₦airaland Forum

Who still give out goods when they have not received an alert? Even when I receive an alert I still log into my account to verify the transaction then I send out 1k to one of my other accounts to see an actual current balance too. You just need to calm, I no fit shout.

In most cases I don't open reciept. What is the use of showing me receipt when it has not landed in my account.

praisecity:
This a schedule receipt.
It means dat even if u don't have money in ur acct app, u can schedule a transfer for tomorrow and it will generate a receipt for u.
Lucky enough u were able to discover session id. Some schedule transfer will still carry reference number.

Na only thief fit trace another thief footstep on the rock.

Mind u this does not mean am into it.

But to get a criminal u new to have a criminal mind and think like a criminal.

This is not applicable to Access bank pls.
Thank you

loyaltygame:
This is not applicable to Access bank pls.
Thank you

I was thinking when access bank do schedule transfer . Na palmpay dey run all those ones

maureensylvia:
Sometime earlier this month, around past 7am, just as I was heading out to drop my kids at school, I got a call.

The person claimed someone referred him to me. He said his boss, a senator, urgently needed bags of rice for a birthday giveaway to prisoners and motherless babies. Sounds noble, right?

I gave him the price.

By 8:10am, he requested my account details.

Barely 10 minutes later, he forwarded a transaction receipt of N2.1 million and began calling repeatedly, urging me to send the goods immediately.

He said, “We trusted you enough to pay before seeing you. Please trust us back and send the rice now. We need it urgently.”

But something didn’t sit right with me.

Thankfully, I zoomed in on the receipt and noticed a tiny detail that didn’t match up.

I'll share the major difference here

I forwarded the receipt to my account officer, and guess what?

It was a fake alert.

I quietly thanked God and smiled. Because if I had moved by emotions, pressure, or excitement, I would have lost both goods and capital.

In business, emotion is expensive. Wisdom and structure will save you from tears.

Thank God for saving you. But how did you then dismiss the guy?

praisecity:
This a schedule receipt.
It means dat even if u don't have money in ur acct app, u can schedule a transfer for tomorrow and it will generate a receipt for u.
Lucky enough u were able to discover session id. Some schedule transfer will still carry reference number.

Na only thief fit trace another thief footstep on the rock.

Mind u this does not mean am into it.

But to get a criminal u new to have a criminal mind and think like a criminal.

What you are saying is different from the real issue at hand.

Is the schedule receipt different from the real receipt?

What to note here is the differences between the fake and the original receipt as pointed out by the op.

The space gaps between the word"Transaction receipt" and "access" and also the font used in the access are the differences apart from the session id

Don't get people confused,

Carndidlaydid:
Happy for you

Bad belle wanted to ruin your Easter but God pass them


They have this app they call Raven ithink it is like all this fintech banks. One can actually send money to you and then after sometime retract it.. You'd get notification of payment but as soon as they leave you they'd retract(don't know if iam using the right term) the funds

One just have to be careful out there

that's why it is good to have your bank app on your phone.

Let me add something that I'm not sure anyone has added. As it seems negligible. Apart from hurry they also always invoke trust. When you see those two my brother run o

maureensylvia:
Let me show you one of the ways I spotted the 2.1 million fake alert

1. The fonts
2. No session ID
3. Under the beneficiary, they messed it up too

The two receipts looks alike right?

Well, it's same Joe...minor difference

Ok now let's go deeper

Aside from the session ID

Check the font of the access bank beside the logo

Compare the original with the fake receipt

Secondly

Did you all see the space between the Transaction receipt and generated from access more?

The space in the fake is closer than the original

Did you grab it?

Now you've coached them, they will do better. 🤷

emmabest2000:
You're still somehow amateur in business,
Don't ever send your account details to any unknown clients unless you confirm very vividly from whom he or she got your contact details,
What if the money he sent was real money but a kidnapped ransom money nko ?

How do you get new customers Nnaa?

maureensylvia:
Some alerts are so fake that you'll see the money reflecting on your bank app. Go ask ndi me afia that deals on heavy transactions daily if they have time to confirm

It's not possible for fake alert to reflect on your bank app unless it was credited by the bank officials themselves which we can't call fake, I am sure it's their regular business partners/customers not a new face plus some build trust and disappoint themselves later, a business owner has to be vigilant in these times.

