₦airaland Forum

franchasng:
What a shame, they deserve to be court martialed followed by execution and not jailed

U don high ni
Execution ko execution ni na executive order
For ordinary Yahoo

The power of dick
Female like this are dauntless
They can attack the future on like mummy GO

madridguy:
They're not Warri youth but the same miscreants that protested against the Chinese recently.

Shut up
I was there I just enter agbarho now

Where did buhari yaraduwa die?
If obj die tomorrow I can bet my balls na yanki
A country day can't use its own med

Jerry himself better than all Nigeria military head of state and present president

This case highlights a major vulnerability in digital banking and security: someone loses a phone (even one without the bank app installed), and fraudsters manage to pull off an unauthorized loan using USSD codes, web channels, or compromised security layers.

When a commercial bank acknowledges that a crime or security breach occurred on an account but refuses to clear the fraudulent debt, the burden unfairly falls on an ordinary citizen—in this instance, a youth corper whose monthly allowance cannot match corporate legal muscle.

---

### Who Should Help Out in This Case?

Since the bank has hit a brick wall and offered only "empathy" instead of a technical reversal, several bodies and entities are mandated or positioned to intervene:

1. **The Federal Competition and Consumer Protection Commission (FCCPC):**
They protect Nigerian consumers from unfair, exploitative, or oppressive business practices by corporate bodies, including anti-consumer banking operations.
2. **The Central Bank of Nigeria (CBN) Consumer Protection Department:**
Banks are strictly regulated by the CBN. If a bank acts unethically or fails to secure customer accounts against known digital fraud vectors, the CBN can compel them to investigate and reverse fraudulent liabilities.
3. **The Nigeria Police Force – National Cybercrime Centre (NPF-NCC):**
Since the loan was secured fraudulently by an "unknown entity" leveraging a stolen/missing device, it is a cybercrime/identity theft case. The cybercrime unit has the mandate to trace digital footprints, device IDs, and destination accounts where the loan money was moved.
4. **Public Advocacy & Investigative Media:**
Platforms like *Foundation for Investigative Journalism (FIJ)* (who broke this specific story) or public social media outrage often force major corporations to act when regular customer service channels ignore victims.
5. **Legal Aid or Pro Bono Human Rights Lawyers:**
Civil rights lawyers or organizations that take up public interest litigation can sue the bank for damages, unlawful account harassment, and defamation of credit character.

---

### How Should One Report to Get Help?

If you or anyone you know ever finds themselves in this kind of nightmare scenario where a bank saddles you with a fake loan, here is the exact step-by-step process to get institutional help:

#### Step 1: Document Every Single Piece of Evidence

* Keep copies of the police report obtained when the phone/item was originally lost.
* Keep the formal affidavit stating the date of the loss.
* Save all text messages, email correspondence, and ticket numbers from your complaints to the bank.
* Print out your bank statement highlighting the exact minute the unauthorized loan entered and left your account.

#### Step 2: Escalate Directly to the CBN (The Most Effective Regulatory Route)

Do not just stop at the bank branch customer care desk.

* Send a formal complaint email to the **CBN Consumer Protection Department** via `cpd@cbn.gov.ng`.
* Attach your evidence: the police report, affidavit, letters written to the bank, and proof that the bank acknowledged the fraud.
* By CBN regulation, banks must resolve complaints within a stipulated timeframe, and escalations to the CBN usually panic bank compliance units into acting.

#### Step 3: File a Petition to the FCCPC

* You can file an online consumer complaint via the [FCCPC Complains Portal](https://fccpc.gov.ng/) or visit their office. Outline how the bank's security failure exposed you to fraud and how they are attempting to force you to pay for a crime they admitted happened.

#### Step 4: Engage Cybercrime Law Enforcement

* Report the specific account numbers where the fraudsters transferred the loan money immediately. Write a formal petition to the **Nigeria Police Cybercrime Unit** so they can track the BVN and phone numbers tied to the destination accounts.

#### Step 5: Leverage Public Pressure

* As seen in recent trends, sharing these systemic failures with investigative platforms or tagging regulatory handles (CBN, FCCPC) on social media heavily damages a bank's public relations risk appetite, often forcing them to quietly clear the slate to avoid bad press.




