Xmen149:
i have heard that transactions made over pos are not traceable (according to banks). the latest now is they kidnap someone and use their atm card to do transfere via pos and thats all,.

is this traceable pls i have alot of friends who are victims but their banks let them down and they allowed the case fly

vickzie:
what if the money had been withdrawn before the op made the complaint?

Festy4u:

Lastly, I called them from the bank and told. Them that was the last time I was going to talk to them in the issue that I will get a lawyer, told the Lady that picked the call to tell the management about my development, I actually got a lawyer but before the lawyer could write, I received my money back on Thursday hot afternoon via an alert...






Wow, @OP,...your story truly appeals to me cos I suffered similar faith in April, 2015 when about N600,000.00 was debited from my account. I was stunned! But I took a different approach as I involved the police and got info on how the money was transferred to Union bank. I got the phone number off the account and search for it on Whatsapp and found out that the user as been dormant for some while. I keep on checking until one day, after about a month or two, the guy finally appeared with an update on its Whatsapp page. I later found out that he was in one of the eastern state as the transfer supposed same. He later put picture id on its wall. I took the pic off his wall. He continually does change his profile pic until a time he gave an update of going back home to a SW state, which happens to be a state that his more easy to track people. I quickly put a girl on him so as to befriend him and get to monitor his move. I contacted some police on phone and sent them his pic and told them that I have put a girl on him. The girl chatted with him for a while and he later fell in love with her. I told her to convinced him that he wanted them to meet up of which he agreed and he later arranged a place of meeting. I told the police and they got mobilised and moved to the point of their intended meeting. The girl was talking with him on the phone and informing him of her arrival at the spot unknowing to him that it was the police officers that were at the spot. Only for him to appear at the spot dressed accordingly the way he told her he was dressed and was apprehended by the police. I had to travel to the SW state to pick him up and brought him down to the SS. We later settled after he was thoroughly beaten by the police. I have retrieved my money off the agreement we had. The remainder of money left should be the once I spent in mobilising the police and other expenses spent. It wasn't a good experience I must confess!!!

Emmybreezy:
please I need to talk to you about this I was been scammed on Friday of #49k please your guideline will be needed to get my money back from this fraudulent act...I have been having sleepless night just because of this my number is 08168974454

1wolex85:
You just exposed the email address of the cbn staff

jeron1:


The money was transferred by them

Emmybreezy:
please give me your advice I'm a recent victim of this just Friday here of 49k should I get a lawyer before going on Tuesday..?

kindredspirit:
It's still a headscratcher to me how thieves can steal money from someone's account using just their BVN. Is the BVN now a password or PIN that is used to complete mobile transfers or USSD transactions ?

The only transaction that one can execute without a PIN, as far as I know, is buying airtime on THE NUMBER REGISTERED on your bank account. For example GTB : *737*1000# will credit you straight away with #1000 worth of airtime on your number that is tied to your Bank account. To even buy airtime for 2nd party phone numbers, you will be required to type in your 4-digit PIN to complete the transaction.

eleojo23:


How did it happen if I may ask?

jeron1:

3. I wrote a petition/Complain to the "Banking Supervision Department" and "Customer Protection Department" of Central bank of Nigeria, Lagos Branch. The office is at the 11th floor of the building. Most of the workers don't know, some told me 8th floor, some said 5th floor. I had to walk that building up and down more than 6times that day before I could get the right office cos the access cards for the floors are different and I have to come down to take new access card for the

madridguy:
He has not done any harm to the CBN staff. She is a public servant and moreover that is her office mail and not personal email address.

1wolex85:


Lol, have you heard about spamming and phishing? With your argument, they should simply publish the email addresses of all their staff.

jeron1:
Dec 16th, 2017. A day I can NEVER forget hurriedly in my life. Got to shoprite Surulere, bought something's and made payment via POS. I didn't get SMS transaction Alert as my phone was stolen two days before.

