₦airaland Forum

Hello Nigerians,

I am writing this to inform Nigerians and everyone of my Ordeal in the hands of Safe Haven Microfinance Bank of Nigeria. Safe Haven MFB has allowed themselves to be used by a Crypto Scammer to carry out his Crypto Scams. While others were celebrating Christmas, SafeHaven deprived me Access to my Legitimate Funds due to a Malicious report emanating from their Bank.

On the 16th of December 2025, I sold my Digital Asset USDT of $690 to a Crypto Scammer posing as a merchant on Bybit P2P Platform by name OBA1, real name Blessing Temitope Adejin and he went ahead to pay me for the Coins through his Safe Haven Microfinance Bank Account Number: 0117800030, account name: Tradepilot Technologies Limited which upon confirmation of payment, I released the asset to him and the trade was marked as completed. The next day being 17th of December, I received a message from Access Bank that my Account has been Frozen and a Post-No-Debit has been placed on my account and it's under investigation for FRAUD! I immediately called Access Bank Headquarters to seek further clarification and get the issue resolved. Access Bank informed me that the PND on my account was Due to a report sent to them by Safe Haven Microfinance Bank, they stated that the sender of the money reported it as Fraud and requested for a Refund of the money which prompted Safe Haven to ask them to put a restriction on my account and initiate a Reversal of Fund. I informed them that it was a business transaction which I have successfully concluded with the sender and I won't be authorizing any Refund to them because everything is Legitimate and not associated with any fraudulent activity. Access Bank asked me to mail proof of the business and all transactions involved and upon receipt and confirmation, they'll remove the restriction on my account. I immediately provided all proof and after a few days, Access Bank called me on the 26th of December and apologized for restricting the account and informed me that the restrictions have been removed and I could transact seamlessly. After the call, I checked my app to discover that the restriction had been truly lifted but then I couldn't find the 1 Million Naira which was for the transaction in my account. Upon contacting Access Bank and inquiring about the money, they informed me that they have forwarded all proofs I sent to them to Safe Haven Microfinance Bank which is the source of the Fraudulent Report and once they get the go-ahead from Safe Haven Microfinance Bank they'll release the money to me. I called back several days later only to be informed that despite their follow-up mail to Safe Haven that they are yet to get a response from them.

I was very angry about that and I had to reach out to the sender via Bybit only for him to inform me that he didn't make any report to his Bank and they were just acting on their own. I believed that with a pinch of salt (screenshots provided). I further probed his review page to discover there was a report of someone who he did the same thing to on the 25th of December 2025. He sent money to that person and went ahead to report it as fraud and got his account Frozen too; that was when I became sure it was his modus operandi. He has built a stellar trading reputation on Bybit and has thousands of Good reviews, what he does is he trades successfully with many and then spots new accounts to Defraud, so when you first come across his account, you wouldn't even have a reason to suspect him.

Please, if you are selling assets or Goods Online, do not accept Payment from anyone who is sending Money from Safe Haven Microfinance Bank Account because they can easily report it as fraud and the bank will Flag your transaction without Due Diligence.

More Screenshots from the second time I contacted him on the 29th of December

The Scammer's Review Page of others he has scammed

It's better they work on customers complain

Chairman,

Safe Heaven MFB is a financial institution duly regulated by the CBN.

There are Standard Operating Procedures for processing inter-bank transfers, and for resolving disputes.

Except if the money was reversed to the suspected fraudulent person's account, while the matter us still under dispute/investigation, then I think both banks are still operating under their regulator's SOP.

I understand how frustrating this can be, having your funds placed on hold, and temporarily without trace, there might be a delay due to operational issues, and volume of complaints that are being resolved at both ends, jumping into a conclusion that the MFB is technically aiding and abetting the alleged fraudster is unprofessional, and totally uncalled for.

Let's learn to civil while expressing our grievances. If the bank's legal department decides to throw their regulator's SOP, the terms associated with processing interbank refunds, and these allegations that you're putting up on the media, into the mix... You might regret these actions of yours.

The Central Bank has a Customer Protection Department, you can escalate the matter there is your complaint isn't resolved with the agreed timeline.

Meanwhile, "an email" from Safe Heaven MFB asking Access Bank Plc to reverse a transaction that was reported as fraud, by the initiator would not be sufficient to honor such instruction. The initiator must get a court order for the transaction to be reversed.

Wetin u want us to do for this matter now

This is deeply troubling. When incidents like this repeat with the same bank and the same method, it stops looking like coincidence. Either Safe Haven MFB lacks basic due diligence processes, or there may be internal actors enabling these reversals. Both scenarios are unacceptable.
I think you can report this to regulators, CBN if possible. Someone below said VDM, i know VDM na regulator for the oppressed.

