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Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless - Business - Nairaland

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Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Shoodboi: 3:03pm On Jun 04, 2020
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

58 Likes 4 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by angelfallz(m): 3:07pm On Jun 04, 2020
Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their lack of good customer service.

Failed transactions are one thing. I actually consider them normal. However, the poor customer service and unwillingness to quickly solve failed online transactions isn’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business of late, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?


i have the same issue of failed transaction on POS with GTBank. they told me mine would be resolved in 8 days. i am patiently waiting. their complaints email is not working, but i have filled out a dispense error form.
You can also escalate to CBN.

50 Likes 2 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Nettybrown(m): 3:12pm On Jun 04, 2020
Try fidelity

43 Likes 1 Share

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Olachase(m): 3:16pm On Jun 04, 2020
Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

bros I'm not sure you kW what I want!!! u HV rejected most of the bank we could have recommended for you
OK try any of those
owo lapo
eagle eye
ipodo.

145 Likes 7 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Shoodboi: 3:17pm On Jun 04, 2020
angelfallz:


i have the same issue of failed transaction on POS with GTBank. they told me mine would be resolved in 8 days. i am patiently waiting. their complaints email is not working, but i have filled out a dispense error form.
You can also escalate to CBN.

I don't know which is worse between GTB and WEMA. I had a similar issue with GTB and couldn't contact them.

Their contact email address doesn't go. And whoever is running their Twitter help page is clueless. That one just kept sending me images of a POS machine and what to do in case of a failed POS transaction.

29 Likes 2 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Shoodboi: 3:17pm On Jun 04, 2020
Nettybrown:
Try fidelity

Is their customer care reliable? I am very particular about this?

2 Likes

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by lilachiever(m): 3:30pm On Jun 04, 2020
Shoodboi:


Is their customer care reliable? I am very particular about this?


The only bank I can recommend is Zenith Bank.


PS: I've used FBN and they were thrash, lost 50K to their incompetency. I use GTB too, but only as a transaction account and I don't leave more than 5K in the account (never experienced a failed transaction too.

My own thing is that I'd never ever use a POS no matter what, if the POS outlet won't take transfer I'll just Waka and if I want to withdraw using ATM, I'd make sure to use my bank's ATM gangan...

185 Likes 6 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Fiisty(f): 3:35pm On Jun 04, 2020
Hmm

2 Likes 3 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Nettybrown(m): 4:26pm On Jun 04, 2020
Shoodboi:

Is their customer care reliable? I am very particular about this?
Just visit any of the branches and see for urself bro.

2 Likes 3 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Goalnaldo(m): 4:38pm On Jun 04, 2020
I wanted to recommend UBA but you said you have used them in the past. There was a time I was having issues I emailed them, they said I should send them my number that they will call. They did call and the issue was resolved. They customer care service are trying.

60 Likes 3 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by yesloaded: 4:44pm On Jun 04, 2020
Goalnaldo:
I wanted to recommend UBA but you said you have used them in the past. There was a time I was having issues I emailed them, they said I should send them my number that they will call. They did call and the issue was resolved. They customer care service are trying.

UBA online customer care is ok but they can descut money like tomorrow no dey

22 Likes 2 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Shoodboi: 5:23pm On Jun 04, 2020
yesloaded:


UBA online customer care is ok but they can descut money like tomorrow no dey

Goalnaldo:
I wanted to recommend UBA but you said you have used them in the past. There was a time I was having issues I emailed them, they said I should send them my number that they will call. They did call and the issue was resolved. They customer care service are trying.

UBA is not a bank. I have an account there but my ATM has expired. I don't use the account anymore anyway. They were fond of illegally deducting my money back then. They made some funny withdrawals every week or so. Very terrible bank. I still use their AfriCard though, not because I want to but because I have no choice.

27 Likes 3 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Shoodboi: 5:25pm On Jun 04, 2020
Olachase:
bros I'm not sure you kW what I want!!! u HV rejected most of the bank we could have recommended for you
OK try any of those
owo lapo
eagle eye
ipodo.

