Harbeeorlar:
It happened at ATM point (GTconnect) but i want to go to the nearest branch tomorrow but before i go i am trying to seek knowledge on how to go about it. I should have solid claims because he used the ATM to withdraw moment before he transfer to me. And i used the ATM too.

If you dare go to the bank, any branch o, they are going to hold you till police will come pick you. My guy is still refunding 600k till now after two weeks inside panti

I keep receiving messages from GTB telling me to make deposits into my account(an account I never created or know a thing about)

That bank either conspires with fraudsters or are vulnerable to their tricks

Harbeeorlar:
But seriously is there proof for all the monies that enters your account? A random person that send money to me legitimately can just choose to report me?

Imagine. A random person sending you money for no reason/transaction. Thank your stars the amount is small. Go and clear yourself before they whitelist your BVN.

And you don't need any lawyer. Just find out the branch that runs the ATM gallery. They have videos of everything happening there. They will investigate your story with it.

donMIG:
That bank dei maddd
That was how I wanted to transfer 251k it bounced back telling me my limit was 100k
After I sent 100k
They slammed a restriction on me
I cldnt transfer via ussd again
Dashed to the bank
The fools said I don't have a valid ID since 2016
R they mad?
N I opend a sub acct 2wks prior to this restriction!
Useless fucktards said I must provide the valid ID gas go house go carry ID the tin vex me they wasted my time n they felt my wrath!

Why are u so ignorant and backward.....its a cbn policy to provide a valid I'd card to run certain transactions...this is 2020, stop displaying your stupidity in public places

RisenPhoenix:


You want to give sniper to person with headache?

@op. You'd better listen to those who are telling you to cooperate with the bank fully. You were the victim of a fraudulent case. The man you met was not the rightful owner of the account. Forget about the alleged ATM card you saw or anything else. You are not an investigator; he could have shown you just any ATM or he could have stolen it along with the phone from a bag or purse. You just don't have the information to identify the person's credibility and you had no business behaving as if you were his bank; conducting transactions on its behalf. Also, nobody who can serve as a witness clearly saw you give him the cash. As it stands now, the only verifiable info available anywhere is that a sum of money was transferred into your account via USSD from a possibly stolen phone. Go clear yourself and if they want you to repay the money, pay up.

If you involve lawyers or the police, they will just escalate the issue to the point where you cannot handle it again, and a N3k issue will become a N500k issue. I have warned you. My task is done here.

And on getting to the bank they apprehend him claiming the phone was stolen at gun point, a car was hijacked and a life lost...
Well lemme not complicate the issue.

HazzanTazzan:


They cant arrest you...

I have had such case before from a trade here on nl where a sister filed a fraud case on a joint acct operated by her and her brother...

It was her bother who transacted with me and paid me but the sister who wasnt in the country wasnt in terms with how the brother was moving money and thus filed fraud transfers...

My acct was restricted and i had to visit the bank and they showed me the transaction and i explained...

Told them to hold the value involved from my acct and free my acct ... they did so.

Once they resolved the issue, they shld release back the value to my acct...

And that was it... when the brother and sister came to terms a week later, the value held was released back to my acct

This another very good angle. Thanks for sharing this knowledge

OP can you please keep quite and go to branch of your bank nearest to you and close out this matter?

RisenPhoenix:


You want to give sniper to person with headache?

@op. You'd better listen to those who are telling you to cooperate with the bank fully. You were the victim of a fraudulent case. The man you met was not the rightful owner of the account. Forget about the alleged ATM card you saw or anything else. You are not an investigator; he could have shown you just any ATM or he could have stolen it along with the phone from a bag or purse. You just don't have the information to identify the person's credibility and you had no business behaving as if you were his bank; conducting transactions on its behalf. Also, nobody who can serve as a witness clearly saw you give him the cash. As it stands now, the only verifiable info available anywhere is that a sum of money was transferred into your account via USSD from a possibly stolen phone. Go clear yourself and if they want you to repay the money, pay up.

If you involve lawyers or the police, they will just escalate the issue to the point where you cannot handle it again, and a N3k issue will become a N500k issue. I have warned you. My task is done here.

