Compliments of the day everybody reading this. Please I need help thus my having to create this post, it has to do with a wrong accorded my mum by two financial institutions in Nigeria named First Bank of Nigeria and Guaranty Trust Bank. Please forgive me as its quite a long read and i'm hopeful of summising it within a few paragraphs please. This incident occurred on 2nd February 2021. My mum is a retired civil servant who went to withdraw money sent by my elder sister on the 1st of February 2021. My mum went to the bank on the morning of 2nd February 2021 to withdraw money to aid her go purchase some building materials and upon getting to the bank(First Bank Nigeria, Aka Road, Uyo) she inserted her card into the machine slot, tried withdrawing #20000 initially but the machine didn't dispense, she tried a second time, the machine still didn't dispense. She ejected her card and inserted it again, tried again, the machine whirled and stopped but didn't pay, the person behind her asked her to reduce her sum probably it would pay her. She inputted #10000 and the machine whirled, stopped and trapped her card. All this occurring within 8:00 -8:05am, she rushed into the banking hall and was referred to her parent bank (GTBank), that she can't be given the card but for her parent bank writing and requesting same from them.

To this end, she hurriedly left for GTBANK Abak Road, Uyo only to be told they were working out from their other branch located at Udo Udomma Avenue. She still made her way down there and laid her complaint and was told her card has been blocked. Meanwhile in the same stead I was home when I got a mail from GTBank detailing #500 was about to be withdrawn and if I didn't authorize the transaction, I should dial.a certain code, write them or visit any of their branches to block it from occurring, few seconds afterwards another mail came through detailing #160000 was about to be withdrawn from the account and if I didn't authorize it, I should contact them. Please note, my mum is not tech savvy thus upon her opening this account, I had accompanied her to the bank to aid her open it and the bank had requested for a phone number and mail address to attach to the account- we used her mobile number and I gave my mail since she doesn't own one. This informed my knowing the transaction occurring real time on the said day.

My mum came home subsequently around few minutes to noon on that very day and told me what occurred, I then told her a mail was sent to me detailing #160500 was withdrawn. She asked me to accompany her back to the bank, that the bank had told her all transactions on the account had been stopped. I dressed up and accompanied her there, upon getting there she lodged a complaint and explained what I told her to the banking personnel she had met earlier and the person told her that the money had already been taken as at when the ATM was still in the machine. He advised us to come back the next day as they were investigating the transaction, I subsequently asked my mum to go get her account statement to which she did but was only given from the beginning of the year till the 1st of February 2021. They declined giving her details till 2nd of February 2021 with their excuse being that the account was being investigated to know what transpired earlier. We took the statement and left with hopes of coming back the next day.

Keep pestering them with mails, calls and plenty shouts.

Write both firstbank and Gtbank mails, take the response' reference numbers from both banks and write cpd@cbn.gov.ng quoting the reference numbers.

Then wait for CBN to interfere.

Did you dial the code?

nextdoorpal:
Compliments of the day everybody reading this. Please I need help thus my having to create this post, it has to do with a wrong accorded my mum by two financial institutions in Nigeria named First Bank of Nigeria and Guaranty Trust Bank. Please forgive me as its quite a long read and i'm hopeful of summising it within a few paragraphs please. This incident occurred on 2nd February 2021. My mum is a retired civil servant who went to withdraw money sent by my elder sister on the 1st of February 2021. My mum went to the bank on the morning of 2nd February 2021 to withdraw money to aid her go purchase some building materials and upon getting to the bank(First Bank Nigeria, Aka Road, Uyo) she inserted her card into the machine slot, tried withdrawing #20000 initially but the machine didn't dispense, she tried a second time, the machine still didn't dispense. She ejected her card and inserted it again, tried again, the machine whirled and stopped but didn't pay, the person behind her asked her to reduce her sum probably it would pay her. She inputted #10000 and the machine whirled, stopped and trapped her card. All this occurring within 8:00 -8:05am, she rushed into the banking hall and was referred to her parent bank (GTBank), that she can't be given the card but for her parent bank writing and requesting same from them.

