UBA is more than useless. I stopped banking with them since 2011. I live & work in Enugu, I ve not live or stayed in Asaba b4 but d withdrew my money by 4am via ATM @ Nnebisi Asaba.
Till 2day, d said am the one

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.

englishmart:
that was how I got a credit of 3million. I refused yo report to the bank

See lies na! Abeg fear God ooo

So they have the guy's account number, name and picture yet they can't apprehend him?
Wonders of a third-world country sha.
Op you can take this up with EFCC or send a petition to CBN. UBA is really useless.

@desperatem, continue to post this on any forum, blogs, FB, Twitter. Even if your bank can't get your money back, they will learn to treat their customers better.

englishmart:
that was how I got a credit of 3million. I refused yo report to the bank

.

Hey! Shut up!

FCMB is another nice bank. It may not be popular like first bank and the likes but it's a wonder financial institution to bank with. As a business acct holder, i have free COT and customer service is superb.

UBA and ECOBANK... Those two banks...
May the TSA policy has an adverse effect on them that'll make them close down..
Very useless banks they're..

I understand how terrible you feel OP. My own experience is with GTB. I transferred money to a Skye bank account, they(GTB)called me to verify the transfer, I said yes, they should go ahead and credit the account.

They debited my account and two days later the beneficiary still haven't received the money. I called them several times and they kept giving different excuses. Finally they said the beneficiary's account was "not responding". So they were going to return my money.

They returned the amount I transferred but the 70k (seventy thousand) COT charge was never refunded. I asked them why, they said their system is programmed to debit on any transfer including failed transfer.

That is how my 70k entered voice mail. I'm using first bank now, believe me they are safer than you think. First bank will never charge you more than 1k even if you transfer 1billion. GTB na wayo!!!

HopeAtHand:
I know of a similar experience with this same UBA..

An acquaintance of mine had same awful experrience weeks after his marriage as got an sms aler indicatin a debit of N140,000 from his UBA account..This is a guy whose rent was due in about 2weeks and had planned adding the money to pay his rent.

He ran down to the bank but i learnt they couldnt offer much assistance.

I also know of an experience in Access Bank, Uniport branch that occured sometime in August where a bank teller stamped the deposits of customers and refused to post the money into the account of customers..The teller simply stamped the deposit slips and explained to them that network was bad and posting will be done manually (whatever that even neans) and they will get their deposit alerts later than normal and after two whole days of same action, fled with the money..it was a clean job that couldn't be made possible by only one person.

Our banks now employ thieves and desperate people as staff.

Banking with Access Bank, Uniport branch is quite a pleasant experience, some months ago my deposit was not credited but on visiting the branch with evidence the matter was promptly settled. Its unfortunate if some of these narrations are genuinely true, a lot of us are a bit careless with our ATM cards. Also report the matter to CBN and EFCC for further evaluation.

Hello desperatem,

Send a comprehensive email to anticorruptionunit@cenbank.org. A friend had a similar experience, and the CBN mandated the banks to be on top of it. He was able to recover his money (not full tho).

cheers.

Useless Bank of Africa

I stopped using UBA since nov 2013. Well, I wont lie they weren't that bad to me! They were just a bit old fashioned. I also have an acc with ecobank and I hate that bank so much now. Ive also had that acc for a long time since their days as oceanic. Their quality has really nosedived and they are always making one stupid withdrawal or the other. Also most of their staff are slow pokes...not smart at all. There are also many old people who speak poor english that work there. Can u imagine sometime ago, I went to one of their branches to enquire about their mobile banking but they were so clueless about it. A customer care rep was even telling me that she herseld doesnt use it so she cannot really put me thru..can u imagine? Well I really love diamond bank.I think they really have good services especially their internet banking. Their staff are also young and smart and my acc has never been tampered with. So am cool with them for now.

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.

The bank that generated the pin for you and keeps track of your account won't know your pin. I believe every illegal transaction that takes place in an account that involves pin code that the account holder didn't divulge to anyone has an insider's hand to it.

Most insensitive bank ever. i stopped using their services on my relocation to Nigeria in 2010. Terrible experience, especially the non-salary account deductions policy of 2011-2012

crisycent:
I understand how terrible you feel OP. My own experience is with GTB. I transferred money to a Skye bank account, they(GTB)called me to verify the transfer, I said yes, they should go ahead and credit the account.

They debited my account and two days later the beneficiary still haven't received the money. I called them several times and they kept giving different excuses. Finally they said the beneficiary's account was "not responding". So they were going to return my money.

They returned the amount I transferred but the 70k (seventy thousand) COT charge was never refunded. I asked them why, they said their system is programmed to debit on any transfer including failed transfer.

That is how my 70k entered voice mail. I'm using first bank now, believe me they are safer than you think. First bank will never charge you more than 1k even if you transfer 1billion. GTB na wayo!!!