And on getting to the bank they apprehend him claiming the phone was stolen at gun point, more money was transferred to a different account, a car was hijacked and a life lost...
Well lemme not complicate the issue.

Its stated in banks don't do any transactions with strangers walk to the cashiers or any employed person in the bank. If its ATM and its not working find another one don't do business with anybody you just let them use local format for you

fykes:
The only reason u are typing this now is that the money is not up-to 150k. Post no debit orders usually come with an arrest on sight order for large sums.
U would have been behind bars
Ur bank figures u can return the money and that's why they are being gentle with u.
The person stole someone's account details and transferred money via the account to u. It's a common scam most guys play on university students.
Forget how he did it... Go to ur bank with the money... Meet ur banker/account manager... He already sees the transfer thread. Explain urself and offer to pay it back.

Sometimes... Even after u paid back, it's a long road to recover ur account.
Goodluck

Now I get. It's impossible for the thief to withdraw, but possible to transfer without being caught.

Harbeeorlar:
But seriously is there proof for all the monies that enters your account? A random person that send money to me legitimately can just choose to report me?

I have been reading your response so far and honestly speaking, you annoyingly so naive.

Madridguy, I go borrow you my hand to give am better slap. Iranu.

DavidEsq:

How dem dey deposit cash thru ATM?

So u dont know that some ATMs are deposit machines? GTB has them, i don't know of other banks.

felzylix:

And on getting to the bank they apprehend him claiming the phone was stolen at gun point, a car was hijacked and a life lost...
Well lemme not complicate the issue.

If it gets to that, THEN he can involve a lawyer. Such a scene as you paint will not usually result in the robber defrauding a person of N3k at a bank ATM. The op's case sounds more like a student stealing his mother's purse.

As someone else pointed out, the bank has a reputation to uphold and with such insignificant sums, it will likely want to contain the issue as much as possible; especially since if it wanted to enter into legal issues over every case of fraud, it would probably lose millions. He should as a matter of precaution, inform a friend or family member about the matter or carry a friend along. Lawyers and police should only be brought in when there are no other options.

Dnt give your acct to an unknown person to credit.
Dnt give ur acct to a known person who is expecting money from someone you dnt know.

Fraudsters usually lure around ATMS' n banks, even sit in banking halls acting busy and e no dey show for face.

Thank you.

Something like this happened to a friend. The guy is a fraud, you can present your case to the network provider, the give you logs of the number. The bank will also give you details to the account the money is coming from. Although that will be after you have reported the case to the police

My brother there isn’t noting you can do in this case you don’t have choice than to return the money back
Or else jail is knocking
Next time don’t ever help a stranger to transfer in the atm stand or. Even assist I rather call security to assist than to assist anybody in the in the atm. Stand
Next time egugun be care
Or else motor go jam you
Shine your eye bro

madgoat:


So u dont know that some ATMs are deposit machines? GTB has them, i don't know of other banks.

Local man doesn't know o! The one in my area Sha doesn't have

Nobody reported you

You were played by a fraudster using a cloned card and probably a skimmer.

The skimmer was placed in front of the ATM card slot. With the skimmer in place and a standby laptop, his accomplice sent the error message to the machine, probably from his nearby car. So this dude plays both ways, thru the slot and by verbally getting you accept a transfer from one of his cloned cards becos he could not decipher the pin code. He stood around and queued, waiting for a victim. Unfortunately it was you.

Get a lawyer and do not go to your bank because you will be arrested.

The only way to catch him is if they had CCTV footage of cars in the parking lot or around it. If they ran the tape, the car that stayed around the longest had his accomplice in it. If they run the licence plates via VIN check database online or via Road Safety (depends on the state of registration), they can get the address of the owner of the vehicle, hence they'd have a lead. But unfortunately, this is Nigeria.

A country where nothing works and the abnormal is normal to most.

RisenPhoenix:


If it gets to that, THEN he can involve a lawyer. Such a scene as you paint will not usually result in the robber defrauding a person of N3k at a bank ATM. The op's case sounds more like a student stealing his mother's purse.

