₦airaland Forum

4teenblaq:
Start going to the branch everyday and complain until they get tired of you, then they will have no option than to refund you your money...

Don't give them breathing space.

CaptainFM1:
Like I said in one of my post, the right thing is to credit the person first then follow suit with their investigation. It has happened to me in the UK once and that was what HSBC did.

So if you're crediting someone in weeks after and the person already gone 6ft below what then is his gain? Of what use is the reversal?
You never can tell how serious the person need that money at that point in time.

Our problem in this regard is because we don't have consumers protection/right. I bought a pair of addidas trainers in the UK and it opened up in 3days, luckily, I still kept the reciept. I went back and was giving a new one.

Another instance was when I tried buying a PC at Staples and my card was swiped twice. The first swipe already took my money and the second attempt, the attendant said I do not have enough money on my card. I look so stupid on the queue. Could you step aside? He said! Everyone was looking at me as if I stole the card somewhere.

I left there in annoyance, called my bank up and they confirmed the store had been credited. I needed to use the PC for a project over the weekend but I had to borrow someone's PC for that.

First thing on Monday morning, I called the store and started shouting on the manager and threatened that I will report them to consumer protection that they subjected me to racial profiling. Lo and behold, the manager called me in the afternoon and apologies for their mistake (double-swiping) and asked me to come pick the PC for half the price. They had to appease me somehow for the trouble. This happened on Friday night and was sorted by Monday Afternoon!

That's how urgent and serious customers query should be attended to. That's how it should be done. And if you've inconvenient a consumer/customer in any way, you should make up for it ASARP.

Ajimusty2:
but wait,atm machine no dey use the same light with bank o.it has about 6 inverter batteries to itself[pending on the number of machines] so how that one take happen?and if thats what really happened how were you able to get back your atm card? the story no clear.

pretydiva:
Pls, can you help me with CBN mail? Ecobank has refused to reverse my money for over 2 weeks now

xcelpro:
Good day Nairaland.
Please how do I recover my money from Union Bank?
On 19th April 2022, I went to use their ATM at about 8:10 a.m and I was debited N20k without cash dispense because the machine went off while counting the money due to power failure from the bank's generator house.
After 24hrs I went to their branch to lay a compliant and they acknowledged the dispense error and started that it will be reversed after 24hrs which did not happen.
I called their customer care line 2 days later and one of their agent told me that it will be reversed after 24hrs and that she has sent It for manual reversal.
Despite this I didn't get the reversal.

I again went to the bank last week Friday, 23rd April and the customer service apologized that it must be reversed that day which did not still happen.
I chatted them up on Twitter, and they claim that it has been reversed, and after proving that nothing has been reversed they stopped responding to my messages on Twitter.
I sent them a mail and they didn't respond till yesterday, where they stated that the issue will be resolve within 48 hours.
Nothing has happened yet.
I tried calling their their customer service now and I noticed that I can no longer reach them with my two lines, probably they blocked my line.

P.s; I am fully aware that they have breached their obligation in respect to banker-customer relationship and that I would be entitled to damages if I sue them for this.
But the truth is, instituting a legal action now would be too expensive for me coupled with the litigation process.

Please what do you suggest I do apart from litigation?

toprealman:
What if OP doesn't have that kind of time?

Caseywilliams:
Same reason i left my union bank account to be dormant.
Mine was getting to almost a week before it was resolved, after I made a withdrawal request of 40k..the ATM counted the money but was unable to dispense the cash too. This happened at one of their branch at Ariaria int'l market.
Op look at what i was told to do then coz social media is too powerful for them.
Go to same twitter compose a detailed description about the said failed transaction with receipts as evidence so it doesn't look like you're goofing around. Tag all the necessary organizations like, CBN, EFCC, ICPC, including union bank...make it look like they have gotten your complaints severally but keep acting like they're unwilling to reverse your money. Ask your followers help you retweet the said Tweet and if the tweet blows up you might get your money back asap coz CBN policy stated that all failed electronic transaction should be reversed at the maximum of should be 7 days failure to do so attracts a penalty.


Hope this helps

4teenblaq:
Then he should find another means of getting his money back.. Whenever union bank starts playing games with me, that is how I do my own part.

Brendaniel:
I think someone else may have taken the cash from that ATM after you left there, because if the machine was already counting the money, it means the dispensing of money has been approved in its programming and will be dispensed later on, that's why there are cases of people slotting in their cards and before they type anything cash rolls out of it.

However it's not your fault, the bank has to take the responsibility for that, don't go to the bank and be sounding polite with customer care, in present day Nigeria, customer care hardly help people who sound polite, it's either they give you the cash or you receive the alert on your phone before you leave the bank, anything less than that they will know a customer visited their bank, another thing- if any person tells you why are you disturbing because of 20k, tell the person to give you the money and the disturbance will stop ...

Money matter is serious matter

CaptainFM1:
See, your analysis and defence is only good for Nigeria. I've used ATMs in so many countries and once I have issues, they sort it out within 48hours max. There was a time I reported fraudulent transaction on my HSBC. I was only giving a form to fill and sign to confirm I know nothing about the transaction. The very first thing they did the following day was to credit me back and send me a letter that they are carrying out investigation.

xcelpro:
Good day Nairaland.
Please how do I recover my money from Union Bank?
On 19th April 2022, I went to use their ATM at about 8:10 a.m and I was debited N20k without cash dispense because the machine went off while counting the money due to power failure from the bank's generator house.
After 24hrs I went to their branch to lay a compliant and they acknowledged the dispense error and started that it will be reversed after 24hrs which did not happen.
I called their customer care line 2 days later and one of their agent told me that it will be reversed after 24hrs and that she has sent It for manual reversal.
Despite this I didn't get the reversal.

