Promicah:
I performed a transaction at a Pos stand and it was declined but I was debited 2100. Immediately, I complained to the back because it's a stone throw from my residence. The customer care told me to check back in seven days that she has logged in my complaints.

After the d-day, I discovered it was not reversed. I called the customer care and I received the shocker of my life. They sent me a document which I will attach to this post that it was successful.

I went back to the post guy and narrated it to him and he said, "He didn't see any money reversed." I went back to the bank and was told they can't do anything that it was successful.

Please bankers and experienced nairalanders, what can I do to recover my 2100? I don't have any money with me and I was hoping for that money. Have I been scammed or what?

See the attached picture for clarification.

Good afternoon sir Nlf.pmod. Please help me post. I really need this money, sir. I want to know where it's coming from.

domack99:
Did you get a print out receipt from the POS that shows declined?

Promicah:
I performed a transaction at a Pos stand and it was declined but I was debited 2100. Immediately, I complained to the back because it's a stone throw from my residence. The customer care told me to check back in seven days that she has logged in my complaints.

After the d-day, I discovered it was not reversed. I called the customer care and I received the shocker of my life. They sent me a document which I will attach to this post that it was successful.

I went back to the post guy and narrated it to him and he said, "He didn't see any money reversed." I went back to the bank and was told they can't do anything that it was successful.

Please bankers and experienced nairalanders, what can I do to recover my 2100? I don't have any money with me and I was hoping for that money. Have I been scammed or what?

See the attached picture for clarification.

Good afternoon sir Nlf.pmod. Please help me post. I really need this money, sir. I want to know where it's coming from.

Promicah:
I performed a transaction at a Pos stand and it was declined but I was debited 2100. Immediately, I complained to the back because it's a stone throw from my residence. The customer care told me to check back in seven days that she has logged in my complaints.

After the d-day, I discovered it was not reversed. I called the customer care and I received the shocker of my life. They sent me a document which I will attach to this post that it was successful.

I went back to the post guy and narrated it to him and he said, "He didn't see any money reversed." I went back to the bank and was told they can't do anything that it was successful.

Please bankers and experienced nairalanders, what can I do to recover my 2100? I don't have any money with me and I was hoping for that money. Have I been scammed or what?

See the attached picture for clarification.

Good afternoon sir Nlf.pmod. Please help me post. I really need this money, sir. I want to know where it's coming from.

Promicah:
I performed a transaction at a Pos stand and it was declined but I was debited 2100. Immediately, I complained to the back because it's a stone throw from my residence. The customer care told me to check back in seven days that she has logged in my complaints.

After the d-day, I discovered it was not reversed. I called the customer care and I received the shocker of my life. They sent me a document which I will attach to this post that it was successful.

I went back to the post guy and narrated it to him and he said, "He didn't see any money reversed." I went back to the bank and was told they can't do anything that it was successful.

Please bankers and experienced nairalanders, what can I do to recover my 2100? I don't have any money with me and I was hoping for that money. Have I been scammed or what?

See the attached picture for clarification.

Good afternoon sir Nlf.pmod. Please help me post. I really need this money, sir. I want to know where it's coming from.

oluwaseyi0:
Rather than reversed they approved

So the money is with the POS guys, he should check his transaction log

telim:



Reply with your account number. I Will send you 5k use am hold body and stop disturbing yourself.

okelola1986:
May be the POS person na sales rep, but tell him to tell his boss to check his apps, it will show that the money later successful and drop, once POS wrote approved or successful the money don go, this is my 5yrs in the POS business

morikee:
Tell am to print or show you his statement of account.

Egbi2020:
Go back to the bank and request for the Arbiter code of that particular transaction.
Take the code to pos guy and claim your money.
Once the bank gives you the Arbiter code, the pos guy will lodge the complaint with his service provider from there you will recover your money.
The Arbiter code is alphanumeric.
Eg. Zenith bank may start with zen........
In case the customer care may tend to play with your knowledge by giving you ordinary code in place of the Arbiter code.

