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Was I Scammed By The Bank Or POS Operator? - Business (6) - Nairaland

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Kwara POS Operator Lavishes N280m Received In Error / POS Operator, Malam Umar, Honoured In Warri For Charging ₦‎200 For ₦‎5K / Savings In Insurance Bank or Piggybank Which One Is Advicesable? (2) (3) (4)

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Re: Was I Scammed By The Bank Or POS Operator? by jrobbins: 6:07pm On Jul 07, 2023
Bacteria8:
The Bank have a lot to answer.

I mean the girl at the bank said she has entered the complain and that you should wait 7 days... If it was successful she would have seen it immediately instead of entering the complaint. And would have directed you back to the POS.

Except ofcos the bank girl is just plainly incompetent!!!

The bank cannot see it immediately. The complaint would be logged and then the team responsible would track the transaction (customer service doesn't have that right). It's the receiving institution that would confirm if the money dropped or not. That POS guy has the money in his waller. He should print his statement and the OP would know it's true.
Re: Was I Scammed By The Bank Or POS Operator? by buzorcharles(m): 6:13pm On Jul 07, 2023
Ask the pos for his statement for 3 day starting from the day of transact
Re: Was I Scammed By The Bank Or POS Operator? by khalleb(m): 6:52pm On Jul 07, 2023
OkayDaddy:
Not a problem.

Tell your bank to provide you with the session code of the transaction. Once given to you, give the receiver to share it with his/her bank.
That way, they can pull the transaction and it will drop in the receiver's account.
There's nothing like session code or session ID when you are withdrawing with your card on POS
You only get session code/ID When you do transfer.
It's possible that your money is still with your bank or POS but is your bank that should help you out if you bank now says they're very sure of what they said tell the POS man you're involving the police
Re: Was I Scammed By The Bank Or POS Operator? by Abemy(m): 7:16pm On Jul 07, 2023
Promicah:
I performed a transaction at a Pos stand and it was declined but I was debited 2100. Immediately, I complained to the back because it's a stone throw from my residence. The customer care told me to check back in seven days that she has logged in my complaints.

After the d-day, I discovered it was not reversed. I called the customer care and I received the shocker of my life. They sent me a document which I will attach to this post that it was successful.

I went back to the post guy and narrated it to him and he said, "He didn't see any money reversed." I went back to the bank and was told they can't do anything that it was successful.

Please bankers and experienced nairalanders, what can I do to recover my 2100? I don't have any money with me and I was hoping for that money. Have I been scammed or what?

See the attached picture for clarification.

Good afternoon sir Nlf.pmod. Please help me post. I really need this money, sir. I want to know where it's coming from.

The bank is not telling you the truth. If the fault was from the POS Operator, the bank usually call and order them to refund the customer immediately, and no POS Operator ever waste time in refunding the complainant.

But since they are not calling the operator, I would advise you to get your details and email them to the bank's head office directly, the issue will be resolved.
Re: Was I Scammed By The Bank Or POS Operator? by OkayDaddy: 7:20pm On Jul 07, 2023
khalleb:

There's nothing like session code or session ID when you are withdrawing with your card on POS
You only get session code/ID When you do transfer.
It's possible that your money is still with your bank or POS but is your bank that should help you out if you bank now says they're very sure of what they said tell the POS man you're involving the police

Oga, talk about what you know. I used logcode to trace my money from Gtbank to Access to Global Accelerex. I collected it in full with plenty apologies from them.

Contact your bank and get it. They will give you a printout also. Then, contact the company that issued the POS, they are usually quick to resolve this.
Re: Was I Scammed By The Bank Or POS Operator? by OlujobaSamuel: 8:27pm On Jul 07, 2023
OkayDaddy:


Oga, talk about what you know. I used logcode to trace my money from Gtbank to Access to Global Accelerex. I collected it in full with plenty apologies from them.