RUN AND CONTACT VDM QUICKLY

Thanks for the warning. Let me notify others in that space.
These things keep on happening because there are no consequences for criminals like this. Make a Scape goat of some of them , and everyone would comport.
But Nigeria is Nigeria.

This guy still dey operate

How is this on Frontpage?? This must be a Nairaland mod

There is a lot of people carrying out those type of fraud.

I once came across a story of an account called

Imagine what people are doing to their fellow human.

Sell your assets on a licensed crypto exchange like Busha and you wont have this problem.

You guys should be using platforms that will buy your crypto from you and your bank account will be credited directly and automatically. I no too trust all this p2p platforms.

Bybit P2P is filled with scammers. They are charge back scammers aided by various Banks. So sad many Nigerians trend on scams to eat.

This is the second case in 2 weeks. Same micro finance bank, same person, same access bank but different victims. From access to safe haven to the so called merchant, all working together. It's a new format. They are all thieves. They don't care about their reputation but about few 100s of thousands they will gain.

Contact me bro

I will help you draft a legal letter to safe haven for your money to be released

Or face the legal consequences of a law suit

I have worked on a similar case like this you need a sound lawyer to help you

Also I work for Scott Iguma

I drafted all the 300 petitions against PWAN GROUP OF COMPANIES
https://petitionwebsite.onrender.com/


We can help you drag safe haven online mercilessly

Either one works like fire

+2347077513836

Regards

that same guy will be feeling invincible till small finger touch him spine

@Op take up this issue with VDM or the police on Twitter, you're likely to get help there than on nairaland. The comments above should give you heads up on the kind of users on this space

Its not a difficult thing, just involve your lawyer to charge the said oba, bybit, safe haven and access Bank, they will refund your money and punish the guy severely

That is why it is good to have trade with people that you have traded with before..

Nawa oh
This year go too long ohhhhh

You have posted this before naah, it was even on front page

LivingEarthMan:
You guys should be using platforms that will buy your crypto from you and your bank account will be created directly and automatically. I no too trust all this p2p platforms.

High rate be the problem. Many of them don't like traing with those platforms because their rate is low and ultimately end up being scammed.

1M in this Tinubu s economy? It won't be funny.

I would have said take the matter to the police and get a court order restricting the scammers account, but since its crypto, police go wan open office for your head. That same temitope has scammed someone i know of for 200usdt. However the guy na injus so he contacted his "brother" who's a police officer, they used one of their device to trace his location with is phone number. If you have a police officer friend they can do same for you

shotkata1:
Hello Nigerians,

I am writing this to inform Nigerians and everyone of my Ordeal in the hands of Safe Haven Microfinance Bank of Nigeria. Safe Haven MFB has allowed themselves to be used by a Crypto Scammer to carry out his Crypto Scams. While others were celebrating Christmas, SafeHaven deprived me Access to my Legitimate Funds due to a Malicious report emanating from their Bank.

On the 16th of December 2025, I sold my Digital Asset USDT of $690 to a Crypto Scammer posing as a merchant on Bybit P2P Platform by name OBA1, real name Blessing Temitope Adejin and he went ahead to pay me for the Coins through his Safe Haven Microfinance Bank Account Number: 0117800030, account name: Tradepilot Technologies Limited which upon confirmation of payment, I released the asset to him and the trade was marked as completed. The next day being 17th of December, I received a message from Access Bank that my Account has been Frozen and a Post-No-Debit has been placed on my account and it's under investigation for FRAUD! I immediately called Access Bank Headquarters to seek further clarification and get the issue resolved. Access Bank informed me that the PND on my account was Due to a report sent to them by Safe Haven Microfinance Bank, they stated that the sender of the money reported it as Fraud and requested for a Refund of the money which prompted Safe Haven to ask them to put a restriction on my account and initiate a Reversal of Fund. I informed them that it was a business transaction which I have successfully concluded with the sender and I won't be authorizing any Refund to them because everything is Legitimate and not associated with any fraudulent activity. Access Bank asked me to mail proof of the business and all transactions involved and upon receipt and confirmation, they'll remove the restriction on my account. I immediately provided all proof and after a few days, Access Bank called me on the 26th of December and apologized for restricting the account and informed me that the restrictions have been removed and I could transact seamlessly. After the call, I checked my app to discover that the restriction had been truly lifted but then I couldn't find the 1 Million Naira which was for the transaction in my account. Upon contacting Access Bank and inquiring about the money, they informed me that they have forwarded all proofs I sent to them to Safe Haven Microfinance Bank which is the source of the Fraudulent Report and once they get the go-ahead from Safe Haven Microfinance Bank they'll release the money to me. I called back several days later only to be informed that despite their follow-up mail to Safe Haven that they are yet to get a response from them.

