On 24 September 2021, I mistakenly made a bank transfer of N5,249 to my closed kuda bank account number using an app due to me forgetting to change the default bank account number on the app.
The bank transfer was successful even though the kuda bank account was closed and I could no longer access the bank account.
On the same day, I immediately contacted the app's customer care to reverse the bank transfer.
This was their reply.

"
Please note that the transaction was successfully processed and reversal isn't possible on our end.
Kindly reach out to KUDA bank for further assistance.
There is a process for reversal for a closed account, they will assist you.
"

After numerous calls with kuda bank customer service, they will either say the money is with the app or simply air me on the call.
Eventually, I noticed the kuda customer service number stopped going when I call that number on my phone number but if I use another phone number it will go through meaning they somehow blocked my phone number.

On Wednesday, September 29 2021, I took the next step which was to visit their office, they kept denying that the money is with them but I stood my ground and they eventually said that they will reverse the money to the app in a maximum of three days.
Since then they refused to reverse the money.
After waiting for many days for the bank transfer reversal, I DMed them on Instagram but they kept ignoring my messages until I started commenting under their post.

Their final reply in their Instagram Dm was this.

"
Please, reach out to the bank the money was transferred from for it to be recalled.
"
KUDA MF Bank is intent on fraudulently keeping my money.
I have spent a lot on call credit to call them and transport to go to their office.
Nairalanders how can I handle this problem so that they will reverse or refund the money to me/ the app i used to make the bank transfer.

I will provide any additional screenshots and details about the transaction if required.

Who sends money to a closed acct? Secondly, scam is the wrong word here.

Obieze34:
Who sends money to a closed acct? Secondly, scam is the wrong word here.

If you read the post, you will see that the kuda bank account was the default bank account on the app so If I want to make a withdrawal on the app, it will go to the default bank account number.
After requesting for my kuda bank account to be closed on September 8 2021, the account was closed but I forgot to change the default bank account for withdrawal on the app.
I hope this has clarified the matter for you.

Which app be that

It's just 5k oga.

Kids microfinance bank didn't scam you.Rathet you are a scammer.why would you send money to a closed account.?

Even if you did it in error count it as lose.

A closed account is a closed account it doesn't exist

weather you like it or not, if what the OP posted above is true then Kuda is fraudulent, in the first place money shouldn't enter a closed account again, even if it did it should bounce back to the sender.

I am using Kuda too but I dont trust their service, they look outdated and slow.

I am sorry bro, keep trying they may respond to you.

my advice use SCB or Carbon instead.

Emperoo:
weather you like it or not, if what the OP posted above is true then Kuda is fraudulent, in the first place money shouldn't enter a closed account again, even if it did it should bounce back to the sender.

I am using Kuda too but I dont trust their service, they look outdated and slow.

I am sorry bro, keep trying they may respond to you.

my advice use SCB or Carbon instead.

There are powerful banks like gtb,zenith and Standard chartered banks why do you guys like kuda...what is so special about it.a bank that don't have office except in Lagos.

It seems it is for fraud ,as in when you guys get paid and the person realize he is scammed he will not know how to access kuda

Does it mean you have two Kuda accounts or what?

emmykk:


There are powerful banks like gtb,zenith and Standard chartered banks why do you guys like kuda...what is so special about it.a bank that don't have office except in Lagos.

It seems it is for fraud ,as in when you guys get paid and the person realize he is scammed he will not know how to access kuda

There are so many things you can easily use the Kuda app for, but this days I dont trust them.

Emperoo:


There are so many things you can easily use the Kuda app for, but this days I dont trust them.

Please what can you use it for because at my pos sport people come to make transfer with it.and I am like what is this

emmykk:


Please what can you use it for because at my pos sport people come to make transfer with it.and I am like what is this

You can invest, pay Bills, save, borrow, etc

emmykk:
Kids microfinance bank didn't scam you.Rathet you are a scammer.why would you send money to a closed account.?

Even if you did it in error count it as lose.

A closed account is a closed account it doesn't exist

It's obvious you don't use your thinking faculties.

This is hilarious, how can kuda scam you because of 5k, bros your transaction is not pure, where did you withdraw from?