@All,

i did not read all the posts incase an answer to my question had already been provided earlier, i have an ATM debit against my account with FBN that has been pending for 6months. is it possiblle to investigate the transaction via interswitch? does anyone know a contact i can get in touch with?

thanx in advance

pls log onto thier website and lodge a complaint via the contact e-mail address. I am sure First bank is reliable.
best of luck[font=Lucida Sans Unicode][/font]

please i reside abroad and i have a savings acount with bank phb, but i really wonna know if my account is save.is it posible that bank workers could withdraw your money from ur account?,i dont have any card for the savings account,
will apreciate coments on this ,
secondly, what happens if the troubled banks are sold, i mean those of us that have account with the troubled banks, if they are sold, wil our accounts remain sam ?.

thx

benchwest:

please i reside abroad and i have a savings acount with bank phb, but i really wonna know if my account is save.is it posible that bank workers could withdraw your money from your account?,i dont have any card for the savings account,
will apreciate coments on this ,
secondly, what happens if the troubled banks are sold, i mean those of us that have account with the troubled banks, if they are sold, wil our accounts remain sam ?.

thx

It is possible that bank workers can withdraw money from your account but even if it happens, it can be traced and since it is an in-house issue, you will be re-imbursed if that occurs.

Sale of any troubled banks is not liquidation. It is simply transfer of ownership. What will happen is that a new investor (s) will buy off the equity that the Fed Govt has acquired by the cash injection into the troubled banks. The move will actually be better for customers because the process will produce the best hands to manage the banks, so the era of giving out loans to cronies of the bank executives at the detriment of businesses that actually need those loans will hopefully come to an end.

thx a lot for ya concern tager.cheers

The ebook is now ready:

How to Protect Your Bank Account From ATM Fraudsters. Available on http://2incstore.com/atmprotect.htm.

The same thing happened to me the same way. i checked my balance on-line in my office before i left office at about 6pm. on getting home at about 7.15pm, i wanted to make a withdrawal and realize my account was empty. i couldn't run to the bank at that time than to wait till next morning. On getting to the bank, they started pittying me and were so helpless. they laughed at my letter of petition. up till today, I've gotten to response since may 12Th. in no doubt, there are fraudsters among GTB bank staff and they carryout this operation while they are closing. i have resolve not to use ATM again as am advised by their bankers. i just witdraw what i need for the week every Monday.

the worst part of it is that they are not doing any investigation because they know they are not innocent of it. i will stop using GTB and i advise everyone to close their accounts with them. everyone that had been defrauded via This means had banked with GTB, why GTB?

GTB Oleeeeee!!!!!
GTB Oleeee!!!!!![/size][size=8pt]

The first thing your customer service officer would ask you to do at GT Bank is to change your ATM pin as soon as you receive your card.That rules out an Insider abuse.
Every GT Bank branch has a CCTV camera covering the front yard.
One other point you didn't state was when the event occurred, because GT Bank has asked their customers to return their old ATM cards as it will expire on August 31, 2010. They are to be replaced with a mastercard ATM that is more secure.
If you have the new one, then I'm afraid your card was compromised. No case there.
ENJOY!!!

cnonyelu:

The first thing your customer service officer would ask you to do at GT Bank is to change your ATM pin as soon as you receive your card.That rules out an Insider abuse.
Every GT Bank branch has a CCTV camera covering the front yard.
One other point you didn't state was when the event occurred, because GT Bank has asked their customers to return their old ATM cards as it will expire on August 31, 2010. They are to be replaced with a mastercard ATM that is more secure.
If you have the new one, then I'm afraid your card was compromised. No case there.
ENJOY!!!

I believe you work at GTB and had not been defrauded by this means before. I am quite aware of the rudimenst you are trying to explain, and coplain is that despite all that, people still get defrauded. The anoying part is that the bank dont do anything about it. My case happened May 12th 2010 before the campeighn for change of ATM card started. they told me, they would investigate and at least get the picture of the perpatrator, and till now 26th August 2010, they havent gotten me the picture nor even made a call to tell me how far. Am trying to get over it, so dont get me upset the more by trying to defend GTB. let them just get me the picture as promised and leave the rest to me.

enjoy!!

cnonyelu:

The first thing your customer service officer would ask you to do at GT Bank is to change your ATM pin as soon as you receive your card.That rules out an Insider abuse.
Every GT Bank branch has a CCTV camera covering the front yard.
One other point you didn't state was when the event occurred, because GT Bank has asked their customers to return their old ATM cards as it will expire on August 31, 2010. They are to be replaced with a mastercard ATM that is more secure.
If you have the new one, then I'm afraid your card was compromised. No case there.
ENJOY!!!