Ekejoestar:
If I were you, I'll ask the pos guy to prove his innocence by printing out his account statement from the day of the failed transaction to when you showed him your banks notice of debit

OlujobaSamuel:

This is not always true. The pos guy might not be lying.
I will drop similar experience in a comment later

highness25:
Una never know these banks. That was how I was debited at a POS stand 10,200 and the transaction was declined, I went to my bank they said the transaction was successful. I went to the POS he said in all honesty that the transaction was not successful. I was just calm, the following day I entered my Bank and created a scene there to my greatest surprise the money was reversed to me. Something they said it's not in their possession oo. Fear Banks in Nigeria.

Now just imagine I received 10,500 what I'm seeing as my balance is 9k and I'm asking them where the 1,500 went to fcmb is saying I have a lien of 1,500 on my account and they can't explain what for. They will know me next week sha.

Promicah:


How sir?

phemmyfour:
The post guy is lying . If bank tell you that it successful, then it's successful cos computer no dey lie

lordimmaogidi:
All this, for the 2k?. We are really passing through hell.
I suggest you sue both parties 🙄🙄🙄

Kajaard:
All this stress for 2100 naira or dollars? I don't understand

Promicah:
I performed a transaction at a Pos stand and it was declined but I was debited 2100. Immediately, I complained to the back because it's a stone throw from my residence. The customer care told me to check back in seven days that she has logged in my complaints.

After the d-day, I discovered it was not reversed. I called the customer care and I received the shocker of my life. They sent me a document which I will attach to this post that it was successful.

I went back to the post guy and narrated it to him and he said, "He didn't see any money reversed." I went back to the bank and was told they can't do anything that it was successful.

Please bankers and experienced nairalanders, what can I do to recover my 2100? I don't have any money with me and I was hoping for that money. Have I been scammed or what?

See the attached picture for clarification.

Good afternoon sir Nlf.pmod. Please help me post. I really need this money, sir. I want to know where it's coming from.

Salowise:
I once had an issue like that, the money might not be in the pos agent's wallet, I'll advise you to contact your bank for NIBSS transaction confirmation. Also I'll advise you not to go to the bank those customers service guys knows absolutely nothing, just call their customers service and table your problem to them they'll report it to their technical department you can also contact the pos customers service yourself by giving them the session id.

OlujobaSamuel:
@op, tell the guy to show you transaction details of that same reference on his terminal or app. The verdict on the transaction details when checked with him is what he can hold onto.
A lady did a withdrawal on my terminal and it failed but was debited, she did it elsewhere but was successful.
The timing was very similar that we both got confused. I called my customer support after raising a dispute claim, but was told the transaction wasn't successful. I told her to go to her bank, bank gave her her account statement that it was successful, even showing my terminal.
I called my customer support again, and I was told to request for a log credentials from the bank, which I did, the bank gave us a credentials immediately we called but we discovered that it was for the other transaction that was successful after we compared it with her statement.
I called back again (all calls on me ooo, just to clear my name), I told them that the credentials is not for me but for the other transaction, the customer rep confirmed it to be true, then said she will check for mine(the one that is for my terminal), she told the lady to check her email in 48hrs, I was like why 48hrs, if the other can be seen immediately, mine too should show immediately.
The lady went home, after 5days, I called if she got the mail, she said no, I told her to come so we can call again (she needs to speak with her bank in person before I can explain better as I'm not the bank customer), we went through the same cycle again, and she never got the log from her bank still after 2days.
I don't know if the money was eventually refunded to her or not, But I never got any fund on my own POS

ikbnice:

If bank tell you it's successful, that's from their end, if it's not successful from the POS end, it's not successful. That's what arbiter log code is for. To trace that kind thing

Hanndye:

Isn't it adviceable to change the amount slightly if you are going to make a repeated transaction?