Contact your bank and get it. They will give you a printout also. Then, contact the company that issued the POS, they are usually quick to resolve this.
He is right, log code is different from session ID, although both works similarly. Session id is to transfer while log code is to withdrawal
Re: Was I Scammed By The Bank Or POS Operator? by jimter44(m): 8:35pm On Jul 07, 2023
Contact your bank to print the merchant copy for you. If the transaction was successful, they will print out the merchant copy, but if the transaction is unsuccessful, they will not be able to print the merchant copy. With this, you will know whether the transaction was successful or not. Your bank can also provide you arbitar log code and give to the POS agent and he will send it to the POS provider.
Re: Was I Scammed By The Bank Or POS Operator? by highness25(m): 8:55pm On Jul 07, 2023
Promicah:
This is it. I donating doing same at them. It's unfair.

I don't understand.
Re: Was I Scammed By The Bank Or POS Operator? by jimter44(m): 8:58pm On Jul 07, 2023
OkayDaddy:


Oga, talk about what you know. I used logcode to trace my money from Gtbank to Access to Global Accelerex. I collected it in full with plenty apologies from them.

Contact your bank and get it. They will give you a printout also. Then, contact the company that issued the POS, they are usually quick to resolve this.

The guy is right. In withdrawal, it is called arbitar log code which is provided by the bank where the money was withdrawn. In transfer or deposit, it is called session id and it is provided by the bank or POS provider that carries out the transaction.
Re: Was I Scammed By The Bank Or POS Operator? by Caseless: 9:55pm On Jul 07, 2023
Promicah:
I performed a transaction at a Pos stand and it was declined but I was debited 2100. Immediately, I complained to the back because it's a stone throw from my residence. The customer care told me to check back in seven days that she has logged in my complaints.

After the d-day, I discovered it was not reversed. I called the customer care and I received the shocker of my life. They sent me a document which I will attach to this post that it was successful.

I went back to the post guy and narrated it to him and he said, "He didn't see any money reversed." I went back to the bank and was told they can't do anything that it was successful.

Please bankers and experienced nairalanders, what can I do to recover my 2100? I don't have any money with me and I was hoping for that money. Have I been scammed or what?

See the attached picture for clarification.

Good afternoon sir Nlf.pmod. Please help me post. I really need this money, sir. I want to know where it's coming from.
Is it 2,100 or 21,000?
Re: Was I Scammed By The Bank Or POS Operator? by Promicah: 11:47pm On Jul 07, 2023
highness25:
I don't understand.

Typographical error sir. I meant I intend to do as you have proscribed.
Re: Was I Scammed By The Bank Or POS Operator? by Promicah: 11:48pm On Jul 07, 2023
Caseless:
Is it 2,100 or 21,000?
It's 2,100 naira sir.
Re: Was I Scammed By The Bank Or POS Operator? by domido(m): 12:13am On Jul 08, 2023
eghuan1:



Sorry i'm replying late, though i saw this post sometime ago.

this print out the bank gave you simply means the POS transaction was successful from their end, meaning money was successfully withdrawn from your account but it was not successfully credited into the POS account.

The POS operator was supposed to make a report to the company that owns that POS who will then contact NIBSS for a reversal of funds.

my advise, go to the POS operator to lodge a complaint through his company.


Op, follow this advice. This person is a banker and know what he's doing. This is the exact advice i would have given you.

The POS merchant might not have been credited truly from NIBSS and it is successful from your own bank. What was given to you was a proof of successful transaction from your bank.
Re: Was I Scammed By The Bank Or POS Operator? by cevek11: 12:24am On Jul 08, 2023
The document your bank gave you was giving to them by the bank of the POS operator....

If the operator would, simply visit his/her bank to confirm this, value will be immediately given to up.
Re: Was I Scammed By The Bank Or POS Operator? by princetom1(m): 12:37am On Jul 08, 2023
OkayDaddy:
Not a problem.

Tell your bank to provide you with the session code of the transaction. Once given to you, give the receiver to share it with his/her bank.
That way, they can pull the transaction and it will drop in the receiver's account.

Correct
Re: Was I Scammed By The Bank Or POS Operator? by princetom1(m): 12:41am On Jul 08, 2023
Bacteria8:
The Bank have a lot to answer.

