MasterJayJay:

Do not mind the stubborn ignorant sales boy. Which intelligent person uses 'transaction succesful' for his business?
Last year. I bought new plasma tv through transfer. The seller waited for few minutes for alert to drop before giving me the product.
This year, I have bought gas and petrol with bank transfer and the outlets had to confirm via sms bank alerts or bank app before they gave me the product.

no mind am, omo ase

respect80:
Sometimes I wonder if our society prioritize the idea of curbing digital and financial crime or they actually create an enabling environment to abet such crimes.
Amidst this naira scarcity which still persist to some extent in various areas, it will be an understatement to say that our banking system failed woefully if we're to judge by their performance throughout the naira crisis till date.
I wish to bring to everyone's attention that the United Bank for Africa (UBA) is more of a criminal organization that one has to be careful with while dealing with their customers because there's a high chance of one getting into trouble due to the lapses from their back-end.
UBA bank is one of the banks which a successful mobile transfer from their customers can easily be reversed to the customer after business has been transacted and the customer is gone.

My experience
I was at our shop when a customer came in to make some purchase of goods to the tone of almost 200,000. He tried to pay with card but the machine couldn't read his card so we opted for the option of transfer which he did using the UBA mobile App in his phone. I saw him did the transaction and he it was successful. I waited for the alert to drop after a few minutes but it didn't. I now asked him to share the receipt of the transaction with me but he suggested I should just snap it from his screen since his colleagues were already calling on him which I did. I snapped the receipt containing the transaction reference, sender's name, recipient account number and bank, name of sender and date then we exchanged contact which I dialed the number to be sure that the number was active and inside his phone. After checking my account with my first mobile app severally and not seeing the money, I now decided to send 1,000 naira from my OPAY account to my First bank account to see if that will trigger both alert to drop but still, I also didn't get the alert for the 1,000 I did so I symply assumed First bank was probably having credit alerts issues so I was calm and didn't bother to disturb him only for me to hear my phone ringing and it was the customer calling, I picked the call and he told me that the money had been reversed to him and that boosted my confidence somehow so I imagined he couldn't have been a fraudster then I asked if I should send another account number and he agreed then I sent my fidelity bank account. Then I started calling him to confirm if he had received the message but he didn't pick. I kept calling at intervals for six times and later sent him a text then he called me back telling me that he had seen the account I sent that his mobile app was just having network issues that I shouldn't worry.
Then when we were about to close, I decided to ask him about it again but his line was no longer reachable and his call was already forwarded to a non existence number. Till this moment, I haven't been able reach the customer neither did he call me.
Thanks to UBA bank who will reverse a successful mobile transfer to their customer after business must have been transacted.
If I hadn't had this experience with my kid sister who owns a UBA bank and did a 10k transfer to me which showed successful and she was debited but which was later reversed to her, I would have assumed that the customer must have used a cloned mobile app to defraud me but no, that is how UBA operates. They can reverse a money transfer to their customers after it shows successful with transaction receipt generated.
I'm just down right now, don't know what to do cos I don't have such amount of money to repay my boss.

You have all the details of the transaction, please visit the nearest UBA branch to formally lodge a complaint, the issue will be investigated and if found to be true, a lien can be placed on the customer's account. Hopefully, he hasn't withdrawn the funds and gone incommunicado.

Yoighaman:


You have all the details of the transaction, please visit the nearest UBA branch to formally lodge a complaint, the issue will be investigated and if found to be true, a lien can be placed on the customer's account. Hopefully, he hasn't withdrawn the funds and gone incommunicado.

Ok sir. Thank you very much