madridguy:
@ OP, you deserves a good slap for what you're saying. You need to thank your star the amount s not more than that, otherwise by now you will be cooling yourself at a underground cell in SFU.

So in this era you still help a total stranger to transfer into your account why you offer cash? So since the ATM is down you cannot return back home or its a must you deposit that day? My brother, be mindful of what you do with strangers.

Go to the bank, report yourself and pay the money. Shikena

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.

Born2Breed:
The person that transfered money to your account is a fraud.

The account he transfered money from does not belong to him.

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?

MistadeRegal:


The person is a fraudster but the account is his. That's what happened to a Paga Operator in my area. Some guys will come over to him, after they had gotten the money from him, they'd go to lodge a complaint to their bank and the Paga Operator have to return the money; double loss.

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

donMIG:


Old fool did I mention ur fadas name dat u open ur rotten smelly mouth to spill out that trash?

Do u have sense u that is even talking?
If u did I doubt if u will let such garbage fall out of ur mouth like this
Beta get a leash on ur gadamn sef dog stupendous fool

Roozzaay:

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

tomdon:




I'm flabbergasted as to how you people are thinking upside down. It is the bank's job to go and fish out whoever is the fraudulent sender. The fact that the bank even froze his account without proof of fraud is lawsuit worthy. Freezing the receiver account is a mistake except they've noticed that he is fraudulent

Even if the sender's account was stolen or the funds transferred is a proceed of fraud, the receiver got paid for offering value. It is if it is proven that he never gave value that he is culpable and that's only in situation where the funds is proceed of fraud not when the account is stolen. And that will be a case for law enforcement to unravel
I've paid money into someone's account who pretended to be selling something online but after transferring the money to him, he blocked my line. I don't expect the bank to just freeze his account based on my allegation without due diligence from the bank to first establish that he is fraud.

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.

dazzlingd:


It's obvious your senses are out of order, nothing is in your head other than dusts....I could imagine the stench coming out from your mouth and armpits...u are a poor smello.....dirty little thing...may poverty never evade u, may the gods strike u with sopono....omo maalu. You stink....shameless motherfuker

Marxizm:
If what you said here is the truth, it means this is a new format by frausters to prey on victims. People should be careful because not everybody you see in bank premises comes for genuine transactions. Some are there just to defraud customers.

I believe you visit your bank, the branch were the transaction took place and explain to them what transpired between both of you.

Then ask them to call the customer that reported you of fraud to come for a meeting to clear your name. If there is any cctv, you may be Lucky.

But my fear is that he might deny the obvious because there is no evidence to support the cash you gave him.

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.

bigt2:
if the camera evidence is not available, the network provider may be able to provide proof that there was no change of phone (IMEI number) on the said day. In addition, call logs could be gotten but you really need to get a lawyer first. A sound one.

olasquare:
Get a lawyer, better still a financial litigator who understands the dynamics of case as this. And to still maintain your trust with your clients asked the said lawyer to write them or mail them explaining in layman's language your ordeal.

You are even lucky the said amount is small. If it were to be huge sum by now the police won't give you the opportunity to be on nairaland asking for advice. Lesson learnt from your experience now.

It is only with a good lawyer, and or with a police backing you can get the network to release call logs of the phone from which the ussd was used. But before going to the network the bank has to release log files of the transaction including the phone no that initiated the transfer. With this the network will be contacted to track the owner or user of the no, then you can be to get clarity. All these can't be done by you except you have strong legal correspondence or police backing. Sorry for the inconvenience.

speedyconnect3:

What happened?

jahlove4jah:



People sometimes make comment based on experiences they may have had in the past.

Let me give you one.

Three years ago my managers husband was approached by his friend who was into fraud unknown to him asking him for his account details to receive money on his behalf since his own is dormant.

The man without suspecting danger gladly accepted and provided his account details to the so called friend. They collected two other account details of unsuspecting friends and forwarded to their maga asking him to pay via any of those account.

The maga paid into one of those account (not my managers husband's) before he realized that it was a fraud. As a result, the 3 accounts were reported and they were flagged unknown to their various owners.

Months after forgetting about giving out his account details to a friend to assist him collect money on his behalf , he went to make atm withdrawal and he couldn't. He walked into the banking hall to complain and he was asked to wait. The next thing was DSS came and picked him up like a criminal from the banking hall. He spent six nights in the DSS cell before his wife was contacted helping the DSS to trace the actual criminals.

It was during this six days of waiting that he remembered that he once gave out his account details to a friend. And the friend knowing about the arrest now was on the run. DSS told him that until the said friend is provided' they will detain him.

It took the smartness of his wife to lure the friend into the DSS waiting hands with a business proposal before her husband was released.

MY POINT

1. Any body can report an account if he has enough evidence.
2. Try as much as possible never to allow criminals who are trying to divert attention to use you for their selfish reason.
3. In this instance, there was no rendering of service or exchange of goods. So it could be indicting.


Recommendation:

Considering the time and money it will take him to prove his innocence and trace the actual criminal, I will suggest that he can just go to his bank and tell them that out of pity he just helped a stranded customer in desperate need of cash at the ATM and refund the 3k since is not a huge amount.

Roozzaay:

He operates POS stuff and some transactions were made through his account which the authorities said were fraudulent. His account was placed on restrictions and he went to the bank to complain, that was how they lied to him to wait that they were working on it, until police came and he was arrested.

tomdon:



Don't even mind all these people. I don't think a bank can be so sloppy as to just freeze someone's account who didn't receive proceeds of fraud and they are not sure the person gave value for the money received without having done due diligence to trace the funds. They're playing with lawsuit if truly they do that

speedyconnect3:


His only mistake could be that he didn't do his Kyc during the transaction.

ignis:


All this is grammar.

JetStar:


Man you nor get sense. How dare you tell him that wen e don enter trouble. He can't sue the bank. The Original Poster acted like a bank to another bank customer to receive money on his bank account in order to give his "bank customer" cash. The thing is, this guy didn't do know your customer (KYC) before he decided to turn his account to a deposit money bank. Now that the cash has been withdrawn from his account, he has to pay back the said funds no question asked.

If he can find the person who made the transfer to him, then fine, otherwise he should just take heart and be wise next time. This is a lesson for every person reading this message.

Mateen1000:

Peele Femi Falana, Uncle Gani Fawehinmi

U just dey type type asif u dey write script
Better done than said
To get all this thing done go cost like how much and how many months?

trutht828:


First of all, dumb Nigerian lawyers will ask you to pay them 10% of the libel worth as charges before they can even take on the case.

Secondly, there is no jury system in Nigeria. The judge is the sole decider of any case

tellwisdom:


Even people wey never see two square meal a day go de shout- “Get a lawyers” Get a lawyer” iberibe

dazzlingd:


You people just be deceiving yourselves, get a good lawyer and sue....na so e easy

Xposed2020:


You ryt. Same thing happened to my bro only that he didn't give no one his account details and no inflow of cash into his account even from statement of acct but the victim has evidence he paid into the said account & no trace of the money. Therefore an insider must be involved. I begged my bro to sue gtb but an elder told him to forgive. In this case, it myt be more than 3k they just wanna lure him into the banking hall[color=#006600][/color].
I think Gtbank has a problem as this is becoming a norm.

speedyconnect3:
So you couldn't establish that you had a business deal?