Drove down to Lawanson (same place my phone was stolen) to make some transaction and found out that some money was missing from my account, . I immediately went beside my car, told my coworkers with me about the info, asked d amount and I calculated and gave them d figure, Three Hundred and Ninety Nine thousand, Four hundred and sixty Naira was missing (399,460).

I called my bank through the Number written on the back of the ATM card and they verified the transaction, I was a Victim of Sim card BVN fraud, first ever of Its kind in Nigeria .

Then I told them to Freeze the account with immediate effect.

I realise many people had also one time or the other gone through this kind of experience but they never got their money back as they didn't know the process to take on how to get their money back from Fraud that occurred on their account either via ATM, Online or any other platform

Here is what I did to get my money back as I it was a transaction I didn't authorised


1. I didn't keep quiet, I told a lot of people about the update. I wasn't ashame, I even posted on my timeline on Facebook. I wasn't looking for pity but to notify people about the new fraud in town and also seek for advice. I knew 90% of people won't even care as they will even laugh but that 10% of people that cared will give me solution and truly it worked.
One of the guys I told gave me the option that started the solution and that option was to write a letter to Central Bank of Nigeria, Lagos office

2. I immediately sent a mail to my bank, telling them about the debit that occurred on my account and it wasn't from me. The bank replied telling me they will investigate, I had to put a lot of pressure on them because these bank people can be very funny, they will tell you they are working on it but that's a lie

3. I wrote a petition/Complain to the "Banking Supervision Department" and "Customer Protection Department" of Central bank of Nigeria, Lagos Branch. The office is at the 11th floor of the building. Most of the workers don't know, some told me 8th floor, some said 5th floor. I had to walk that building up and down more than 6times that day before I could get the right office cos the access cards for the floors are different and I have to come down to take new access card for the different floor



Ps- make sure a copy with you is acknowledged, also provide your Email address and Phone number on the letter as they will reach you through the platform provided and tell you to negotiate with your bank and if no progress after 30 working days then write them again via the e-mail they used in communicating with you. I will provide screen shot of the mail they sent but I am trying as much as possible not to mention the bank. I never knew many Organisation in Nigeria work if I had not gone through it.

I was actually told at CBN that it will take time but I will surely get my money back that the CBN mandated banks to known your Customer (KYC) so since the money was transferred to Access bank then Access bank need to produce their customer

4. I wrote an official letter also to my branch bank Manager, informing him about the fraud on the account and telling him how it has really affected me. I Also made sure that a copy of the letter was acknowledged.

I knew it wasn't going to be an easy fight as the bank would want to put the blame on me but I was ready for them.

I was always sending them mail, calls via the telephones at any bank branch. I gave them heat and after 30 working days I sent a mail back to CBN telling them the bank is frustrating me and they are yet to refund my money and I didn't want to go to court because the matter was before the APEX bank. I didn't receive any reply from them

I went to a branch and also shouted and told them I want to see the branch manager which I saw her and also made my complain and she decided to also send a mail to the fraud unit.

Sorry to say, I received a call from the fraud unit after I wrote a petition to CBN and CBN queried them telling me how my money was transferred and giving me the account number and bank the money was transferred to, they also gave me the address of the person that owns the account but I refused to follow up as I told them that wasn't my work that they should do it.

Lastly, I called them from the bank and told. Them that was the last time I was going to talk to them in the issue that I will get a lawyer, told the Lady that picked the call to tell the management about my development, I actually got a lawyer but before the lawyer could write, I received my money back on Thursday hot afternoon via an alert...

mixter:
Maybe one of the many ways to curb this is for banks to integrate their systems so as to allow finger prints or eye sensors as passwords as a means of making any form of transactions from phones, ATM systems or any form of transaction. Just a thought. If only we have a working government, the public should be enlightened .
Just a thought.

Emmybreezy:
please give me your advice I'm a recent victim of this just Friday here of 49k should I get a lawyer before going on Tuesday..?

Izabel:
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Izabel:
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jeron1:
Dec 16th, 2017. A day I can NEVER forget hurriedly in my life. Got to shoprite Surulere, bought something's and made payment via POS. I didn't get SMS transaction Alert as my phone was stolen two days before.