I again went to the bank last week Friday, 23rd April and the customer service apologized that it must be reversed that day which did not still happen.
I chatted them up on Twitter, and they claim that it has been reversed, and after proving that nothing has been reversed they stopped responding to my messages on Twitter.
I sent them a mail and they didn't respond till yesterday, where they stated that the issue will be resolve within 48 hours.
Nothing has happened yet.
I tried calling their their customer service now and I noticed that I can no longer reach them with my two lines, probably they blocked my line.

P.s; I am fully aware that they have breached their obligation in respect to banker-customer relationship and that I would be entitled to damages if I sue them for this.
But the truth is, instituting a legal action now would be too expensive for me coupled with the litigation process.

Please what do you suggest I do apart from litigation?

pretydiva:
Thanks

xcelpro:
Good day Nairaland.
Please how do I recover my money from Union Bank?
On 19th April 2022, I went to use their ATM at about 8:10 a.m and I was debited N20k without cash dispense because the machine went off while counting the money due to power failure from the bank's generator house.
After 24hrs I went to their branch to lay a compliant and they acknowledged the dispense error and started that it will be reversed after 24hrs which did not happen.
I called their customer care line 2 days later and one of their agent told me that it will be reversed after 24hrs and that she has sent It for manual reversal.
Despite this I didn't get the reversal.

I again went to the bank last week Friday, 23rd April and the customer service apologized that it must be reversed that day which did not still happen.
I chatted them up on Twitter, and they claim that it has been reversed, and after proving that nothing has been reversed they stopped responding to my messages on Twitter.
I sent them a mail and they didn't respond till yesterday, where they stated that the issue will be resolve within 48 hours.
Nothing has happened yet.
I tried calling their their customer service now and I noticed that I can no longer reach them with my two lines, probably they blocked my line.

P.s; I am fully aware that they have breached their obligation in respect to banker-customer relationship and that I would be entitled to damages if I sue them for this.
But the truth is, instituting a legal action now would be too expensive for me coupled with the litigation process.

Please what do you suggest I do apart from litigation?

greggng:
Each time I have such issues ,I do write to cbn complaint department...they ve their email on the official website of cbn. I do copy efcc and my bank . Within 24 hours my money is back in my acct

greggng:
Each time I have such issues ,I do write to cbn complaint department...they ve their email on the official website of cbn. I do copy efcc and my bank . Within 24 hours my money is back in my acct

olopolo2k:
This issue is a very simple one, I worked in union Bank and other banks for years before settling down for personal business. If your complaint is as stated, do a letter to union bank address it to head of internal control with a copy to inspection department and CBN dispute resolution department. You will get your money in three days

silibaba:
while writing them on twitter next time, copy CBN, EFCC,FMF,NDIC, ICPC,NIC and thank me later. it wont get to 24hrs, your money will be reversed.

arantess:
Mine took 5 working days for them to reverse

Alternatively you can report to CBN, I saw a thread here yesterday on how to go about that

But exhaust all options first including statement of acco
unt, 10working days etc

austinelex:
bro I have similar issues though my bank is fidelity bank and I used union bank Atm how do i lodge a complaint

xcelpro:
Good day Nairaland.
Please how do I recover my money from Union Bank?
On 19th April 2022, I went to use their ATM at about 8:10 a.m and I was debited N20k without cash dispense because the machine went off while counting the money due to power failure from the bank's generator house.
After 24hrs I went to their branch to lay a compliant and they acknowledged the dispense error and started that it will be reversed after 24hrs which did not happen.
I called their customer care line 2 days later and one of their agent told me that it will be reversed after 24hrs and that she has sent It for manual reversal.
Despite this I didn't get the reversal.

I again went to the bank last week Friday, 23rd April and the customer service apologized that it must be reversed that day which did not still happen.
I chatted them up on Twitter, and they claim that it has been reversed, and after proving that nothing has been reversed they stopped responding to my messages on Twitter.
I sent them a mail and they didn't respond till yesterday, where they stated that the issue will be resolve within 48 hours.
Nothing has happened yet.
I tried calling their their customer service now and I noticed that I can no longer reach them with my two lines, probably they blocked my line.

P.s; I am fully aware that they have breached their obligation in respect to banker-customer relationship and that I would be entitled to damages if I sue them for this.
But the truth is, instituting a legal action now would be too expensive for me coupled with the litigation process.

Please what do you suggest I do apart from litigation?

Brendaniel:
I think someone else may have taken the cash from that ATM after you left there, because if the machine was already counting the money, it means the dispensing of money has been approved in its programming and will be dispensed later on, that's why there are cases of people slotting in their cards and before they type anything cash rolls out of it.

However it's not your fault, the bank has to take the responsibility for that, don't go to the bank and be sounding polite with customer care, in present day Nigeria, customer care hardly help people who sound polite, it's either they give you the cash or you receive the alert on your phone before you leave the bank, anything less than that they will know a customer visited their bank, another thing- if any person tells you why are you disturbing because of 20k, tell the person to give you the money and the disturbance will stop ...

Money matter is serious matter

Brendaniel:
I think someone else may have taken the cash from that ATM after you left there, because if the machine was already counting the money, it means the dispensing of money has been approved in its programming and will be dispensed later on, that's why there are cases of people slotting in their cards and before they type anything cash rolls out of it.

However it's not your fault, the bank has to take the responsibility for that, don't go to the bank and be sounding polite with customer care, in present day Nigeria, customer care hardly help people who sound polite, it's either they give you the cash or you receive the alert on your phone before you leave the bank, anything less than that they will know a customer visited their bank, another thing- if any person tells you why are you disturbing because of 20k, tell the person to give you the money and the disturbance will stop ...

Money matter is serious matter

Kilef05:
You mean you are always present at the bank for 6months?