DON'T EVER SEND YOUR ACCOUNT DETAILS TO UNKNOWN PERSONS.

Bros, I wan add something to wetin u just talk now.

My guy dey import cars and sell and im get trading centre for wey im dey sell cars wey get car wash, saloon, shopping mall, restaurant and bar.
My guy travel last month, and 2 men and 1 woman show up to buy car apparently for the lady as one of the men presented himself as the lady's husband.
Them choose one Toyota Prado TX series about 48 million and they agree on price with the manager.
The manager drop account details, within the hour dem wire the money alright carry motor comot.
2 days later, them return come meet the manager say the wife dey complain abt the motor say e too big for am, say she go like something smaller, dem look all around but she no see her choice of car, so dem start negotiate with manager how dem fit return the car make dem reimburse them, deduct any deductibles from the money.
Them tell the manager say "money na water" as dem come with 2024 Evoque, say make manager collect 5 million return dem 43 million.
Manager say make dem return in 2 hours e go need call oga and they need run diagnostics on the car.
Meanwhile, oga don travel and oga no know about the deal so manager dey imagine to make the quickest 5 million for im life by accepting the car back after the diagnostics don complete and reimbursing the 43 million and keeping 5 million for himself.
2 hours later manager call them say all correct, im go transfer back the 43 million to them, make dem drop account.
Dem tell manager say na cash dem want no be transfer say dem don see another car to buy but the seller want cash, so dem go prefer for just come collect cash go pay to the new seller for the new car wey dem wan buy.
Dey even tell manager say dem go add am another 500k if e go fit bring dem cash.
Manager im head dey only swell on 5.5 million wey im go get sharp sharp.
Manager call bank officer, bank officer say time don go, make e come by 9a.m the next day come collect the 43 million.
Manager no fit sleep the whole night, na im e go explain to im wife wey na Police say na like dis like dis.
Na im im wife tell am say, make e no withdraw any money, say if dem wan reimbursement, the money gats to be refunded by transfer and not to any other account but to that same account wey pay the money.
Next morning im wife carry plain clothed police colleagues go there, manager call say cash dey make dem come collect.
Na the 2 guys come without the woman.
Police arrest dem immediately, direct station.
Na for station wey story bust say dat 48 million na ransom money from someone important in one of the SE states, who was even killed after the money was paid, If u know, u know.
Just imagine say the manager been withdraw that money cash give dem.
Im for explain tire, with no evidence.

DON'T EVER SEND YOUR ACCOUNT DETAILS TO UNKNOWN PERSONS.

emmabest2000:
You're still somehow amateur in business,
Don't ever send your account details to any unknown clients unless you confirm very vividly from whom he or she got your contact details,
What if the money he sent was real money but a kidnapped ransom money nko ?

Niok:
he no check app?

No

uvie66:
This story does not make sense, even if the receipt was genuine, won't you open your banking app to confirm that the money is sitting there comfortably.

abeg help me ask her. Abi she no get bank app. Bank app can never lie

More over, you also need to confirm the alert of your account balance. That also make it clear.

The payer is NEVER the one to CONFIRM payment. It's you the SELLER.

Op you are really smart. But come and finish the story, how did you give the fraudster your final gbas gbos which made him realize he's been caught

Paulscholari:
Even if you send me 10 billion naira and I no receive alert on my bank app not sms ooo, bros na Oyo you dey.

What do u mean by not sms.

Nobody can scam u with fake alerts as long as you check your account balance using USSD code sms.

frog12:
i cannot see the difference.
you should not rely on receipt but verify that the funds is in your account first and make sure they cannot reverse it

How can a money u have confirmed to be in your account be reversed?
How is dat possible?

maureensylvia:
Sometime earlier this month, around past 7am, just as I was heading out to drop my kids at school, I got a call.

The person claimed someone referred him to me. He said his boss, a senator, urgently needed bags of rice for a birthday giveaway to prisoners and motherless babies. Sounds noble, right?

I gave him the price.

By 8:10am, he requested my account details.

