Welcome, Guest: Register On Nairaland / LOGIN! / Trending / Recent / New
Stats: 3,148,570 members, 7,801,627 topics. Date: Thursday, 18 April 2024 at 06:44 PM

My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. - Business (4) - Nairaland

Nairaland Forum / Nairaland / General / Business / My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. (26630 Views)

Wrong Transfer Into My Bank Account. / My Bank Account Restricted Unjustly / If I Spend Money Mistakenly Deposited Into My Bank Account, What Will Happen? (2) (3) (4)

(1) (2) (3) (4) (Reply) (Go Down)

Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by seyz91(m): 3:16am On Oct 05, 2021
cheesy
mbahdi:
Debit or credit.there are debiting u in advance.so anytime money enter dem go commot am.maybe there are trying to remind u of ur own gbesee of the 55trillion buhari nigeria is owing china.so u are already paying urs in advance.lucky u
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by Emmanuel909090: 4:47am On Oct 05, 2021
embarassed
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by hobyner(m): 5:48am On Oct 05, 2021
They debiting your card, so cancel your existing cards then get 2 new cards, 1 for ATM/POS, the 2nd is for online payment. And be careful
Opexzy:
I will keep this as short as possible.

Three days ago I got a debit alert of 2700 naira from no where on my access bank account. I quickly moved the rest of my money into the other access bank account. I looked at the transaction description but I couldn't make any sense of it, so I let it slide... Since the card will expire this month.

Fast forward to today. I wanted to withdraw some cash, I have so many bank accounts but only this account has an atm card, so i would always move the amount I want to spend to this account. To my greatest surprise, I found out that this account has been thrown into negative with a deficit of over 3500 naira... How is this even possible... I checked my transaction history and I realised that I have like three different debit transactions today alone, I didn't even get an alert. Is Access Bank whining me or what? I don't even know where this debit transactions are coming from.

Bellow are the screenshots from my Access more mobile app. Please can anyone explain what's going on here.

The first image was the first debit alert I received.
The second one is my negative balance and the debit transaction from unknown sources.
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by mudiana(m): 7:04am On Oct 05, 2021
I only have one atm card. And it's from Union bank. I send money I want to use and withdraw. I don't do anything internet payment. If I know see for physical market then forget it. Banks like UBA, Access I stopped using them over 13 years ago. I hate to even send money to their account for business. I usually ask me customers, do u have another account I can send this money to? The one that just entered my list recently was Zenith bank. I abandoned my current account 3 years ago. I can't entrust you with my money then u go come dey steal am. I feel pained by such acts.
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by KingofHearts(m): 7:20am On Oct 05, 2021
The problem is simple! Someone has your 16digits and the Security code behind your card.

The day will come when the words of some of us that have been shouting that it is insane to have POS terminal in the hands of everybody!never ever seen it in any country before.

POS is for store fronts who can be held accountable if a terminal is hacked (very possible) or is used internally for fraud.

A POS operator was caught weeks ago using customers stored details on bet naija,he credits his account with small money to stake weekly. POS everywhere is wrong and will backfire once the hunger level enters next gear.

Always use virtual cards online and on ATM[b],it is your duty to protect your money if you work hard for it or if you are interested in spending it yourself.[/b]

You can use a 1iD text-to-pay with no bank account too.

1 Like 2 Shares

Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by davies(m): 7:28am On Oct 05, 2021
It seems people are hacking access bank accounts cos I also received the same debit alert despite not using my account for anything. I was debited 41k and the bank has found nothing to do to restore or refund my money. Access bank is a big scammer
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by Lexxyla: 7:54am On Oct 05, 2021
I got the same debit yesterday for a supposed Netflix subscription. I reached out to Netflix and I was told my card details are not linked to any Netflix account.

I called Access bank this morning and they are insisting that I carried out a transaction on the 24th of September that was not debited till yesterday. As usual, they're trying to pin it on me using my card on a website.

I just will try sending a direct complaint to the CBN after the 72 hours waiting time for card related complaint. I don't get why you'll wait for two weeks to debit a transaction I don't even know about.

Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by Lexxyla: 8:13am On Oct 05, 2021
So they have reversed the money after I called them, called them out on their facebook page and sent an email to them with CBN in copy. This people are thieves.

If after 72 hours they've not reversed your debit, kindly send an email to cpd@cbn.gov.ng
You can also try to get their number from the CBN website if you prefer to call.

Let's all be mad together


Lexxyla:
I got the same debit yesterday for a supposed Netflix subscription. I reached out to Netflix and I was told my card details are not linked to any Netflix account.

I called Access bank this morning and they are insisting that I carried out a transaction on the 24th of September that was not debited till yesterday. As usual, they're trying to pin it on me using my card on a website.

I just will try sending a direct complaint to the CBN after the 72 hours waiting time for card related complaint. I don't get why you'll wait for two weeks to debit a transaction I don't even know about.

