N800,500 Is All You Can get, Zenith Bank Tells Customer Whose N4m Was taken Without Authorisation

Zenith Bank Plc has said it is only able to recover a sum of N800,500 to Chiamaka Agim, the Lagos State resident whose N4.039 million mysteriously vanished from her account with the bank on Monday.
FIJ had earlier reported how the money was deducted from Agim’s Zenith Bank account without her consent on January 9.

Out of the debited sum, N3.937 million went to an Access bank account while the remaining N102,000 was transferred to a UBA account.

To reclaim her money, Agim had reported the mysterious deduction at two different branches of Zenith bank the following day.

“A Zenith Bank official called me around 6:00 pm on Wednesday,” the Lagos resident said while updating FIJ on the bank’s response.

Agim said she received the call hours after she went to Zenith Bank branch at Alagomeji to follow up on the complaint she lodged regarding the incident.

“The branch manager at Alagomeji said the bank was working on it and I would hear from them soon,” she said. “Then the bank called me in the evening, saying I should check my email.”

Agim said the male bank official notified her during the phone conversation that the transaction was done via her e-token.

This revelation baffled Agim ,who told FIJ that she had never requested for an e-token from the bank.

“He made me look as if I did not know what I was saying because he insisted that I have a token. Perhaps they gave it to someone who is using it on my account,” she said.

“Then he said they were only able to salvage N800,500 from Access Bank. What I picked from the conversation was that I would only get this amount.

“He also said UBA told them that their customer does not depict a fraudster. I wondered how they were able to arrive at that conclusion.

How can the bank make such a statement while I am in pains due to debits that I never consented to? So, how does a fraudster look?”

While Agim believes that a bank insider is responsible for the strange deduction from her account, she also feels Zenith Bank wants to scare her away so that the issue would be swept under the carpet.

“How can they give me N800,500 out of over N4 million? I am not going to let it go like that because it’s a huge amount of money,” she said.

In the document obtained by FIJ, Zenith Bank informed Agim that the financial institution was not liable for the incident since her e-Token and four-digit secret PIN details were used to enroll on the Mobile Banking App on a device.

The bank also added that the same device was subsequently used to carry out the transactions.

When contacted on Wednesday for comments, Unah Romie, a Zenith Bank official, said: “Please be advised that we cannot provide details of the complaint to a third party as you are not the account holder.”

Romie also said any communication regarding the complaint would be directed to Agim who made the complaint.

https://fij.ng/article/n800500-is-all-you-can-get-zenith-bank-tells-customer-whose-n4m-was-taken-without-authorisation/

Previous thread https://www.nairaland.com/7521071/chiamaka-agim-zenith-bank-refund#119947126

These banks are not reliable anymore. Someone withdrew 4M in an account that 200k is the maximum transaction limit and u are telling her that 800k is all she can get from her 4M.. who does that.. all I see here is inside job oo.. I think its time to resort back to piggy boxes oo.. with kolo ur money will be safe.. no sms, atm charges and others

Nothing seems working in this country

It is finished.

Bank staff are now local yahoo boys

Sue them and claim that the unauthorised deduction has denied you the chance to execute a lucrative business deal, and demand for damages.

Dis banks never meet person wen naked/craze follow dem...

Normal stuff

Insider job, get a lawyer.

But let's be fair to the banks too. Even if a fraudster has your atm card how come they have your PIN too? Also, those enrolments will send an otp to the customers registered phone lines. Did she loose her phone too? The bank even mentioned the type of phone used to do the enrolments. Is it the same phone she is using?

natddon1:
But let's be fair to the banks too. Even if a fraudster has your atm card how come they have your PIN too? Also, those enrolments will send an otp to the customers registered phone lines. Did she loose her phone too? The bank even mentioned the type of phone used to do the enrolments. Is it the same phone she is using?

Big organisations will ALWAYS deny culpability.

I have been their victim, and they have good lawyers that shell out convincing statements ..

This one almost convinced me to be honest.

Formal Zenith bank worker o


She better send a mail to CBN

On top her money

Is there no NGO that can fight for her by suing Zenith Bank?

