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Jef4u's Posts

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BusinessRe: Forex Thread Alert/ Discussion Season 26. by Jef4u: 4:48pm On Jul 01
leocollins:
Please oh, that group is for real traders who are trading funded account,no be for demo boys abeg.. thank you, God bless you.
Why are you rushing? You supposed to give 2 months for demo then 2 months free funded account then you can start vip from there
FamilyRe: Ever Since I Got Married To My Husband 5 Months Ago, I Noticed Something Strâñğè by Jef4u: 8:58pm On Jun 08
muyico:
Ever since I got married to my husband 5 months ago, I noticed something strâñğè 😩

Anytime we want to spend time together as husband and wife, he will first go to the bathroom and stay there for some minutes

I first thought maybe he just wanted to ease himself, so I didn’t think much about it.

But yesterday, while washing the bathroom, I saw a tiny pack hidden beside the soap dish

When I opened it, I saw this med inside 🤦🏼‍♀️

Now I’m confused 😩

Please, what is this med used for?
Is he hiding an iľłñêşş guy from me or am I just overthinking? 😭

And why keep it hidden in the bathroom?

https://www.facebook.com/share/p/1D4wA2rXyJ/
Na family planning drugs be dat grin
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 3:48pm On Jun 08
mindtricks:
Happy for you bro.
Thank you - it is not easy beacause the responses from GTBank were very discouraging, just like my money has lost
BusinessRe: CBN's Master Plan To Fix POS, ATM & Online Transfer Failures by Jef4u: 2:31pm On Jun 07
OlujobaSamuel:
I reported a transaction to CPD but there was no response
My bank was just doing back and forth over the case.
Please Check this
https://www.nairaland.com/8683044/gtbank-firstbank-playing-games-50000

Follow up agreesively you will get your money back
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 12:03pm On Jun 04
(FINAL UPDATE: SUCCESS!) ₦50,000 Credit Alert Received! The Complete Truth, Agent Incompetence Exposed & The Solution For Nigerian Banks

AN IMMENSE THANK YOU TO NAIRALAND!

I want to express my deepest appreciation to every single member of this community who commented, shared, and tagged the banks.
A special, massive thank you to the Section Moderators for pushing this thread to the Front Page. Your intervention generated over 6,678 views and nearly 82 comments, completely breaking the institutional silence and forcing a rapid resolution. Without this community, I would still be stranded today.

THE TIMELINE: WHAT ACTUALLY TRANSPIRED

The central national ledger records confirm the absolute truth of what happened to my money:

• May 25, 2026: I transferred ₦50,000 from First Bank to GTBank. First Bank debited me instantly, but no credit alert arrived.

• The System Glitch: A major infrastructure glitch hit the NIBSS (Nigeria Interbank Settlement System) central network switch, trapping my transaction in transit with a "BLANK STATUS."

• The Runaround: First Bank claimed the transfer was successful but their system closed my ticket as "Resolved" just for sending an informational email. GTBank generated an inward credit tracking number, but a different department sent an email a day later claiming "No Evidence" of the money.

• The Climax: After the Nairaland thread went viral, First Bank's central dispute desk launched a manual network trace while GTBank merged my accounts under high-priority ticketing deadlines.

• The Resolution: The official NIBSS database log (sent by first bank today) explicitly shows a successful Settlement. GTBank had the money in their server infrastructure all along. Faced with viral exposure, regulatory CBN reporting, and the unalterable NIBSS log proof, GTBank manually cleared the blank status flag and credited my account before the close of business.

THE PROBLEM: CRITICAL AGENT INCOMPETENCE

This nightmare exposed a severe lack of training and meticulousness among frontline banking staff:

• Lazy Dashboard Checking: When an agent opens your account and says "there is no evidence of funds," they are only looking at your basic transaction history. They completely fail to look at deeper backend server gates where unapplied funds sit stuck.

• Contradictory Tickets: One agent can acknowledge a problem and create a ticket, while another agent lazily closes it a few hours later using a standard template to clear their workspace queue.

• Fear of Scammers: The moment a customer care thread goes public, fake "Tactical Teams" slide into DMs asking users to download external apps like the GT e-Token Plus app to steal their money. True bank agents never do this, yet the banks do very little to secure their official public handles from these predators.

THE SOLUTION: HOW BANKS CAN PREVENT CUSTOMER SUFFERING

Nigerian banks must upgrade their operations to stop punishing innocent customers for network glitches:

• Automated Suspense Mapping: If a transaction generates an official NIBSS Session ID but fails to drop cleanly into a retail account due to a system freeze, the receiving bank's server should automatically flag it to an internal reconciliation queue within 2 hours, rather than waiting for customer complaints.