Go to police station
U must pay money first before then go answer u properly,

omoredia:
If u need help go to law enforcement. Nigerians should know how things are done. Bank is not in the business of help its ur govt that should do that.

Which one police or what

Many people dey shout like say Dem go really kill them
All of them have 90 days, to appeal to supreme court and there will be a free lawyer to do that,
Many Nigeria governor dey fear to sign death stuff because of religions, political and human rights pressure
I trust oshomole

Try travel u go Hond-da-stand wetin tinubu do man pikin
A bottle of shoes Heineken is 1$
I don retire the monkey tail

In heaven there is no bear that why we drink it here
But the.....if na SA Dem go say.......

Salmonella no fit survive 100 °C boiling water at all! That story say Salmonella dey stay inside rice when you boil egg and rice together, na big lie and misconception.

Make I break am down for una:

1. Why the Egg and Rice Story Na Lie (Plus the Real Danger)
Salmonella dey die sharp sharp: Salmonella na weak bacteria when e come to heat. Once water reach 74 °C, e dey die in seconds. Talk less of 100 °C boiling water!

Where problem fit come from: If you pack dirty raw egg (wey get fowl shit or dirt for body) throw inside rice, you don drop dirt inside wetin you wan eat. Also, if the water no boil everywhere reach the middle well well, cool spots fit leave some dirt behind.

The real thief inside Rice (Bacillus cereus): If person chop rice come dey purge or vomite, no be Salmonella cause am! Rice get its own special bacteria called Bacillus cereus.

2. Micro-organisms Dey Survive Hot Boiling Heat (100 °C)?
YES, some fit survive, but no be Salmonella!

Two main types of small organisms fit survive boiling water:

A. Spores (The Real Rice Problem)
Some bacteria dey form hard, armor-like shell (spores) around themselves when heat high.

Bacillus cereus (Rice): Boiling at 100 °C fit kill the main bacteria, but e no fit kill the spores. If you boil rice finish, come leave am for parlor make e cold on top table for hours, those spores go wake up, begin multiply, and produce poison wey go make person vomite.

Clostridium botulinum: Their spores fit stay inside 100 °C boiling water for hours without dying. Na why dem dey use special pressure cooker (121 °C) destroy am for food factories.

B. Hyperthermophiles (Extremophiles)
These ones na special bacteria/archaea wey dey live inside natural hot springs and volcano water.

Heat na their normal weather! If temperature drop below 70 °C, cold go even kill dem. Some of dem fit comfortably enjoy life inside 121 °C heat.

Quick Summary
Microbe Type Wetin Fit Kill Am Fit Survive 100 °C Boiling Water? Examples
Normal Bacteria 60 °C – 75 °C NO (E dey die immediately) Salmonella, E. coli
Bacteria Spores 100 °C – 120 °C YES (You need pressure heat to kill am) Bacillus cereus (Rice bacteria)
Volcano Bacteria 80 °C – 122 °C YES (Na hot heat dem dey take breathe) Strain 121
So tell dem for group chat say: Salmonella dey die inside boiling water, but make dem stop leaving cooked rice for parlor make he cool spore grow back

chairmanawe:
All of the bacteria that can survive in human body would have been dead by the temperature of a well boiled rice. Before you attack me, I have a Ph.D in Microbiology

Microbiology ko
Abwg make ona leave me

God see governor
It's well
Am not surprised Nigeria is back of the world 🌎
The next governor will be ?

USA saved libya
Gaddafi was a dictator
Libya is free
USA the savior of the world

bigpicture001:
Russia needs war and they should get it!

When the war finishes, every territory Russia stole from.Eu countries
.like kallindgrad Crimea, donesyt and half of moldovia ..would be taken back.

Keep quiet and learn
Go read history and come back to correct your post

uunwanaobong3:
I SWEAR TO GOD, THIS FIGHT THAT EUROPE IS BEGGING FOR AND THEIR USELESS ARTICLE 5 WHICH THEY KEEP DISTURBING US WITH, THEY WILL SEE IT.