To this end, she hurriedly left for GTBANK Abak Road, Uyo only to be told they were working out from their other branch located at Udo Udomma Avenue. She still made her way down there and laid her complaint and was told her card has been blocked. Meanwhile in the same stead I was home when I got a mail from GTBank detailing #500 was about to be withdrawn and if I didn't authorize the transaction, I should dial.a certain code, write them or visit any of their branches to block it from occurring, few seconds afterwards another mail came through detailing #160000 was about to be withdrawn from the account and if I didn't authorize it, I should contact them. Please note, my mum is not tech savvy thus upon her opening this account, I had accompanied her to the bank to aid her open it and the bank had requested for a phone number and mail address to attach to the account- we used her mobile number and I gave my mail since she doesn't own one. This informed my knowing the transaction occurring real time on the said day.

My mum came home subsequently around few minutes to noon on that very day and told me what occurred, I then told her a mail was sent to me detailing #160500 was withdrawn. She asked me to accompany her back to the bank, that the bank had told her all transactions on the account had been stopped. I dressed up and accompanied her there, upon getting there she lodged a complaint and explained what I told her to the banking personnel she had met earlier and the person told her that the money had already been taken as at when the ATM was still in the machine. He advised us to come back the next day as they were investigating the transaction, I subsequently asked my mum to go get her account statement to which she did but was only given from the beginning of the year till the 1st of February 2021. They declined giving her details till 2nd of February 2021 with their excuse being that the account was being investigated to know what transpired earlier. We took the statement and left with hopes of coming back the next day.

Sorry for the lost. I assumed the Card might have been swapped by the guy at the ATM queue. The card wasn't trapped by the machine, it is the new trick they used especially for aged or Vulnerable people trying to use the ATM. It's always advisable to seek security men assistance rather than anyone seen on d ATM queue.

We came home and mum was very restless as this sort of occurrence had never happened to her and she's only heard and read of it. Her blood pressure spiked and it took constant reassurance from me that all will be resolved by the next day to keep her calm. In the morning, around 3am the worst news she wasn't expecting hit her phone and an alert detailing first #500 withdrawn and another detailing #160000 was withdrawn.

She came over to my room, woke me up and we sat up together with me trying to keep her calm till daybreak when we'll go to the bank and ask for explanations. We got to the bank that morning by 8am requesting to see the operations Manager (OPM), I was directed to him and I explained things to him calmly and he sort of acted rudely by briefly explaining that it was an Internet transaction and that my mum may have been careless to have compromised her card details to which I vouched that it can't happen. You'll ask why I said so, I've lived with my mum for a better part of my life and if there's one thing I know about her, it's that she's very meticulous and prudent with regards financial issues. She keeps her dispensing cards in her bag containing all her documents n seldomly goes to it except necessary thereby taking it out to go withdraw her money or sends me to aid her withdraw and immediately returns it there. Despite my trying to explain things to him, he rudely walked away from me as though it's not his business, I kept cool and returned to my mum who was sitted upstairs and made her feel calm. My eldest sister who was once a banker came through to the bank and asked to see the same OPM and he acted non-chalantly saying he had already told me what he thought had happened. My sister went out to the customer care and inquired about the transaction but was only given one leg of the transaction being that sent to my mum and the other part was ignored as though it does not exist. She asked and they declined giving it, we left and she adviced I write their headquaters to which I did, I sent a mail detailing the whole ordeal. I forwarded same letter to consumer protection department of the CBN, Federal consumer protection agency and First Bank Nigeria. Guaranty replied saying the complaint had been noted (i'll do well to attach the mails subsequently at the end).

Please note at no point did my mum ask someone to aid her operate the machine, she's conversant with the dynamics therein and does so with ease cos that's the next excuse the bank made.

We consulted a lawyer who said we should sue, he wrote them demanding explanations and till date her parent bank has not replied, rather First Bank replied a week afterwards 15th of February to be precise denying this event ever occurred at their premises nor dI'd they trap any card. To say we were shocked is an understatement, I was bewildered and amazed at such blatant denial. My mums blood pressure spiked, she couldn't eat no more and lost lots love weight, it took lots of reassurance from we her kids to convince her to aid us remedy her health status. I had promised her, I'll get to the root of this matter and retrieve her money which made her calm after some days.
The lawyer asked us to await GTBanks response to which till date, they've acted nonchalantly as though I never mailed nor did my lawyer serve them. I'm still at a loss on what to do thus my coming to this prestigious platform to seek opinion and knowledge on what to do since nobody is a monopoly of knowledge.

Attached beneath will be screen shots of the fraud perpetrated by this two on my mother.
Thank you all for your envisaged help and guidance through this while I hopefully intend to use your advice to remedy the situation and sustain a fragile old woman who has been unfairly treated by institutions she placed her trust in.