• Unified CRM History: Internal ticketing systems must be locked. An agent should never be allowed to issue a "No Evidence" denial if an active tracking number already exists on that exact same Session ID within their network infrastructure.

• Mandatory B2B NIBSS Tracing: Frontline staff must have immediate access to look up NIBSS response codes. If a transaction carries a success code, the bank must be mandated to manually credit the customer immediately rather than telling them to "go back to the sending bank."


Thank you once again, Nairaland. We fought corporate bureaucracy together, and we won!

Case closed.
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 11:25am On Jun 03
emmyileri:
Anytime I have bank payment issue with gtbank. I know it's a tug of war. They have designed the bank to steal customers money
I have never been in red spot like this before. I am stranded and the dribling continue
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 8:43am On Jun 03
Firstinline:
Hold that GTBank very well, That was how N50,000 was mysteriously debited from my wife's GTbank account and sent to a U.B.A acct number.
It was never resolved since a year ago. I am sure it is one of their staff. Very thiefery bank.
unbelievable things are hapening in this country. Just imagine this my problem that supposed to be solved with one or two clicks but they are busy sending me different useless emails
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 5:28am On Jun 03
CreatedtwoRule:
My brother you don sabi this people jargon finish pass to get you cash back, lo and behold Nigeria keep happening!
I am here stranded and they are just doing one touch game with me. It is very frustrating
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 8:36pm On Jun 02
tammie24:
The issue it definitely with first bank and not GTBank
As it is I dont know where my money is and when I will get it
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 7:07pm On Jun 02
LagbajaTheBEREAN:
Opay and Palmpay will not even try this shii but trust the usual brick and mortar bank in Nigeria to always drag their already battered image in the mud, ordinarily, both banks don't even need to involve the customer going back and forth before this would be resolved but trust me, Nigeria will always be Nigeria, anyhowness is a big thing here.
Our major problem in this country is that we dont punish/sanction people for incompetency/neglect of duty
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 6:07pm On Jun 02
chiboycue:
Sorry oh
Please send your official complaint against the banks to the Central Bank of Nigeria’s Consumer Protection Department at cpd@cbn.gov.ng.

Before escalating an issue to the CBN, you are required to first lodge the complaint directly with your bank and allow them a minimum of 14 days (or the stipulated regulatory timeframe) to resolve it.

When you send your email to the CBN, include the following details:

Your full name, account number, and contact details

The name and branch of the bank you are reporting

The date and channel of the transaction in question

The exact amount involved

Details of your complaint and proof that you already reported it to your bank (e.g., Complaint Reference Number, screenshots of previous emails, and receipts)
You can also copy contact@fccpc.gov.ng (Federal Competition and Consumer Protection Commission) to ensure wider oversight.
Thank you.
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 5:53pm On Jun 02
eallstar:
When we tell you people to use online banking like opay and moniepoint, you people will be shouting they don't have office up and down. The ones that have office how far?
There are occasions that needs convensional banks e.g. salary and some contract payments
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 5:08pm On Jun 02
Rutherinspace:
The glitch was not caused by FBN. Billions were trapped. FBN can confirm if the transaction was successful or not by checking their automated reconciliation or acknowledgement from the receiving bank. Most of the glitches are not from the banks. This was from the settlement system and it messes things up.
How do I get my money back on time please?
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 4:13pm On Jun 02
efeski:
If u have a lawyer friend that loves small trouble then contact him/her to write either/or both banks on your behalf (pro bono).
These fuckers need to be taught lessons.
Na so dem do me during covid era
I got debited
Transaction failed on pos terminal
Banks weren't working
I wrote emails
Spent monies on calling customer care
No level after almost 2 weeks
Had to call out gtb on Facebook and got the issue resolved within 48hrs
There supposed to be a penalty for such failure in service delivery and witholding of people's money
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 4:00pm On Jun 02
ceejay80s:
so U are home awaiting magic abi?
I had to walk into zenith bank for 2k data I subscribed that didn't go and I was debited ,
oga Waka enter bank ,
nairaland ain't Ur bank
If you go to Firstbank with any complaint you will fill form then wait for a very long time for your turn then they will ask you to come back the following week. This is if you are very lucky their network is good.
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 3:53pm On Jun 02
zinaunreal:
So you wan kpai because of 50k
Abeg dash me 50K make I rest
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 3:46pm On Jun 02
Python25to30:
To me you seem to know much about this babk transfer stuff more than their agent sef. U even still sabi their names.
Na suferness make me dey read their responses like say I dey prepare for exams. If I dont get refund by tommorow in am in red soup.
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 3:34pm On Jun 02
iscom:
the same issue is happening to me now. From first Bank to PalmPay. On the 20th of May. Go to x tag first Bank, GTB, CBN and ICPC. They have started responding to me. But no reversal yet. First Bank is just lazy. I will be sending them more messages
They supposed to be paying penalties for each day the money stay with them
BusinessRe: GTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 3:15pm On Jun 02
After posting the link of this post in X (twitter) some scammer posing as GTBank Posted their number for me to contact them. They claimed to be the Tactical Team of GTBank the numebr provided is 08061937155