Always annoying to see bankers defending the indefensible. How does changing the PIN rule out insider abuse? If you had read this thread from the beginning, you would have seen that all the incidents occured way before the card recall. As we speak, my wife's card is missing in bank transit. Between the head office and her branch, no one can tell her where her card is.

So don't come here and start talking as if we are all daft and have no brains!

It is all about GTB and ATM fraud Haba

I will implore you to first of all try to use diplomacy. Lets see where that goes. This is because, GTB (and all the banks)usually issues disclaimer dissolving them of any liability associated with withdrawal through the use of ATM card after a customer might have collected the card from the bank.
If you decide to sue them, i am sure that they can ultimately afford the best defense lawyer and so the lawyer might argue that you withdrew the money yourself except of course if you can establish that you were not within 500 metre radius of where the withdrawal was allegedly made. This happened to a friend of mine 2 years ago and First Bank only said he could go and bring his lawyer for all they care. In any case may be you should try to contact the EFCC if there is anything they could do (atleast they could persuade the bank to give you up to half of the amount on certain conditions)

GOOD LUCK!

You can avoid being defrauded by these ATM fraudsters. Go get a verve card which is chip and PIN. It is certainly more secure. But please be careful on how you expose your card details and you PIN. If you still use a magnetic stripe card please ask your bank for a change to chip and pin. If you dont really understand what i mean, go to your bank and ask questions. It is best to protect yourself than allow yourself to get hurt and then looking for redress.

Got a publication on ATM card protection. Go to www.2incstore.com/atmprotect.htm

if it's the kind of cash you can leave, leave it. you would end up spending more money taking them to the court, unless you just wanted to keep nairalanders busy!

Atm Withdrawal fraud is going on now at Oceanic bank

illegal ATM withdrawal has been very rampant these days and it is up to each one to beware. Never disclose ur ATM card PIN NUMBER to anyone or use ATM machines at Non-banking designated areas. These tips will help a lot.

go to your bank and complain, they will help you out

ideally CBN should take a stand here. Moreover Sanusi is always touting about protecting the depositor. I suggest a special department should be opened at CBN where victims could lodge their complains and receive prompt attention and relief. ANd there should be clear penalty for banks that compromise their security. this is important because most fraud have internal support from the bank staff.

same happened to my company account with UNION BANK. have been on it, write series of letter, was advised not to get a lawyer as the case wil be passed to legal dept and might take decades. 403,600 was withdrawn in a day, even a transfer of 210,000 was made to one company on Lagos island with series of 20k withdrawn and they find it difficult to investigate. thank you all for the advice

whoever knows how to go about this issue should please for the sake of God give me a link. its happens since June up till now no response bout my case.

Orekinky, text me on 08027601655 so i can do some work on this for you. I can trace the source of this theft. Your call.

Does anyone know the rationale behind UBA charging monthly fees to access my NRN accounts. Other reputable banks have long dropped this evil. I will appreciate good comments, suggestions and ideas on how to move forward about it. Thanks.

stagger:

Got a publication on ATM card protection. Go to www.2incstore.com/atmprotect.htm

this guy sef u no dey tire with your crap ebook?

WHY DO YOU PUT ALL BLAMES ON THE BANK, HOW ABOUT THE TELECOMMUNICATIONS COMPANY? THEY BOTH WORK HAND TO HAND, THERE SYSTEM IS ALREADY PROGRAMMED AND I SEE NO REASON WHY YOU WOULD RECEIVE YOUR ALERTS LATELY EXCEPT FOR THE POOR SERVICE OF OUR TELECOMMUNICATIONS. THE BEST PERSON IN POSITION TO HELP YOU IS YOUR ACCOUNT OFFICER. TRY TO TALK TO HIM POLITELY AND YOU WILL HAVE THE BEST CUSTOMER SERVICE.

Agitator, Where in my post (which you quoted) did i about an ebook? You want to take me on? You can take you stupidity and shove it up your ass! Fool!

I am also one of the many victims of financial loss through GTB. I initially got a response that my case was being attended to and that I will soon get a response but for over one year now and despite several letters, I am yet to get a response from the bank. I agree with several other contributors that the banks are taking advantage of the lax laws. However, there must be something that we can do, I have tried reporting to several relevant agencies but not to much avail. However at a meeting where an EFCC official was present, he suggested that since EFCC does not invesitgate claims less than 5miillion naira, that people who have suffered similar loss could come together to make their claim up to/ over 5million and make a joint submission to EFCC for investigation. I wish to ask memebers of these forum who have suffered loss through GTB to come together and let us submit this claim. Any other suggestions on how best to retrieve our funds from GTB is welcome

Thats very bad

The banks are ripping us off and not paying serious attention to frauds because there is a lax government that is not holding them liable. One must think of legal options with minimal economic implications to get banks to accept laibility.