More photos

Please tell elderly ones not to request for Atm card. Let them withdraw from counter directly. Her card might have be swap. There may need to play CCTV. Did u dial any code. when you received the emails authorizing transactions. You would need service of a lawyer

joyandfaith:
Please tell elderly ones not to request for Atm card. Let them withdraw from counter directly. Her card might have be swap. There may need to play CCTV. Did u dial any code. when you received the emails authorizing transactions. You would need service of a lawyer

For FBN to have denied such transaction took place at their bank makes me feel there is likely no CCTV footage

nextdoorpal:
Compliments of the day everybody reading this. Please I need help thus my having to create this post, it has to do with a wrong accorded my mum by two financial institutions in Nigeria named First Bank of Nigeria and Guaranty Trust Bank. Please forgive me as its quite a long read and i'm hopeful of summising it within a few paragraphs please. This incident occurred on 2nd February 2021. My mum is a retired civil servant who went to withdraw money sent by my elder sister on the 1st of February 2021. My mum went to the bank on the morning of 2nd February 2021 to withdraw money to aid her go purchase some building materials and upon getting to the bank(First Bank Nigeria, Aka Road, Uyo) she inserted her card into the machine slot, tried withdrawing #20000 initially but the machine didn't dispense, she tried a second time, the machine still didn't dispense. She ejected her card and inserted it again, tried again, the machine whirled and stopped but didn't pay, the person behind her asked her to reduce her sum probably it would pay her. She inputted #10000 and the machine whirled, stopped and trapped her card. All this occurring within 8:00 -8:05am, she rushed into the banking hall and was referred to her parent bank (GTBank), that she can't be given the card but for her parent bank writing and requesting same from them.

To this end, she hurriedly left for GTBANK Abak Road, Uyo only to be told they were working out from their other branch located at Udo Udomma Avenue. She still made her way down there and laid her complaint and was told her card has been blocked. Meanwhile in the same stead I was home when I got a mail from GTBank detailing #500 was about to be withdrawn and if I didn't authorize the transaction, I should dial.a certain code, write them or visit any of their branches to block it from occurring, few seconds afterwards another mail came through detailing #160000 was about to be withdrawn from the account and if I didn't authorize it, I should contact them. Please note, my mum is not tech savvy thus upon her opening this account, I had accompanied her to the bank to aid her open it and the bank had requested for a phone number and mail address to attach to the account- we used her mobile number and I gave my mail since she doesn't own one. This informed my knowing the transaction occurring real time on the said day.

My mum came home subsequently around few minutes to noon on that very day and told me what occurred, I then told her a mail was sent to me detailing #160500 was withdrawn. She asked me to accompany her back to the bank, that the bank had told her all transactions on the account had been stopped. I dressed up and accompanied her there, upon getting there she lodged a complaint and explained what I told her to the banking personnel she had met earlier and the person told her that the money had already been taken as at when the ATM was still in the machine. He advised us to come back the next day as they were investigating the transaction, I subsequently asked my mum to go get her account statement to which she did but was only given from the beginning of the year till the 1st of February 2021. They declined giving her details till 2nd of February 2021 with their excuse being that the account was being investigated to know what transpired earlier. We took the statement and left with hopes of coming back the next day.

Those particular thieves are right inside FBN.

Nigerian banks are filled with thieves these days, they've employed too many boys who were already into yahoo right from the higher institutions. Once an ATM with-holds your card at any bank in Nigeria any account tied to that card will be emptied by insiders within minutes.

CBN is too busy running forex rackets to care

Good morning good people of nairaland. Please i've taken cognizance of your response and inputs but wanted to upload virtually everything to buttress my ascertion but sadly I'm having trouble posting others photos detailing my correspondence with the banks, I can't say if i'm just limited to just the above amount of photos, cos as much as I've tried, it's still the same thing.

Please can the moderators aid me out and moreso put this topic in limelight to get the much needed inputs. I appeal to moderators like Lalasticlala, please!

More photos

Here's First Bank of Nigeria response denying such ever happened.

There must be CCTV footage, the absence of a footage means they're are hiding something and liable.

The footage and the log will show frame by frame with time stamp up to the point when the card was seized or otherwise.

That is the first thing you should have asked for.

iornenge81:

For FBN to have denied such transaction took place at their bank makes me feel there is likely no CCTV footage