BusinessGTBank And Firstbank Playing Games With My ₦50,000 by Jef4u(op): 12:24pm On Jun 02
Hello Nairalanders,

I am creating this thread to publicly call out the gross incompetence of GTBank (@gtbank) and First Bank (@FirstBankngr). I am currently completely stranded, out of cash, and cannot even afford transport fare because both banks are holding onto my money and playing games with my life.

On the 25th of May, 2026, I transferred ₦50,000 from my First Bank account to my GTBank account.

First Bank debited me instantly. After a week of crying out to both banks, First Bank customer care on X just sent me a DM confirming the transaction was successful on their end and gave me the official 30-digit NIBSS Session ID: 000016260525212658002065390897.

Here is where the wickedness from GTBank starts:
1. Over the weekend, a GTBank agent checked their deep server logs and confirmed to me on WhatsApp that they saw the transaction sitting on their server gate on a "BLANK STATUS."

2. Because they saw it, they created a formal inward dispute ticket for me with Reference ID: 260601353720618 and promised it would be credited.

3. Shockingly, this morning (Tuesday, June 2nd), another GTBank agent named Eberechi Chukwueke sent me an email (CRM:033400000396) completely contradicting the bank, claiming they have "no evidence" of the transaction and told me to go back to First Bank!

How can a bank issue a tracking reference ID for a stuck transaction on Monday, and then turn around on Tuesday to say "no evidence"?

If GTBank's server gate rejected the "blank status" transaction, it means the ₦50,000 has automatically reversed back into First Bank’s internal suspense ledger, and First Bank is lazily sitting on my money without crediting my app dashboard!

I am stuck at home, starving, and stranded. Both banks need to stop passing the buck. One of you is sitting on my ₦50,000.

Please help me tag @gtbank and @FirstBankngr handles on social media. Moderators, please move this to the Front Page to save an innocent customer from this institutional nightmare!

BusinessRe: Forex Thread Alert/ Discussion Season 26. by Jef4u: 11:58am On Mar 29
GabsonFX2:
Guys on reddit just taught me a better way to do my post on twitter, I have done that now

please, let's retweet this sh*t


https://x.com/fx_gabson41544/status/2038094394348171604?s=20[/quote]FTA members should follow this link and do the needful please
BusinessRe: Lady Leaves Salary Untouched For 4years,says She Doesn’t Actually Need The Money by Jef4u: 9:05pm On Mar 06
This is not true because your employer don't have the authority to audit your personal account
PoliticsRe: Court No Gree Issue Warrant To Carry Nnamdi Kanu Come Abuja For Appeal Records — by Jef4u: 2:04pm On Nov 27, 2025
DomPerignon:
This appeal application was filed on 11th of November and it predates his conviction on 21st.

The appeal was seeking that Justice Omotosho postpone his final ruling of the criminal case he (Kanu) was on trial for.

The Appeal has now expired since the final ruling has been passed by the court.

Kanu can only now appeal the judgement within the stipulated period of 60 days after sentencing.

And if whenever the Appeal court decides to sit on his matter (criminal appeals are treated on first come, first served basis), the Appeal court's NW zone will be sitting in Sokoto.

This could be anywhere between 2ys to 5ys.
They just want to continue on their path of victim's mentality and misleading of the public
RomanceRe: Sex Is Never Free To A Man by Jef4u: 5:36pm On Jul 16, 2025
zuby4real10:
I got married last year June ending and my wife is 7 months pregnant now. I never know that pregnancy alone comes with alot of financial demands ranging from antenatal and other medical check ups. We just came back from hospital now like play like play N73k done go within some hours. All these wahala and the baby did not yet arrive.