.

The charges is too much... Is the transfer more than 6 digits?

Uba and mtn i dont know which is worse

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.

My friend told me that there is a way you will have to report them to CBN for that type of fraud. The Bank having the account number used in transferring the money must produce the account holder or refund you immediately. That is the CBN directive so you should take steps to report them to CBN to get your money. 200K is not small. The same thing happened to the lady that told me this in UBA.

UBA is the most useless bank. I have already reduced my money in the bank to a smaller amount. I am even planning to close the account because their online and mobile transactions which is the reason I still kept the account is crap. You will make transaction and they will deduct your money twice or it will take a whole week to complete a transaction that is supposed to take seconds after you must have forgotten about the transaction and made another arrangement. By then realise that you have being debited for what you no longer need.

Pls try do everything to avoid ur helpful friend from bn named in dis case should dis issue escalate especially, if e "unofficially" gave u d information of d beneficiary account details. You know wht I mean bro.
I tink u can write d head office with well documented transaction details n clearly stating wen u would like to receive feed back on dis issue. Make it b clear to dem dat u aren't ruling out further actions as u can't suffer for a fault dat wasn't urs. Best luck bro.

That's why I love zenith..They surely wouldn't have let the issue die like that.

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.

Guy, you do not have to forget your money like that, chill down. The only thing now is if we put you through, you go forget us. Since it has been confirmed by both banks that you did not compromise your account details and the debit transaction is not from you. UBA is supposed to pay.

WRITE UBA HEADQUARTERS COPY CBN . You heard me well. These things are easy.

Nigerians like to be forced before they do the right thing. So do it.

Op, sorry oo

UBA was my first bank. I opened my account with them in 1995 in one of their Ikeja branch.
Omo, see daily deductions daily like the red telcom deducting my account balance. Quietly, I cleared my money from the account and forget them.

But the culprit can be caught, with his picture, address and phone number.

Then what is the essence of BVN if someone can clone someone ATM and go scot free.

This is not an SA company o. This is a Nigerian bank defrauding a Nigerian too. Pls CBN come oooo or is it not CBN regulating our commercial banks ?

Before I forget, hmmm that guy in FBN that helped did kinda unethical stuff o, you ought to write FBN on your own. So please keep his identity secret, no matter what.

NgeneUkwenu:
I just checked my account balance With UBA this morning and discovered 1000 Naira has been debited from my account, yesterday it was 800 naira...From God knows where..

Though I got an alert from them on Saturday evening that my ATM had been compromised, that I should visit any of the branches for Blockage...Imagine? I can only thank God I just have less than 40K with them, as I only use the account as expense account mostly on weekends. I have since cleared the account.

Stanbic Bank remains my Best Bank, where all my Major accounts are domiciled.

Story for people who have money..

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.

You've condemned the bank (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) so why ask for "better and quicker way to go about this is highly welcome".

However, that's not to justify their handling of the issue and making it look like there's nothing they can do abt it. 2 things happened. (1) Card phising device was on the last ATM you used so your details have been copied. (2) your card was compromised by either you dropped it carelessly n ur details was taken.

The transaction was a transfer for such volume. So trail the bank (ATM) n branch the transfer came from n the last place it was used. Also, get a good lawyer cases makes every happy cos of damages or alternatively write to CBN customer care that one is immediately u will see refund but lawyer will be out of court settlement with damages. Trust me

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

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.

similar bank with dubious staff is the zenith bank, the bank survives on fraudulent activities and collaborate with foreigners like labanese and indians to fraud Nigeria as a country and the citizens

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Eyepencil:
.

The charges is too much... Is the transfer more than 6 digits?

Yes. When I was told at first bank that even if I transfer 1 billion, they will not charge more than 1k, the only thing on my mind was all the money I have lost to this fraudulent bank.

similar bank with dubious staff is the zenith bank, the bank survives on fraudulent activities and collaborate with foreigners like labanese and Indians to fraud Nigeria as a country and the citizens

Same thing happened to me. I've moved my accounts from there. Common criminals

UniqueGem:
Infact. i am inside this same UBA right now, i have serious issues with them. come see as people full here with complaint.
The worst part is they will ask you to wait while they forward the whatever to the headquarter. wait fire!!

Most Nigerians are desperate. Things are hard. Shine your eyes..

The best way to bank with uba is never to have more than their minimum balance there. >

oride:
Bro, the bank can't investigate further than they did. since you have got all the facts, I will advice that you report to the EFCC and (if in Lagos)anti fraud unit at Glover road, Ikoyi. please do so through legal counsel.

Sorry once again, good luck.

Common sense would have made the Bank follow up on this matter as it affects their integrity and customer service. Imagine if this happened to a large chunk of their customers. Anyway, reporting to the Special Fraud Unit is a welcome idea.