Please Everyone: Help! N174,800 Was Withdrawn From My UBA Account

Hi everyone,
                   Please please N please I dont know what to do. I had N174,800 withdrawn from my U.B.A account in bits. ( Apparently it was by an ATM card) but my ATM card didnt go missing, I stay alone and I have different pins for all my 3-ATM cards.

I reported to the bank and they said I should give them 10-working days which I did and now they declined my plea. Please I dont know whom to turn to.

The mini-statement I got from the ATM machine on the 9th of August showed that money was withdrawn on the 10th of August. WHen I got to the bank on the 10th, they said all weekend transactions are dated on the first working day of the week. PLEASE HELP!!!!   
Anyone please!!

My brother, the situation you are in now is an unfortunate one but I don't think there's anything the bank can do about it.
Wonders will never cease!

I know someone who lost over a million naira frm ATM fraud.

I advise u dnt leave more than 15k in your account. Put the balance in Fixed Deposit - no matter the rate so far as you are just safeguarding your money. Collect the Phone number of your Account Officer in the branch. Call Him/Her when you are on your way to the bank to Liquidate the Fixed Deposit.

I'm telling you guys what i do.

I CAN'T STAND LOSING A KOBO - Imagine getting a debit alert of N10k when one is on Third Mainland Bridge that u just bought Plaintain Chips in Silverbird galleria of The Palms! 

Be Wise Nairalanders!
God Bless us all!
And may He save us from Fraudsters!

Use your ATM cards in the ATM machines of the bank branch your account is domiciled.

As a banker and having seen the different views, I must confess that Dynamiq's analysis is realistic and to a large extent it speaks the truth of the situation, which most of us in the sector may officially not admit. Our sister banks all record such problems in their logs but the seriousness varies from bank to bank, but banks are really working hard to make sure that it becomes a thing of the past. It will become a thing of the past in the not too distant future. Share my optimism. Shalom!

CALM DOWN!! BREATH!!! Don't worry, the same thing happened to a family member of mine. You will still get your money back. First thing you need to do is deposit 3 letters, one letter with EFCC, one letter with CBN, and one letter with your bank. Explaining everything in detail of what happened. Eventually, if they cannot catch the crook, they will still pay you your money. This has happend to my father several times and he always regained his money back. Ummmmm, but in my situation the crooks withdrew money with false checks that's why it was so easy to catch the idiots, if they used an atm with a cloned card, it might be a little more complicated.

Let us know when you get your money back.

@poster and all other NL.

Your card has been "cloned card". I read into that and discovered that what they (ATM FRAUDERS) do is stay close to you while you using your ATM card and they get to study your PIN and they need to know the bank you using the ATM card, they already know the other numbers and i guess they need the last 6 or 7 number, not too sure, so for you that print your receipt copy and drop it on the floor. Bad for you. and also with the expiring date, they have a machine that clones the card and they have a copy of that kind of card. Once the Card is Slinde though the machine, it reads all info on that card to the Cloned card and they take this to ATM machine far away from where they stay and withdrew your money. That simple. But there is only one Solution for now. Go to your bank and get the New ATM that has the "VISA" Logo on it. That can't be cloned for now cause its a SIM like form. unlike the old ones. for those of you that are still using the old Kind. Don't let people get close to you at the ATM machine and always take away your Receipt. I really wish your bank can do something about this but i am 80% sure they can't do anything.

i think uba need to work on their softwares,its really a pity that these hackers have also gotten into their sms alert stuff.i sometimes get an sms alert that their is a deposit into my account and when i get to the bank ,i get to find out that it isnt so.

Although I dont like UBA, I know that this ATM fraud is not only peculiar to them.

 

even if he compalines to the complaints desk nothing will be done and even if something is done it will take time and you must keep hounding them or else they wont even look at your comlain.

Na only baba God knows wetin happen for dat money.

well, Nigerians are very innovative people. I learnt that there are some people whose jobs now is to look for the number of the ATM Card and expiry date.
One strategy they use is that ,  they queue up behind u when you are trying to withdraw money with your ATM Card. They try to spy the last few digits of your card and the expiry so that they can clone another one. Also, if you are unlucky, they get to know your PIN no since it is just 4 digits by watching the sequence of the numbers you press on the ATM.  So, my advice is that you should never allow anyone see your card, the number and the expiration date, especially your PIN. It is really easy to clone ATM Cards.
My advice also goes to the guys that want to impress their girlfriends by giving them their ATM cards to make withdrawals. They may have some of these yahoo yahoo boys as friends and give them your card details and PIN no and your money will just disappear. So, the bank is not to blame in many of these cases.
Thirdly, there has been some phony sites coming up especially fake MTN websites. These fraudsters send you a text message saying that you have won 1million naira and that you should enter some details in their website. Of course, the text message is sent in such a way that you will believe it is from MTN since they will use the MTN ID to send you the text message. I have received such phony text messages and of course, I knew they were fake. They directed me to yellofifa.com   ,  The site opened and it was very similar to the regular mtnonline.com   ,  what was different about it was that when you click on any link, it takes you back to the home page.
Well, they asked me for some details like the winning code that was sent to me and my phone number. I put in those and they said congratulations, my number is confirmed. They also asked me for more details like my bank account so that they can pay money in. I gave them fake names and fake bank account and then, I was taken to another page again for another verification of my ATM card ,  they need my ATM no, expiry date and pin to confirm that I am real and not a fraudulent person who wants to steal another person's money ,
Anybody here in nairaland who has had a similar experience? ,  waiting for your response all ,

Well i understand your grief, and its quite sad. but if your claims are genuine, then your case can be solved quite easily. the ATM machine is equipped with devices that can trace every transaction done on it and by whom. also from your bank statements it can be revealed which ATM machines all your money was withdrawn from. so my dear, UBA can still do alot in verifing your claims and taking action vis a vis reversals. always remember that your funds/deposits are supposed to be covered by NDIC in a case of theft. Good Luck!