She supposed sue the bank

She needs to get a lawyer ASAP, if they can provide N800,000:00, then they should be able to trace and provide the rest. She will surely cash out from this

Hmmmm



Na we be your best plug for everything sexual enhancement tho

complete BULLSHIT

So our money is not secured/insured when a bank lose our deposit?

natddon1:
But let's be fair to the banks too. Even if a fraudster has your atm card how come they have your PIN too? Also, those enrolments will send an otp to the customers registered phone lines. Did she loose her phone too? The bank even mentioned the type of phone used to do the enrolments. Is it the same phone she is using?

She compromised her details.

ibechris:
Zenith Bank Plc has said it is only able to recover a sum of N800,500 to Chiamaka Agim, the Lagos State resident whose N4.039 million mysteriously vanished from her account with the bank on Monday.

FIJ had earlier reported how the money was deducted from Agim’s Zenith Bank account without her consent on January 9.

Out of the debited sum, N3.937 million went to an Access bank account while the remaining N102,000 was transferred to a UBA account.

To reclaim her money, Agim had reported the mysterious deduction at two different branches of Zenith bank the following day.

“A Zenith Bank official called me around 6:00 pm on Wednesday,” the Lagos resident said while updating FIJ on the bank’s response.

Agim said she received the call hours after she went to Zenith Bank branch at Alagomeji to follow up on the complaint she lodged regarding the incident.

“The branch manager at Alagomeji said the bank was working on it and I would hear from them soon,” she said. “Then the bank called me in the evening, saying I should check my email.”

Part of the Zenith bank document sent via email
Agim said the male bank official notified her during the phone conversation that the transaction was done via her e-token.

This revelation baffled Agim ,who told FIJ that she had never requested for an e-token from the bank.

“He made me look as if I did not know what I was saying because he insisted that I have a token. Perhaps they gave it to someone who is using it on my account,” she said.

“Then he said they were only able to salvage N800,500 from Access Bank. What I picked from the conversation was that I would only get this amount.

“He also said UBA told them that their customer does not depict a fraudster. I wondered how they were able to arrive at that conclusion.
How can the bank make such a statement while I am in pains due to debits that I never consented to? So, how does a fraudster look?”

While Agim believes that a bank insider is responsible for the strange deduction from her account, she also feels Zenith Bank wants to scare her away so that the issue would be swept under the carpet.

“How can they give me N800,500 out of over N4 million? I am not going to let it go like that because it’s a huge amount of money,” she said.

In the document obtained by FIJ, Zenith Bank informed Agim that the financial institution was not liable for the incident since her e-Token and four-digit secret PIN details were used to enroll on the Mobile Banking App on a device.

The bank also added that the same device was subsequently used to carry out the transactions.

When contacted on Wednesday for comments, Unah Romie, a Zenith Bank official, said: “Please be advised that we cannot provide details of the complaint to a third party as you are not the account holder.”

Romie also said any communication regarding the complaint would be directed to Agim who made the complaint.

Since they said the account holder does not look like a scammer, they should then provide him to the police and the court, so he can tell them how and why her money was found in his account.

natddon1:
But let's be fair to the banks too. Even if a fraudster has your atm card how come they have your PIN too? Also, those enrolments will send an otp to the customers registered phone lines. Did she loose her phone too? The bank even mentioned the type of phone used to do the enrolments. Is it the same phone she is using?

Some sites (eg. aliexpress, dynadot) do not require OTP for such transaction to be processed.

habsydiamond:
These banks are not reliable anymore. Someone withdrew 4M in an account that 200k is the maximum transaction limit and u are telling her that 800k is all she can get from her 4M.. who does that.. all I see here is inside job oo.. I think its time to resort back to piggy boxes oo.. with kolo ur money will be safe.. no sms, atm charges and others

Don't blame the bank. From what I have seen, either a former colleague or a friend/relative registered her on the e token platform and committed this fraud. The bank is not liable in this case.

And like this now, Emefiele no dey around. I for say make she report to CBN.

On a more serious note though. How the hell does a scammer look. They owners of the receiving account should should be made to explain how such funds got into their account.