As someone else pointed out, the bank has a reputation to uphold and with such insignificant sums, it will likely want to contain the issue as much as possible; especially since if it wanted to enter into legal issues over every case of fraud, it would probably lose millions. He should as a matter of precaution, inform a friend or family member about the matter or carry a friend along. Lawyers and police should only be brought in when there are no other options.

Oga, the bank doesn’t enter any legal case with him. They hand him over the account owner/EFCC- since it was him/her that compromised their banking details. The bank doesn’t seek to contain anything, they simply wash their hands off it, once they have been able to lure him to the banking hall for the account owner.

Banking operations is not what you people will sit in your parlors and analyze “logically”.

felzylix:

And on getting to the bank they apprehend him claiming the phone was stolen at gun point, more money was transferred to a different account, a car was hijacked and a life lost...
Well lemme not complicate the issue.

Leave them, they think it is by typing chuchuchu. I have seen someone land in shit for receiving a token from the account of a kidnap victim that was eventually killed! Now imagine how deep that shit was.

You are very right ,something similar happened to me ,went to the ATM to withdraw and a particular guy I met there said the ATM is declining his card that he is traveling,he then proposed that he sends the money to my acc and I should please withdraw for him,I just smiled and replied him with FOR THIS NIGERIA?I simply declined .......and left .......at this stage when someone tells you Good morning kindly check your time.....

pocohantas:
Please and please, NEVER allow your account be used for such inflows. Especially at ATMs.

Someone close to me was a victim of something similar, I wanted to create a thread on it- but I have been lazy.

You've most likely been used as a PICKER. The person doesn’t own that account. I call them STRANDED COMMUTERS. They will always approach you with a sob story of how they are traveling, they need cash, but not with their DEBIT CARDS for withdrawals.

Then they’ll propose to transfer to your own and have you withdraw for them. Whatever they propose must always involve crediting your account.

People have helped withdraw ransoms without knowing. It is when you enter bank to withdraw and EFCC pounces on you, clear you from the ground with better sliding tackle- that is when you’ll know what you have gotten into.

What you’ll do depends on the severity of the restriction. One needs to see it to advise properly.

However, generally speaking, if there is an apprehend on sight placed on your account- you’ll be picked up the second you step into any branch. I doubt it’ll come in here, this is too small an amount.

If it is just the customer reporting, crediting your account with said sum and giving a written instruction for it to be sent back, would fix it. This doesn’t always mean the restriction will be lifted immediately. You might not be able to do online transactions for a while.

For the first scenario, you will spend more. A police report and court order would come in.

The good thing is, you will learn, albeit the hard way.

Harbeeorlar:
Is this after i cleared myself or now?
I went to the ATM the transaction happened yesterday to check the location of the camera but the only camera there is backing where we stood but we both used the machine that very day

The ATM compartment has an inbuilt camera... So you don't need to be captured by CCTV camera of the bank... As soon as you slot your card into the ATM, the inbuilt camera snaps you 21 times before you are asked to type in your pin... With this, the guys face must have been captured by the inbuilt camera...

Harbeeorlar:
So you mean am into a real trouble and no way i can proof the legality of the transaction?

The transaction is not a legal one... You have just been used as a pawn in someone else's game of chess....

Just do the needful and more importantly learn

pocohantas:
Please and please, NEVER allow your account be used for such inflows. Especially at ATMs.

Someone close to me was a victim of something similar, I wanted to create a thread on it- but I have been lazy.

You've most likely been used as a PICKER. The person doesn’t own that account. I call them STRANDED COMMUTERS. They will always approach you with a sob story of how they are traveling, they need cash, but not with their DEBIT CARDS for withdrawals.

Then they’ll propose to transfer to your own and have you withdraw for them. Whatever they propose must always involve crediting your account.

People have helped withdraw ransoms without knowing. It is when you enter bank to withdraw and EFCC pounces on you, clear you from the ground with better sliding tackle- that is when you’ll know what you have gotten into.

What you’ll do depends on the severity of the restriction. One needs to see it to advise properly.

However, generally speaking, if there is an apprehend on sight placed on your account- you’ll be picked up the second you step into any branch. I doubt it’ll come in here, this is too small an amount.