I HAVE NEVER SEEN AN ENTIRE CONTINENT THAT MONGER FOR WAR LIKE EUROPE, YET THEY CAN'T PRODUCED ANYTHING.
EVEN AMERICA THAT OWNS AND SUPPLY ALL EUROPEAN WEAPONS ARE NOT WARMONGERING AS THESE IDIOTS

They were born out of war!!!
War is more natural than peace
Try buy books make u read
Na for Africa Dem hate war

We all know what's going on
Na for nairaland CNN BBC aljazera fox news na Iran dey lose the war, online showoff
The Iran I was following an Iranian directly I just too fall in love with them, 1000 times better than Nigeria, far safer than USA
Cheap gas, fuel, uninterrupted power supply for the past 3 decade
USA dey will online
39 aircraft destroy only 13 USA soldier died
Welldone Hollywood special force
Only try in savings the world
All those speech in UNGA was just showoff
Dey deceive the Americans pipo

Kalashnikov49:
If Figures were being hidden

Politico
BBC
ALjAZEERA
CNN
MSNOW
Punch Newspaper
Bloggers worldwide
Democrats will have published the names.

In war Soldiers DIE...and those that live are celebrated.

The funniest thing is that all those ranting here come from a country where they dont regard their own Soldiers dying everyday like flies.

Soldiers were killed today all over NIGERIA, but their fixation is America.

Ok...


America recognizes their DEAD Soldiers. Let NIGERIA even do same....NEVER!

Same people ranting are IRAN and IRGC supporters, who are exceptionally senseless.

Anyway..iran is winning the war..

Dey deceive your self with pictures memes and carry talk
Iran is 1000 times better than where u stay

As am speaking with u now
There is uninterrupted power supply for the past 30 years
Very cheap gas
If USA can tell u 39 aircraft was destroyed, only 13 soldier died
Now them dey add figure

Oxb90:
As it is now, i am afraid of everything in this country. Wetin Nigerians no go fake please tell me.

Lol yes

Especially igbo people
May God help Nigerians

One sex will turn your life around from positive to negative
From positive to negative
Not negative to positive

Delesobowale
I read this man article every week
Surprise to see his post here
If you read this man u go understand Nigeria politics
I don't need to enter the nooks and crannies of Americans to know American is in debt and Nigeria is a bastardized country
Delesobowale made me know
God bless you sir

On his mandate we shall stand
Kwara state a peaceful state now a bandit dern
God bless mother Iran
God bless Peter obina Gregory and all his supporters
God bless atikulate

Thundafireseun:
Love is truly blind..

Love is truly blind

Love is truly blind.

Nze Stan married the most beautiful woman on earth 😁

Love is not blind
God is not blind
Selfish love is blind
Greater love dey
Selfless love dey

Nigeria problem
Rooted challenge
Tribalism everywhere
Even in school, hospital, market,
Our problem as a country no contractor can solve it

Nawa

3 months
Chia the joy of banging a dead man wife
Especially widow
Women shall

Poverty shall

Imagine woman bring money from their own marriage.no Wonda many women dey market like this

Lol
Israel is winning
The straight abi na straits remains close na for nairaland and cnn with aljereal the strait open
God bless mother iran, God bless peter Gregory obinachukwudinyerhovho

Kelvin3476:
Learn to lie at least .
Iran is winning in the mosques

Not in the mosques in the battle field
The strait of Hormuz remain closed!!!
USA is winning then open it?
Very simple task open the straight of Hormuz or straits of Hormuz
So so simple that even a two year old knows the math
Try buy jamb form miss Dundee

Lithiumite:
Dey lie give urself,Iran go damage one American plane and its not on cnn or al jazeera.......you must be an obi supporter,iran mob unit because falsehood and propaganda is their stock in trade.

You are very correct 💯
I know u are a gen z so won't argue with you

CNN BBC aljazera back then in Iraq war
Am not stupid I stay in Nigeria CNN said Trump has killed the terrorists in Nigeria
I stay in Nigeria CNN will tell me truth in Nigeria abi?

sweetkev:
You definitely have a simp as husband. Some men can tolerate bluesheetssssss

U said it all
Imagine Ned as his husband 😂

Lol

There is love in beating
Enjoy