As a young man that is just growing up financially, anytime i think about the financial sacrifices i made since i got married, my mood will change. Now there are many things running in my mind.
1. Sex is never free for a man.
2. Sex in marriage is even more expensive for a man beacuse the money we spend daily to maintain our homes can comfortably afford sex outside change go even remain.
3. Penis is more of a liability to a man than enjoyment.
4. As a man always think twice b4 u have an errection, it do come with heavy price.
I stand to be corrected if anybody found anything i said wrong.
I truly understand where you're coming from. Your frustration is valid, and many young husbands and fathers silently go through similar emotional and financial battles. The pressure is real. However, I feel it’s important to gently correct some of the conclusions you’ve drawn — not to attack you, but to add clarity for others reading this, especially young men trying to build meaningful lives.

1. Marriage and Pregnancy Are Investments, Not Expenses
Yes, N73,000 in one day for antenatal and check-ups is tough. But you’re not “losing money” — you’re investing in your wife’s health and your unborn child’s safe arrival. Would you rather spend less and risk complications or regret later? This is what mature love and responsibility look like — protecting what matters most.

2. Sex in Marriage is NOT Transactional
Saying sex isn’t free or becomes "more expensive" in marriage misses the point. Sex in marriage is not a transaction — it’s a part of emotional intimacy, partnership, and shared life. If you’re measuring marital sex against transactional sex outside, you’ve misunderstood the foundation of marriage. You don’t just “pay” for sex — you provide for your family because it's your home, your responsibility, your legacy.

3. Your Penis is Not a Liability — Your Mindset Is
Blaming biology for the consequences of our choices isn’t the answer. Your penis isn't the problem — it's the decisions made without fully understanding their long-term implications. A man doesn't become a victim of his erection. A wise man learns to master his desires, make informed choices, and prepare for what comes next.

4. Fatherhood is a Badge of Honour, Not a Burden
The world may never fully understand the sacrifices of good fathers, but that doesn’t mean the sacrifices are in vain. Building a family is hard — emotionally, mentally, and financially — but it is also one of the most rewarding journeys a man can undertake. You’re not suffering because you’re married or expecting a child — you're growing. Growth is painful, but it's necessary.


To other young men reading this: Don’t let fear of responsibility turn you into a cynic. Plan well, delay marriage if needed, but when you do commit — commit with your full chest. It's not always rosy, but there's deep fulfillment in watching your children grow, knowing you gave them your best.

Real men don’t run from responsibility — we rise to meet it.
RomanceRe: Am A Millionaire..and Its Official!!!! by Jef4u: 6:33am On Nov 18, 2024
Congratulations on your arrival to the millionaires' den, please to try to ensure that you climb up the ladder
InvestmentRe: Crypto Currency Investors Thread by Jef4u: 12:44pm On Aug 28, 2024
Valwezzy:
You can move it to Bybit and sell it — if you want, you can just sell it to me.
Thank you, @Omobola121 has helped me out
InvestmentRe: Crypto Currency Investors Thread by Jef4u: 1:36am On Aug 28, 2024
Please I have 5usdt in my binance how did I cash it out?
BusinessRe: Forex Trade Alerts / Discussions: Season 24 by Jef4u: 4:47pm On Aug 03, 2024
Cashhy11:
You should be happy it's even $3, and not more than that. Because you'd would have blown it all the same. If you can't trade with $3 profitably, you won't trade with $3k profitably.
The funds should be seen in % and not amount. So stop trying to make money but learning how to really trade instead. The money will follow once the skills is there.
$3 is too small to allow reasonable movement of the trade. If he keep on funding you account with small funds like this he will continue to blow the money away.
CareerRe: Has Any Federal Civil Servant Received The New Minimum Wage? by Jef4u: 6:36pm On Jul 29, 2024
braveheart008:
65k
You want collect loan from person that just registered on the platform? let him use his old handle and also provide his phone number
BusinessRe: Forex Trade Alerts / Discussions: Season 24 by Jef4u: 6:24pm On Jul 22, 2024
infofirst:
Forex na scam. Prop firms are not good.

Stop wasting your time. Go home and retire from fx.
Sir, I did not get your message
InvestmentRe: Crypto Currency Investors Thread by Jef4u: 11:24am On Apr 29, 2024
Evaloyal2J:
Some people can be wicked Sha. Having received the money and knowing it was in error you transfered to his other account, he want to use the opportunity to extort. Appeal with all prove let them block his coconut head there
That is why we are supposed to cross check before approving any transaction so that you will not transfer to an account that was not given to you for the transaction at times the wrong account may be in the negative for example the case of that fellow with -28 million in the account and someone just refused to follow instructions and decided to transfer money into the account

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