I was very angry about that and I had to reach out to the sender via Bybit only for him to inform me that he didn't make any report to his Bank and they were just acting on their own. I believed that with a pinch of salt (screenshots provided). I further probed his review page to discover there was a report of someone who he did the same thing to on the 25th of December 2025. He sent money to that person and went ahead to report it as fraud and got his account Frozen too; that was when I became sure it was his modus operandi. He has built a stellar trading reputation on Bybit and has thousands of Good reviews, what he does is he trades successfully with many and then spots new accounts to Defraud, so when you first come across his account, you wouldn't even have a reason to suspect him.

Please, if you are selling assets or Goods Online, do not accept Payment from anyone who is sending Money from Safe Haven Microfinance Bank Account because they can easily report it as fraud and the bank will Flag your transaction without Due Diligence.

Hire a lawyer to recover your money for you

This guy is a real ogbologbo jaguda baba ole. It’s hard to transact business with people online nowadays. Nowhere is safe. Bybit and scammers are like gumbody, 5 and 6🧐😌

By the way, get a lawyer and make sure you fight this to finish. The guy will be picked up from his location.

lakefist:
High rate be the problem. Many of them don't like traing with those platforms because their rate is low and ultimately end up being scammed.

It's better to pay the higher transaction fees and be guaranteed of getting your money without any stress than to risk being scammed simply because they are running from high charges

shotkata1:
Hello Nigerians,

I am writing this to inform Nigerians and everyone of my Ordeal in the hands of Safe Haven Microfinance Bank of Nigeria. Safe Haven MFB has allowed themselves to be used by a Crypto Scammer to carry out his Crypto Scams. While others were celebrating Christmas, SafeHaven deprived me Access to my Legitimate Funds due to a Malicious report emanating from their Bank.

On the 16th of December 2025, I sold my Digital Asset USDT of $690 to a Crypto Scammer posing as a merchant on Bybit P2P Platform by name OBA1, real name Blessing Temitope Adejin and he went ahead to pay me for the Coins through his Safe Haven Microfinance Bank Account Number: 0117800030, account name: Tradepilot Technologies Limited which upon confirmation of payment, I released the asset to him and the trade was marked as completed. The next day being 17th of December, I received a message from Access Bank that my Account has been Frozen and a Post-No-Debit has been placed on my account and it's under investigation for FRAUD! I immediately called Access Bank Headquarters to seek further clarification and get the issue resolved. Access Bank informed me that the PND on my account was Due to a report sent to them by Safe Haven Microfinance Bank, they stated that the sender of the money reported it as Fraud and requested for a Refund of the money which prompted Safe Haven to ask them to put a restriction on my account and initiate a Reversal of Fund. I informed them that it was a business transaction which I have successfully concluded with the sender and I won't be authorizing any Refund to them because everything is Legitimate and not associated with any fraudulent activity. Access Bank asked me to mail proof of the business and all transactions involved and upon receipt and confirmation, they'll remove the restriction on my account. I immediately provided all proof and after a few days, Access Bank called me on the 26th of December and apologized for restricting the account and informed me that the restrictions have been removed and I could transact seamlessly. After the call, I checked my app to discover that the restriction had been truly lifted but then I couldn't find the 1 Million Naira which was for the transaction in my account. Upon contacting Access Bank and inquiring about the money, they informed me that they have forwarded all proofs I sent to them to Safe Haven Microfinance Bank which is the source of the Fraudulent Report and once they get the go-ahead from Safe Haven Microfinance Bank they'll release the money to me. I called back several days later only to be informed that despite their follow-up mail to Safe Haven that they are yet to get a response from them.

I was very angry about that and I had to reach out to the sender via Bybit only for him to inform me that he didn't make any report to his Bank and they were just acting on their own. I believed that with a pinch of salt (screenshots provided). I further probed his review page to discover there was a report of someone who he did the same thing to on the 25th of December 2025. He sent money to that person and went ahead to report it as fraud and got his account Frozen too; that was when I became sure it was his modus operandi. He has built a stellar trading reputation on Bybit and has thousands of Good reviews, what he does is he trades successfully with many and then spots new accounts to Defraud, so when you first come across his account, you wouldn't even have a reason to suspect him.

Please, if you are selling assets or Goods Online, do not accept Payment from anyone who is sending Money from Safe Haven Microfinance Bank Account because they can easily report it as fraud and the bank will Flag your transaction without Due Diligence.

I am so sorry about that.

It's possible the culprit is actually in that bank.

I said so because I had similar experience with Paystack and there's no government agency to help Nigerians. Read my experience with Paystack at https://www.africason.com/2025/11/save-me-from-depression-and-possible.html