Drove down to Lawanson (same place my phone was stolen) to make some transaction and found out that some money was missing from my account, . I immediately went beside my car, told my coworkers with me about the info, asked d amount and I calculated and gave them d figure, Three Hundred and Ninety Nine thousand, Four hundred and sixty Naira was missing (399,460).

I called my bank through the Number written on the back of the ATM card and they verified the transaction, I was a Victim of Sim card BVN fraud, first ever of Its kind in Nigeria .

Then I told them to Freeze the account with immediate effect.

I realise many people had also one time or the other gone through this kind of experience but they never got their money back as they didn't know the process to take on how to get their money back from Fraud that occurred on their account either via ATM, Online or any other platform

Here is what I did to get my money back as I it was a transaction I didn't authorised


1. I didn't keep quiet, I told a lot of people about the update. I wasn't ashame, I even posted on my timeline on Facebook. I wasn't looking for pity but to notify people about the new fraud in town and also seek for advice. I knew 90% of people won't even care as they will even laugh but that 10% of people that cared will give me solution and truly it worked.
One of the guys I told gave me the option that started the solution and that option was to write a letter to Central Bank of Nigeria, Lagos office

2. I immediately sent a mail to my bank, telling them about the debit that occurred on my account and it wasn't from me. The bank replied telling me they will investigate, I had to put a lot of pressure on them because these bank people can be very funny, they will tell you they are working on it but that's a lie

3. I wrote a petition/Complain to the "Banking Supervision Department" and "Customer Protection Department" of Central bank of Nigeria, Lagos Branch. The office is at the 11th floor of the building. Most of the workers don't know, some told me 8th floor, some said 5th floor. I had to walk that building up and down more than 6times that day before I could get the right office cos the access cards for the floors are different and I have to come down to take new access card for the different floor



Ps- make sure a copy with you is acknowledged, also provide your Email address and Phone number on the letter as they will reach you through the platform provided and tell you to negotiate with your bank and if no progress after 30 working days then write them again via the e-mail they used in communicating with you. I will provide screen shot of the mail they sent but I am trying as much as possible not to mention the bank. I never knew many Organisation in Nigeria work if I had not gone through it.

I was actually told at CBN that it will take time but I will surely get my money back that the CBN mandated banks to known your Customer (KYC) so since the money was transferred to Access bank then Access bank need to produce their customer

4. I wrote an official letter also to my branch bank Manager, informing him about the fraud on the account and telling him how it has really affected me. I Also made sure that a copy of the letter was acknowledged.

I knew it wasn't going to be an easy fight as the bank would want to put the blame on me but I was ready for them.

I was always sending them mail, calls via the telephones at any bank branch. I gave them heat and after 30 working days I sent a mail back to CBN telling them the bank is frustrating me and they are yet to refund my money and I didn't want to go to court because the matter was before the APEX bank. I didn't receive any reply from them

I went to a branch and also shouted and told them I want to see the branch manager which I saw her and also made my complain and she decided to also send a mail to the fraud unit.

Sorry to say, I received a call from the fraud unit after I wrote a petition to CBN and CBN queried them telling me how my money was transferred and giving me the account number and bank the money was transferred to, they also gave me the address of the person that owns the account but I refused to follow up as I told them that wasn't my work that they should do it.

Lastly, I called them from the bank and told. Them that was the last time I was going to talk to them in the issue that I will get a lawyer, told the Lady that picked the call to tell the management about my development, I actually got a lawyer but before the lawyer could write, I received my money back on Thursday hot afternoon via an alert...

aieromon:
Can someone kindly explain how an outsider can assess someones funds using BVN and account number

Tinyemeka:


Uhmmm... True to an extent.

Some recipients may also be aware that something fishy has transpired in the transaction that resulted in an inflow to their account, but would still play along because of expectations of gratification. Not all are innocent.

P.S. The Access bank recipient is a female.