The lady should involve the police, efcc, icpc, cbn and the court...the money would come out sharply...!! Criminals everywhere...!!! The man who's account the money enter have to answer some questions...!!

What do you expect when banks employs contracts staffs and pay them peanuts and these same staff having access to customers info regarding monies running into millions...!!!? They would simply help themselves and run away from the bank there after...!!!

natddon1:
But let's be fair to the banks too. Even if a fraudster has your atm card how come they have your PIN too? Also, those enrolments will send an otp to the customers registered phone lines. Did she loose her phone too? The bank even mentioned the type of phone used to do the enrolments. Is it the same phone she is using?

this is an insider work, all those information are in the bank. The bank know your 4 digit PIN, the bank know your BVN, the bank know the phone you register the app, infact the even have your thumb print.
The bank is responsible for everything.
Banks in Nigeria are more than armed robbers. I don't blame my granny who refused to open an account no matter the persuasion.

This daylight robbery. The poor woman!

I'll keep saying saying it carry your money away from zenith bank for your own peace of mind ....if at you're reading this and you want to open a bank account for the first time...use keystone or stanbic....zenith is full of inside fraudsters and they never have network

Valkrie:
The lady should involve the police, efcc, icpc, cbn and the court...the money would come out sharply...!! Criminals everywhere...!!! The man who's account the money enter have to answer some questions...!!

What do you expect when banks employs contracts staffs and pay them peanuts and these same staff having access to customers info regarding monies running into millions...!!!? They would simply help themselves and run away from the bank there after...!!!

This is the major problem, poor salary, how can you employ somebody to be managing millions of naira and pay them 60,000 naira, it's madness.

Most banks make around 40-50 million naria per month, why can't they pay their workers well? Instead they will only employ contract staff with HND and pay them 60k/month with the excuse that they have HND that's why they are being paid that low, of course the staff will steal of given the opportunity.

Nigeria is a sad,sad place.

natddon1:
But let's be fair to the banks too. Even if a fraudster has your atm card how come they have your PIN too? Also, those enrolments will send an otp to the customers registered phone lines. Did she loose her phone too? The bank even mentioned the type of phone used to do the enrolments. Is it the same phone she is using?

The moment you request for atm card, Your account safety is 1% out of 100%..

There’s a device that can be installed on Pos, atm. The device can record pin & info. The process is called skimming..

Now there’s digital skimming. Instead of going thru the Pos/atm risk, they inject some software codes on some website. Whatever you do on such website, the software will record. If you use your bank details, it will record & it won’t even occur to the website owner..

This is why making payment with your bank details online is risky. You can never be sure if the website you’re intending to input your details have been skimmed. Many skimmed website are on Instagram. People don’t usually know. They keep buying things thinking it starts and ends there..

Zenith bank isn’t the cause of her problem here cuz I can see people blaming banks. USA is suffering this same issh on a daily..

Be very careful how you use your bank account details to make payment online. Infact, up to dating apps like badoo, tinder etc. Anything that’s built with software can be skimmed..

habsydiamond:
These banks are not reliable anymore. Someone withdrew 4M in an account that 200k is the maximum transaction limit and u are telling her that 800k is all she can get from her 4M.. who does that.. all I see here is inside job oo.. I think its time to resort back to piggy boxes oo.. with kolo ur money will be safe.. no sms, atm charges and others

In a saner clime where everything works, I would have sued those bastards.

As I read this thing I just dey vex anyhow. God please oooooo.

Oh they have withdrew almost all the 3.7 milla out of the bank acc of that Mukalia isah remaining 800k which they can reverse by court order

Such a painful thing

She get luck say she see small tin inside ..had it been its zero balance ...Otilo e don go ..bank wont give her anytin

She maybe caused her self these, she was saying she dont have a token but ze ith bank prooved her wrong that she collected an e token ..in d report...she is even dumb self ...na dat e token dem take finish her

Am sure someone dis dis to her thru her fone ...someone had access to her token app either insider or someone around her...

Let her check herself well, if she repaired her fone with her sim ...especially that her iphone 11promax ,

Omo na she gurk ...let her check her self bank cant be responsible abeg