what is your experience about a bank transfer you carryout that was approved but money not received?

You make a transfer through a pos stand or your mobile banking app The transfer went successful but the receiver doesn't receive it.You send countless messages on social media and make calls to the bank customer service.Still there is no reversal.

Meanwhile,if the bank is the victim,they will call the receiver and threatened to effect an arrest if the money is not refunded.

So many customers have had their money stolen by bank managers,who will be giving different excuses until the customer forget it.Then the manager of the bank and his accomplices will share the illicit funds among themselves.
I am currently a victim.Though I am still waiting for the money to be received because the POS transfer was approved with a receipt issued to me

24 hours reversal.

The first time I ever experienced it, I went there to lodge a complain and was given 24 hours to enable them investigate the transaction and do a reversal if the transaction didn't actually go through. Immediately after 24 hours, I was credited.

Since then, I don't go there anymore whenever it happens. I just wait for 24hrs and it's done. Even my E-tops gets reversed anytime it doesn't go through and I get debited.

Simply generate the transaction id of the transaction and go with it to the beneficiary's bank to complain.

I have the pos approved receipt issued to me.Another thing is that my bank is not in my current location.I am in a rural area where there is no bank.Delta state precisely,GTB no dey here at all.

I don't know why I seem to be the odd one out. This stuff has happened to me severally and on different banks; first bank, GTbank, zenithbank and Polaris. Anytime it happens, I get a reversal without me complaining or notifying the bank. I get surprised when people say the notify the bank and it's still pending. The only time I notified the bank was in Polaris when I initiated a transfer and it shows successful but the receiver did not receive anything and thought I was pulling her legs. By the time I realised she wasn't joking which was on the second day , I wrote a letter to the bank and their reply was that the money has been reversed. When I checked my account,they were right.