,500 in his account. After that revelation, I visited my UBA branch and I narrated everything to then, now they take me serious a bit but they later said "still there is nothing we can do" after then, I withdraw all my money from the account and I deposited it to my other bank account with another bank. I am going there today to withdraw the rest of my money. UBA is not a customer's bank. Its very useless bank and if you keep your life savings with them you might end up having a HIGH BLOOD PRESSURE. I just shared my experience with UBA with my fellow nairalanders so you can all be wary of UBA. If you have an account with them, you better take all your money from there to avoid story that touches.

Your comments/contributions and better and quicker way to go about this is highly welcomed. Thanks for reading. I hope you learn a thing or two? If anyone experienced ATM fraud before please share your experience with us.

SAFE.

Wow this comes as a surprise to me i remember when i lost my card and i contacted the customer care,although the thieves were able to make withdrawals but as soon as i contacted UBA my card was blocked imagine if i was a second late all my money for disappear [color=#990000][/color] best advise is for you to contact your account officer to get a better understanding

anataala:
Is a bad experience kindly write a complain like a petition and send to complaints management division of CBN I will follow ur case up u can write me email to anataala@yahoo.com I will reply u with my official email

I am so disappointed with CBN.
I got their address from their website and sent them a mail twice.
You know what? The mail was undelivered! A central bank in the year 2015!!
If you are in anyway connected to the institution, tell them to wake up.
How does somebody communicate with them? if information on their website is not reliable.

Firefire:



Another similar bank is Ecobank, you keep receiving Debit Alert transaction on a Savings Account.

Ppl complain everytime abt Ecobank n dey keep banking with them. WTH

Zoharariel:
UBA is 1 of the most useless banks in Nigeria, and I strongly believe its license should be revoked, for collaborating with fraudsters to swindle customers.

***Modified***

For all those kids on Nairaland always yelling FTC - Pls grow up, there's absolutely nothing in it.

whalai you just made me laugh with your words... Lol

Tell me why there won't be fraud in the banking sector when those employed are there to beat unemployment and not because they had dreams to be there, people who know nothing about the banking sector

Tell me why there won't be fraud in the banking sector when those with passion for the job that studied the sector for good four years are not there working with passion for the job.

Warlord3000:
sorry to burst your bubble cos apart from stanbic ibtc am not sure any other bank has got your time sir. and the reason i even mention them is because they have got less customers and cant afford to lose you too

Your post about Stanbic IBTC Bank having less customers is a big fat lie.

You know nothing about the bank.

I had to stop banking with UBA about 5 years ago. They had been deducting money illegally from my account before then.Sometimes, they deduct little amount(53 naira, 30 naira, 234 naira etc) that you wouldn't take cognizance of. One day, they deducted 2,000 naira at a go for no reason. That was the day I stopped banking with them. Ironically, since I stopped depositing money in that account, I still have about 980 naira from the 1,000 left in the account after 5 years. I had thought that nothing would be left in the account at the rate at which they were stealing !

Bastard bank!
Today's experience wasn't funny at all. #so tired!

Report this case to CBN bank customers complaint desk. Once it's certified it's a fraud in which you were not negligent, you're likely to get a refund.

Bros, there's no right time to loose one's hard earned cash. It's commendable that you shared experience, for us to learn.

From my experience with a US credit card and a review of your experience and other fellow NL's

Standard banking practise for compromised card PIN fraud investigation is basically for identification of perpetrator(s).

Subsequent report of same to the NPF (police), Efcc and the likes for criminal investigation remember these institutions are liable for disclosure to third party as we customers entrust our money to them.

This law enforcement bodies are mandated to counter this agreement btw customer and bank without prejudice. No bank in the world will ignore request from law enforcement agency in view of crime investigation.

What the bank can do is place a hold on the beneficiary's account with a court order pending when said funds are available.

I was like this throwing tantrums and cursing until an uncle who is a legal financial adviser enlightened me as a I have attempted here.

I advise you seek legal advise or directly report to EFCC or NPF. I am certain the banks will provide any form assistance when requested from theses agencies.

I feel your pain bro. the banks in question are quite commendable. You are exposing your friend and the bank by stating his disclosure of the beneficiaries. That's not info for public perusal.

Cheers.

And UBA staffs are very rude. They can ignore you and make you look so miserable.

Firefire:



Another similar bank is Ecobank, you keep receiving Debit Alert transaction on a Savings Account.

I swear UBA na learner where ecobank dey for uselessness

Ayoolanairaland:
Why not post the guys name and picture maybe someone can know him on nairaland.

I have been banking with UBA for some time now, and i strongly believe your perception is way-off. Your card was compromised and when UBA reached out to FBN; FBN was unwilling to assist. You were however able to get footage through your friend in FBN - Yet you passed judgment that UBA failed. Who failed? Surely FBN messed up. I quite understand your loss, but i do believe your judgment is obscure and beclouded.

If you have concerns with the Bank, I believe you should consult with the bank for investigation and prompt resolution. Check this out - If after moving your fund to another bank and a similar scenario plays out; will you keep moving funds from one-bank-to-another? I had a similar challenge, when i compromised my card and got defrauded while online. You will be shocked to know that besides getting my hard earned money back, the fraudster was apprehended - Kudos to the team @ UBA.

I have accounts with two other banks; GT and Stanbic; but I have never had a challenge with UBA that was never resolved. Permit me to add that their customer care is also efficient. I have 3 accounts with them, including a Dom and U-Care account for my Son. At this point; I guess I can proudly declare to everyone that UBA is OKAY.

l bank with Uba and I don't have any problem with them. l use their mobile money platform (Umobile) and it's perfect. Their customercare(phone) works 24/7. You can also contact them on facebook and get almost instantaneous response. Note:I am not doing PR for Uba. l once complained to them about charges and the explanation I got was that they charge 0.3% on all your debit withdrawals monthly as cot(Central bank approved for all banks) e.g. if your total debit withdrawals in a month is N10000, ur cot will be N30 plus Vat ( 5% of N30); so, for N1m debit withdrawals in a month cot will be N3000 +5% vat. All cbn approved and charged by every bank.