2 Likes 1 Share

Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by LieDetector(m): 8:18am On Oct 05, 2021
davies:
It seems people are hacking access bank accounts cos I also received the same debit alert despite not using my account for anything. I was debited 41k and the bank has found nothing to do to restore or refund my money. Access bank is a big scammer
boss when was this?
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by Topshow2010(m): 8:41am On Oct 05, 2021
Sori Op ,access no be bank o.Imagine a bigger and robustic intercontinental bank acquired by inefficient and smaller Access bank .The acct was forced on me by nysc few years ago and since I finished frm d scheme ,I never thought it for once to even know my acct number .
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by hoodboy(m): 8:47am On Oct 05, 2021
Lexxyla:
So they have reversed the money after I called them, called them out on their facebook page and sent an email to them with CBN in copy. This people are thieves.

If after 72 hours they've not reversed your debit, kindly send an email to cpd@cbn.gov.ng
You can also try to get their number from the CBN website if you prefer to call.

Let's all be mad together



There’s a glitch somewhere in their system, mine has also been reversed this morning

1 Like

Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by Lexxyla: 8:54am On Oct 05, 2021
Maybe.

My anger was when the Access Bank contact center agent that answered my call tried to pin it on me using my card on a website. Like WTF.
The description read Netflix. I had earlier contacted Netflix and they told me my card was not used on their website.


No be juju be that?

hoodboy:


There’s a glitch somewhere in their system, mine has also been reversed this morning
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by Moyenii(f): 9:00am On Oct 05, 2021
This people are really thieves. I was also debited twice last night; first was one POS transaction that I couldn't figure out and the second was the 4,400 Netflix debit. They just reversed it this morning.
Lexxyla:
So they have reversed the money after I called them, called them out on their facebook page and sent an email to them with CBN in copy. This people are thieves.

If after 72 hours they've not reversed your debit, kindly send an email to cpd@cbn.gov.ng
You can also try to get their number from the CBN website if you prefer to call.

Let's all be mad together


Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by descarado: 9:31am On Oct 05, 2021
Everything is so wrong in Nigeria
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by sben2308(m): 10:33am On Oct 05, 2021
Opexzy:
I will keep this as short as possible.

Three days ago I got a debit alert of 2700 naira from no where on my access bank account. I quickly moved the rest of my money into the other access bank account. I looked at the transaction description but I couldn't make any sense of it, so I let it slide... Since the card will expire this month.

Fast forward to today. I wanted to withdraw some cash, I have so many bank accounts but only this account has an atm card, so i would always move the amount I want to spend to this account. To my greatest surprise, I found out that this account has been thrown into negative with a deficit of over 3500 naira... How is this even possible... I checked my transaction history and I realised that I have like three different debit transactions today alone, I didn't even get an alert. Is Access Bank whining me or what? I don't even know where this debit transactions are coming from.

Bellow are the screenshots from my Access more mobile app. Please can anyone explain what's going on here.

The first image was the first debit alert I received.
The second one is my negative balance and the debit transaction from unknown sources.




OGA GO N BLOCK YOUR CARD NOW OOOO SAME THING HAPPENED TO ME WITH USELESS FIRSTBANK AND THEY DIDNT REFUND THE MONEY TILL DATE OOOO .ALL NIGERIAN BANKS ARE USELESS BECAUSE NO OUTSIDE CAN DO THIS WITHOUT INSIDER INFORMATION.
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by kolakolex: 7:33pm On Oct 05, 2021
The only bank that wanted to finish my life with charges na UBA. i just withdrew my all my money and move; didnt even bother closing the account.
Zenith and Gtb are good banks.
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by SweetKay3: 11:02pm On Oct 05, 2021
Nackzy:
Zenith bank does this a lot

I thought i was the only one experiencing this with Zenith.
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by SweetKay3: 11:05pm On Oct 05, 2021
kolakolex:
The only bank that wanted to finish my life with charges na UBA. i just withdrew my all my money and move; didnt even bother closing the account.
Zenith and Gtb are good banks.
Zenith isn't that nice anymore, i moved my savings to Zenith thinking they're the best but I've been getting annoying debits recently and i don't have a card to the account.
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by Chiden(f): 5:48pm On Oct 06, 2021
Chiden:
I guess you're one of those selected to help Bubu pay up the Loan


I just saw a debit alert now too... cry

1 Like

Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by Nobody: 10:22pm On Dec 02, 2021
xynerise:
I am still angry with UBA after debiting me for Airtime and I didn't see any airtime on my phone

UBA have done this for me twice, Nothing will make me recharge Online henceforth......
Re: My Bank Is Posting Debit To My Account Even When I Don't Have Enough Balance. by zephyr4mac(m): 7:44am On Jan 14, 2023
Please help out.. See attached what GTBANK did.. Debited 11k + unauthorised on my account.
Please help
The fraud was not even reflected neither my bank statement nor online internet banking.

(1) (2) (3) (4) (Reply)

5 Important Business Lessons I Learnt From Lagos Danfo Drivers / World's 100 Richest Men. I Call The Ladies Men / Help!!! Nipost Has Dealt With Me

(Go Up)

Sections: politics (1) business autos (1) jobs (1) career education (1) romance computers phones travel sports fashion health
religion celebs tv-movies music-radio literature webmasters programming techmarket

Links: (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Nairaland - Copyright © 2005 - 2024 Oluwaseun Osewa. All rights reserved. See How To Advertise. 36
Disclaimer: Every Nairaland member is solely responsible for anything that he/she posts or uploads on Nairaland.