Barely 10 minutes later, he forwarded a transaction receipt of N2.1 million and began calling repeatedly, urging me to send the goods immediately.

He said, “We trusted you enough to pay before seeing you. Please trust us back and send the rice now. We need it urgently.”

But something didn’t sit right with me.

Thankfully, I zoomed in on the receipt and noticed a tiny detail that didn’t match up.

I'll share the major difference here

I forwarded the receipt to my account officer, and guess what?

It was a fake alert.

I quietly thanked God and smiled. Because if I had moved by emotions, pressure, or excitement, I would have lost both goods and capital.

In business, emotion is expensive. Wisdom and structure will save you from tears.

The grains Jagaban. I hail oh. Happy Easter.

All this is long story..
Always make it a habit to check your app or email..worst case go to the nearest ATM.
They can't fake these..
Don't rely on alerts especially for funds entering thousands of naira

It's disheartening that crime has gotten to a level that an oversight can lead to loss of millions.
Years ago a customer deposited a cheque into a company's account. It appeared on the statement of account and the naive account officer gave it value not taking note of the value date, she authorised the release of goods to the customer. And two days later the bank reversed the money, that the cheque was spurious. They are yet to catch the fraudsters. Please let me careful and always check value date and not transaction date. SMS alert is not enough for payment confirmation. Always check the App. In fact for big amounts of money always get a second opinion.

franvincoop:
DON'T EVER SEND YOUR ACCOUNT DETAILS TO UNKNOWN PERSONS.


DON'T EVER SEND YOUR ACCOUNT DETAILS TO UNKNOWN PERSONS.

My business is online...

maureensylvia:
Let me show you one of the ways I spotted the 2.1 million fake alert

1. The fonts
2. No session ID
3. Under the beneficiary, they messed it up too

The two receipts looks alike right?

Well, it's same Joe...minor difference

Ok now let's go deeper

Aside from the session ID

Check the font of the access bank beside the logo

Compare the original with the fake receipt

Secondly

Did you all see the space between the Transaction receipt and generated from access more?

The space in the fake is closer than the original

Did you grab it?

You are really observant to note those details.

saintcasmir:
Which one be transaction receipt? Like are you supposed to send out your goods without first confirming the money inside your account? I mean goods of 2 million??

Well, me I no dey ask for receipt o. Once you send any money to me, I go first transfer the money into another account of mine and if successful, then I will acknowledge it, otherwise no deal yet.

Transferring the money immediately can be very risky.
You can receive transfer from a kidnapper using a victims account.

I've seen such scenario play out and it didn't really end well

For every transaction ID or session ID, the date and time of the transaction must reflect in them. For the original receipt, you can see that the date and time is in both the transaction & session ID. Every transaction is mostly tracked by dates and time. Sometimes the account number might reflect in the transaction ID for some Banks. Even for international transactions through swift, you will most likely see the date and time reflect in the transaction ID.

maureensylvia:
Let me show you one of the ways I spotted the 2.1 million fake alert

1. The fonts
2. No session ID
3. Under the beneficiary, they messed it up too

The two receipts looks alike right?

Well, it's same Joe...minor difference

Ok now let's go deeper

Aside from the session ID

Check the font of the access bank beside the logo

Compare the original with the fake receipt

Secondly

Did you all see the space between the Transaction receipt and generated from access more?

The space in the fake is closer than the original

Did you grab it?

The very first line is the one that convinced me.
Bank will NEVER write Naira in figures without showing the kobo.
That's enough for me!

maureensylvia:
Some alerts are so fake that you'll see the money reflecting on your bank app. Go ask ndi me afia that deals on heavy transactions daily if they have time to confirm

Aunty.. How can you say seeing a transaction Reciept is more valid than you seeing the momey reflect in your account?

U know wetin u dey talk so?

jmoore:
Fake alert can never reflect on the bank app. NEVER!

And anyone that doesn't have time to confirm credit alert is setting him/herself up to be scammed.

Exactly.. Don't mind her.. How can fake alert reflect on a bank app

zombieHUNTER:
They won't give you space for confirmation, once they send the receipt

i know how it sounds, but many Nigerians have been victims

Na u no wan check, if u wan check, ẹ no go hold your phone