Do you know what Ibadan women call LAPO?

Gbomu sori lantern (Putting your breast on a lantern). The worst mistake a businesswoman can make is to borrow money from LAPO. It will end in tears. cheesy cheesy cheesy

115 Likes 8 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Shoodboi: 5:26pm On Jun 04, 2020
lilachiever:
The only bank I can recommend is Zenith Bank.
Nettybrown:
Just visit any of the branches and see for urself bro.

Thanks a lot. I will look into Fidelity and Zenith bank.

5 Likes 1 Share

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by SILVERLINES: 9:07am On Jun 05, 2020
cheesy
Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Roon9(m): 9:09am On Jun 05, 2020
Baba just put your money inside pot since all the banks are nonsense undecided

23 Likes 1 Share

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Adebaba1(m): 9:10am On Jun 05, 2020
FCMB is not bad tho, you can try them

17 Likes

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by femmyapson(m): 9:10am On Jun 05, 2020
Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

Bro in this case..
OPAY account is the best solution for you.
No kululu No Kalala.
All you will be doing is just transfer to the POS outlet acc no and receive your cash.
No card maintenance fee palaba.. No debit/credit alert service fee..#0 transfer charges to all bank.
Download their App on playstore to get started

13 Likes 1 Share

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by crazygod(m): 9:10am On Jun 05, 2020
Yo bro..... Since you've decided to carry cash now, can you kindly post your first name, just a faint pic and your nearest bus stop? wink

15 Likes 1 Share

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by fineboynl(m): 9:10am On Jun 05, 2020
wema alart card is rubbish. I have one I'm not using. it never work on ATM or pos.

although the account is useful. as I only use it online with paystack online pay. and also the alat online banking platform works well.

only that the ATM card is useless.

2 Likes

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by wafianski(m): 9:11am On Jun 05, 2020
Polaris bank is ok and their mobile customer care is always 24/7 available

4 Likes

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by DuBLINGreenb(m): 9:11am On Jun 05, 2020
THE STORY IN BRIEF

Goes on to write the history of the world

Oga why the fook you lying

10 Likes

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by mhizv(f): 9:11am On Jun 05, 2020
Nettybrown:
Try fidelity


Fidelity!? That bleeped up bank?

They still owe me 10k since last yr! And a failed transfer of 7k this year!

They keep posting me! Next 7 days ! Next 7 days.

They only paid back a recent failed transaction,after I told them I had sent an email to CBN...cos they'd pay double if CBN confirms the failed transaction,and a delay In refund from them.

47 Likes 2 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Apologize(m): 9:11am On Jun 05, 2020
All these complains we Firstbank users can't relate to it. Lol

14 Likes 2 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Wawelexy: 9:12am On Jun 05, 2020
You don't want this....

You don't want that.....

Oga go buy 100 kolo...

12 Likes 2 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by Organicist95(f): 9:12am On Jun 05, 2020
Zenith bank

7 Likes 2 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by crackhouse(m): 9:12am On Jun 05, 2020
Grieving customer.

1 Like

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by superjaks(m): 9:12am On Jun 05, 2020
Chat ALAT Wema on twitter, they are very effective. I don't have issues with them at all

8 Likes 1 Share

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by GuestLog: 9:13am On Jun 05, 2020
It was WAR for me to reverse a failed POS transaction from UBA to First Bank. I consider both banks as thieves and fraudulent in nature and charges.

My best experience has been STANBIC BANK. I have never had a reason to call their customer service or know anyone who has complaints beyond what they expect from service. I transact 4-6 times daily and have no complaints whatsoever.

20 Likes 2 Shares

Re: Why I Broke My WEMA Alat ATM Card And Stopped Going Cashless by crackhouse(m): 9:13am On Jun 05, 2020
Organicist95:
Zenith bank
na zenith bank u want use secure space?

2 Likes

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