I mean the girl at the bank said she has entered the complain and that you should wait 7 days... If it was successful she would have seen it immediately instead of entering the complaint. And would have directed you back to the POS.

Except ofcos the bank girl is just plainly incompetent!!!

Before u go see competent person inside bank, maybe u don start to dey scatter everywhere by den
Re: Was I Scammed By The Bank Or POS Operator? by kevotek1000(m): 1:04am On Jul 08, 2023
OkayDaddy:
Not a problem.

Tell your bank to provide you with the session code of the transaction. Once given to you, give the receiver to share it with his/her bank.
That way, they can pull the transaction and it will drop in the receiver's account.

You nailed it.
Re: Was I Scammed By The Bank Or POS Operator? by olayinkajnr(m): 6:22am On Jul 08, 2023
Your money is with the POS guy.
Re: Was I Scammed By The Bank Or POS Operator? by olayinkajnr(m): 6:23am On Jul 08, 2023
kevotek1000:


You nailed it.
Re: Was I Scammed By The Bank Or POS Operator? by highness25(m): 6:30am On Jul 08, 2023
Promicah:


Typographical error sir. I meant I intend to do as you have proscribed.
Ok.
Re: Was I Scammed By The Bank Or POS Operator? by olayinkajnr(m): 6:31am On Jul 08, 2023
princetom1:


Before u go see competent person inside bank, maybe u don start to dey scatter everywhere by den

At that point, there's nothing the girl can do. If it was the banks POS, the girl can easily detect if it was successful or not because it's centralised. But other banks or brands POS, it'll need to be logged and a response will have to be sent before she can ascertain if its successful or not. Other bank or brands POS are usually logged on dispense error logger, arbiter, updms, etc.

Usually, most failed POS transaction are usually reversed back to the account of the customer and if it doesn't go back, they are reversed back to the POS guys for onward reversal to the customer but trust the most of the POS guys to say they didn't get a reversal. Only thing that'll clear the air now is a statement of account from the POS guy.
Re: Was I Scammed By The Bank Or POS Operator? by Qoko: 8:08am On Jul 08, 2023
Kindly request for the session ID from your bank and give it to the beneficiary of the transaction, same will Be processed and the beneficiary’s account will be funded
Re: Was I Scammed By The Bank Or POS Operator? by tasceige(m): 8:36am On Jul 08, 2023
Cutezt:
.

This country is useless, i thought all failed debit was supposed to be settled with our banks? so what exactly is our business with POS agents? These people are being dubiouse. So if i am traveling to Enugu and all this happened while on transit, does that mean i should travel back to the state to ask for my money?

I've got same issues with you with UBA. Transaction shows declined, UBA sent me proof that It was successfull, the end of day print out shows declined from the gas station as well. So they asked me to go fill a dispense error form at the bank say they will sync with 11plc formally mobil office. Since Jan 28th. I don't enough time visit the bank yet.

So the thing is the money is already in the stations account but they needed action from the bank. We were 2, the other person don get him money.

@Okaydaddy any idea?
Re: Was I Scammed By The Bank Or POS Operator? by SKIBiNSKI(m): 10:13am On Jul 08, 2023
Interesting
Re: Was I Scammed By The Bank Or POS Operator? by olaniyilukman(m): 2:42pm On Jul 08, 2023
maxist2020:


I suspect you are the POS guy.
And for your information I use baxi box and there reversal is in two ways, either it comes back to the your account or it enters the POS.
Now the guy must log dispute using the alert phone number and when this is done the dispute will be resolved with 72hrs and when it is reversed both the POS agent and the customer will get message that the dispute has been resolved, if the money is in the customers account the agent will be told so in the SMS and if the money is reversed to the Bax POS the customer will be told to go and meet the agent and collect his money.
That is why I said for them to clear it they should call baxi POS customer care and they will sort it out.
Maybe you should come and teach me what you don't know....
Re: Was I Scammed By The Bank Or POS Operator? by Marezeama(f): 7:09pm On Jul 08, 2023
Promicah:
I performed a transaction at a Pos stand and it was declined but I was debited 2100. Immediately, I complained to the back because it's a stone throw from my residence. The customer care told me to check back in seven days that she has logged in my complaints.