If it is just the customer reporting, crediting your account with said sum and giving a written instruction for it to be sent back, would fix it. This doesn’t always mean the restriction will be lifted immediately. You might not be able to do online transactions for a while.

For the first scenario, you will spend more. A police report and court order would come in.

The good thing is, you will learn, albeit the hard way.

Hahaha, sliding tackle got me lmao

daddytime:
Just for 3k?

What could he have told the bank judging by your narrative.

Imagine 3k, 3k that is not even enough for a good bottle of wine. i mean, why would anyone be desparate to pay 3k into his account at the ATM? he should have just used the 3k to buy suya.

pocohantas:


Oga, the bank doesn’t enter any legal case with him. They hand him over the account owner/EFCC. The bank doesn’t seek to contain anything, they simply wash their hands off it, once they have been able to lure him to the banking hall for the account owner.

Banking operations is not what you people will sit in your parlors and analyze “logically”.

People getting arrested daily in the banks of a particular banking hall is never in the best interest of the bank or its reputation. They don't like drama. If that happens and he's with a friend; a lawyer can still be brought in. If they are luring him in to be arrested, a lawyer can still do nothing at that point. He will still get arrested.

Aleora:
You are very right ,something similar happened to me ,went to the ATM to withdraw and a particular guy I met there said the ATM is declining his card that he is traveling,he then proposed that he sends the money to my acc and I should please withdraw for him,I just smiled and replied him with FOR THIS NIGERIA?I simply declined .......and left .......at this stage when someone tells you Good morning kindly check your time.....

Lol, keep declining. These miscreants are getting smarter by the day. Trust no one.

proclinician:

Always charismatic. You can make a great mother u know that. I Just wish things were a bit different.

Lol. Wetin you dey type like this?

Harbeeorlar:
Good day All, please how do I go about this issue I am into?

On Weds 11th, March, 2020 I logged on to my GTworld to make transaction but I got a response that my account has a debit/credit restriction.

I reached out to my bank via twitter DM to know what is going on, the response I got was that my account was reported for fraud hence I should make full return of alleged fraudulent transfer i made on 3/4/2020. Without wasting time, I logged on to my GTworld to check and i saw the said transaction which was the only credit i received that day.

It happened that i went to the ATM to make deposit but when i got there the machine was down (hardware error), seeing how depressed i was, one of the customers that wanted to withdraw offered to transfer to me while i gave him cash. That was it, it was not a fraudulent transaction but now he went to report me for fraud.

I further asked how i can clear myself but i was told only if i liase with the account holder or i make the full payment that's the only way they can lift the restriction. Someone i did not know or have his contact. And i believe he owns the account not someone else's account because he used USSD to make the transfer. But why he reported me and the bank easily believe is what i don't understand.

Please dear Nairalander, how can i get out of this. I cant make use of my account all this while, people who send money into the account unknowingly are on my neck to carryout there services for them, and this is becoming too much for me.

Since he transferred to you, you have his name. Twit GTB again with what you have and let them investigate the case. Or provide you with his detail so you can do a private investigation.

pocohantas:


People get arrested daily across branches. It is not you that will tell me what happens in the system. In fact, it is good REPUTATION that banks aid the necessary agencies/parties to arrest such criminals.

Seems to me that a bank that is always having fraudulent cases has big gaps in its internal control system. Hardly a situation that will endear the bank to the general public (yahoo businessmen excuded); even if the EFCC appreciate its regular help in bringing criminals to book.

And I may not know banks because I do not work with one, but I regularly work with lawyers and it is not you that will tell me how to work with a lawyer. One thing I know about lawyers is that they don't always have your best interest at heart, but the potential fees they will get. Once they follow you to the bank, the most lucrative resolution (to them) is what they will choose; ie a long drawn out case involving every security apparatus that can be brought into it.

Something is missing in this your story

madridguy:
My brother if i don't know you very well i can't give you my account number and not to talk of such circumstance.

Bros account number is every where. Go to many shops their multiple account number is printed on the wall

Femeto:
You better open another account. The day you go to the bank you would most likely be arrested. That guy na 419.

He wud use same Bvn na

Yeah! That’s the new format used by fraudsters so as to push all the crime on innocent soul! The only thing u can do is close dat account and open new one