pocohantas:


Very true. I mentioned ATMs because most cases I have seen happened at ATM points.

I have heard of this too, in such situation, send it back to them. I will get off my lazy butt and finish that thread.

Harbeeorlar:
How is it different when someone who send money to your account can still went ahead and report you that the transfer is fraudulent?

tomdon:




Mr sense, so you must do kyc before offering value and getting paid, with your running mouth abi na fingers, ode

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?

RussellRutherfo:


Lol!
To go through this process will cost the guy nothing less than 200,000 with enough stress and time as compared to the 3000.

No be 9ja

bigt2:
This is a huge amount of money in front of you, don't miss it. Get a good lawyer and sue their ass.
Let them show the cam recording of the day and you might be lucky if the camera got his lying ass. Let him show the proof that his phone was sent to you, yes, but yond reasonable doubts. Let mtn or the network provider provide logs for IMEI change, call logs of the said number (to know if phones were changed) on the day the transaction occurred for the jury's perusal.

Email me after getting the money tho

unmask:
he can't sue anything.....the bank has duty of care to do that. If I report a fraudulent account, the bank should be able to block the account till the owner of said account proves his innocence. However I can sue whoever reported me.

It is akin to saying you want to sue the police because someone reported you and they invited you for questioning

JetStar:


Yes. Otherwise financial service providers will be held responsible for crimes such as money laundering, armed robbery, etc. This guy could be held for such if he doesn't know who he is offering the service to. People are very bad these days. They steal a lot.

Harbeeorlar:
But i think he owns the account because he used the ATM too. He actually wanted to withdraw 7k but he withdrew 4k so that he can transfer the 3k to me to balance the amount he planned to withdraw

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.

pocohantas:


While reporting to the bank is ideal, there are situations where it wouldn’t work out that way. The descriptions in transfers are for a reason. But then, you are right. You should report to your bank first, not everyone has my grace.



I would send back to SAME account before/after contacting my bank.

tomdon:




There's no issue of pity here man, if it happened as the OP narrated it, it's a very good lawsuit and I would've helped him with lawyer if he were in Lagos.

Your number one point solves the riddle. If and only if they have evidence, they can do and undo

brightalo1010:


You sending back to the same account without reporting to the bank might as well be a wrong move, do you even understand how many days you supposed to hold onto any mistake transactions into your account before sending it back? Especially from a total stranger.

I never can trust those scammers that's more reason why I will tell the same person that mistakenly sent the money to me to contact the bank. Once he do so then I believe my bank will contact me on that.

bigt2:
This is a huge amount of money in front of you, don't miss it. Get a good lawyer and sue their ass.
Let them show the cam recording of the day and you might be lucky if the camera got his lying ass. Let him show the proof that his phone was sent to you, yes, but yond reasonable doubts. Let mtn or the network provider provide logs for IMEI change, call logs of the said number (to know if phones were changed) on the day the transaction occurred for the jury's perusal.

Email me after getting the money tho

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

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

Darlenelove:


So who issues post no debit orders?
It’s only Court that has the right to restrict accounts.

Banks have no right to block your account base on a mere allegations without a court order.

Let her sue bank to court
It’s against her fundamental rights to ownership as contained in chapter four of the constitution.

tomdon:



You think this is social media account that you can report and block at will

In fact I'm going to report your access bank account for fraud this morning.
Shey you won't postrate and start begging me now

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.

fykes:

Have u read the financial intelligence unit act?
Have u read the efcc establishment act?
Don't say what u don't know.

ornicus:


i do not believe this story. This is no longer a new format standard format.someone meets you at an atm, says he is a hurry, transfers money to you. you give him the cash. some days later, you find that the transfer was from a kidnap victim or something of that nature.

pocohantas:


Welcome back.

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.

speedyconnect3:

I doubt this. The paga operator has licence flowing from cbn to paga.

Otherwise someone will come, transfer 1m and claim its fraud later.

Harbeeorlar:
But that is insane. So everyone must have CCTV or move around with camera?

ornicus:


thanks.

eku explosion dethroning corona ati looming recession
and we are just in march

rawfact:


But you received the money in a Business Account and not a Personal Account like the OP. Isn't it?

Darlenelove:


So who issues post no debit orders?
It’s only Court that has the right to restrict accounts.

Banks have no right to block your account base on a mere allegations without a court order.

Let her sue bank to court
It’s against her fundamental rights to ownership as contained in chapter four of the constitution.

Bozzyironlady:
Op kon explain how your waka go for bank today, abi dem don gbam you