After the d-day, I discovered it was not reversed. I called the customer care and I received the shocker of my life. They sent me a document which I will attach to this post that it was successful.

I went back to the post guy and narrated it to him and he said, "He didn't see any money reversed." I went back to the bank and was told they can't do anything that it was successful.

Please bankers and experienced nairalanders, what can I do to recover my 2100? I don't have any money with me and I was hoping for that money. Have I been scammed or what?

See the attached picture for clarification.

Good afternoon sir Nlf.pmod. Please help me post. I really need this money, sir. I want to know where it's coming from.
tell the POS guy to show you his bank statement for that day to know if the money is really in his account
Re: Was I Scammed By The Bank Or POS Operator? by Adex0907(m): 1:08pm On Jul 09, 2023
This is a successful card transaction and the Agent has been credited. Reach out to the Agent to collect your money.
Re: Was I Scammed By The Bank Or POS Operator? by FREDCLSSICO7(m): 3:26pm On Jul 10, 2023
Boogyman557:
Holly Gram cool That POS guy 1 shine DISCO LITE for ur matters..


If u get KALA, carry ur KALA JAZZ in the POS guy shop..


Point am the KALA for BLOKOS, em go confess..


LITE UP my WEED in peace


WTF MAN!
my man longtime fah where you go na
we dun miss you o
we think say you been dun kpai ontop one banny like that as we no see you
Re: Was I Scammed By The Bank Or POS Operator? by Majid1990(m): 1:00am On Jul 11, 2023
HIGHESTPOPORI:
Are you planning to use Baxi.
I have started using it already
Re: Was I Scammed By The Bank Or POS Operator? by netmillionaires(m): 11:37am On Jul 11, 2023
Any money that has left your bank cannot be reversed by the bank. The issue is now between you, the petrol station and the recwiving bank.



Cutezt:
OP just forget that money, the same thing happened to me with Wema bank about 2 months ago. I went to the fuel station to get fuel and used my card to pay, it was declined but i was debited 4200, i was given the POS slip with declined boldly written on it, just in case i need it, so we tried another POS and this one went through. I sent a mail to Wema customer care about it and they replied after a whooping 27 days saying the transaction was successful. Thank God i had the transaction slip showing declined, so i snapped and mailed it back to them, it took another 3 weeks for them to reply, saying the transaction was successful and i should go back to the fuel station and ask for the money. Something that was almost clocking 2 months already, they wont even remember me, moreover, it was not even close to my house, it was just a roadside station far from me. I mailed them back saying i want a chargeback and they were telling me there was nothing they could do. These banks are thieves now. As for that wema bank, since that day, they have not seen my 1 naira in their bank again.

This country is useless, i thought all failed debit was supposed to be settled with our banks? so what exactly is our business with POS agents? These people are being dubiouse. So if i am traveling to Enugu and all this happened while on transit, does that mean i should travel back to the state to ask for my money?
Re: Was I Scammed By The Bank Or POS Operator? by netmillionaires(m): 11:47am On Jul 11, 2023
I have the same issue. I make a 10k POS transaction on the 23rd of December 2022. The first attempt failed but the 2nd attempt was successful but I was charged for the two transactions. I have checked with my bank and the bank confirmed that value was given to the POS agent. I have asked the POS agent to produce her statement of account but she keep saying how will ahe check with her bank for something ahe didn't see. My bank gave me a stamped statement of account for that date.


I want to get the details of the receiving bank so I can go there to give them the transaction reference number and find out if the credit has reflect in the account of their client. Is it possible for the POS woman bank to check for me?

If the POS woman bank acknowledge the receipt of the money, they the money is in the woman's account. I am determined to file a court case if she refuse to pay the money.
Re: Was I Scammed By The Bank Or POS Operator? by Amah91(m): 10:08pm On Jul 11, 2023
Please kindly tell the POS guy to give you his/her statement of account for proof.... As most of those failed transaction are successful but seen as declined.

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