Customer Sues Opay, Says Account Restriction Led To Father’s Death - Nairaland General

Customer Sues Opay, Says Account Restriction Led To Father’s Death - Nairaland General - Nairaland

Nairaland Forum › Nairaland General › Customer Sues Opay, Says Account Restriction Led To Father’s Death (15642 Views)

Customer Sues Opay, Says Account Restriction Led To Father’s Death by Newsextra014(op): 9:20pm On Feb 08

Opay Digital Service Limited, one of the fintech mobile money firms operating in Nigeria, has been dragged before a Federal High Court in Lagos by one of its depositors over the alleged unlawful freezing of his account.
The applicant, Moses King, claimed that the action led to the death of his father.

King instituted the suit against Opay Digital Service Limited through a Fundamental Rights Enforcement Procedure pursuant to Section 46(3) of the 1999 Constitution of the Federal Republic of Nigeria.

In the suit marked FHC/L/CS/178/2026, filed by his lawyer, Barrister Olalekan Ogunbunmi, the applicant is seeking several reliefs against the fintech company.

He is asking the court to declare that the freezing of his account, number 8087652738, from September 17, 2025 to December 9, 2025, without a court order or just cause, was illegal, wrongful, unconstitutional, and a violation of his fundamental rights.

King further argued that the restriction prevented him from accessing N500,000 meant for his father’s hospital bills, which he said resulted in his father’s death.
Among the reliefs sought are:

A declaration that the account restriction violated his constitutional rights.

A declaration that withholding his funds without lawful authority was illegal.

A declaration that the restriction directly contributed to his father’s death.

An order directing Opay to publish a public apology in two national newspapers.

Payment of N50 million as exemplary damages.

In a 23-paragraph affidavit supporting the application, King stated that he is a trader who has long operated the account for legitimate business transactions.

He said he discovered on September 17, 2025, that he could no longer carry out transactions on the account. After contacting customer service, he was informed that a Post No Debit (PND) restriction had been placed on the account.

According to him, the company allegedly failed to provide any court order authorising the restriction and only told him he needed a court order to regain access.

He added that repeated visits and inquiries yielded no explanation.

King said his lawyer later wrote to the company requesting either removal of the lien or provision of a court order. However, he claimed that the company admitted there was no court order and that the restriction was based on an internal bank report.

He stated that the funds in the account were specifically meant to pay his father’s hospital bills, but the restriction left him unable to access the money.

“That inability to access my personal savings account led to the death of my father because I could not pay his hospital bills,” he averred.

He also maintained that he has never engaged in fraudulent transactions and described himself as a law-abiding citizen.

The applicant further alleged that the restriction caused him severe hardship, forcing him at some point to rely on neighbours for food.

Opay Digital Service Limited is yet to file a response to the suit despite being served with the court processes.

Justice Daniel Osiagor has fixed March 2 for hearing of the case.

https://newsextra.com.ng/customer-sues-opay-says-account-restriction-led-to-fathers-death/

18 Likes 1 Share

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Kadejo(m): 1:04pm On Feb 12

This is serious.
There are rules of engagement in everything

28 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Wealthyonos(m): 1:04pm On Feb 12

Opay oya make una go pay... E clear

48 Likes 4 Shares

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by KomonSense: 1:05pm On Feb 12

youtubealgorithm

Opay don buy market oooo

19 Likes 3 Shares

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Nobody: 1:06pm On Feb 12

Them placing the restriction is not the issue. Opay customer service is extremely poor, just pray you don’t have issue to resolve.

57 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by johncreek: 1:06pm On Feb 12

CPC
I honestly don’t have extra 40 characters to add.

4 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Didijiji: 1:06pm On Feb 12

OPay don enter

The staff way guff na I’m enter deepest part

🤣🤣🤣🤣🤣

2 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Ingriid(f): 1:06pm On Feb 12

If true, this is so heartbreaking.

May his soul RIP

24 Likes 3 Shares

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by LagosOrigin: 1:06pm On Feb 12

Very good
Opay don buy market

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by OlujobaSamuel: 1:07pm On Feb 12

What was the reason for the PND?
Opay must have disclosed the reason to him him, either justifiable or not
Probably his account was used to commit fraud or a depositor reported his account due to business disagreement

10 Likes 1 Share

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by DenreleDave(m): 1:08pm On Feb 12

Whalaha ooooo

Shey opay go pay bayi shocked

18 Likes 1 Share

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Britishcoins(m): 1:08pm On Feb 12

my target this year na to collect 2m loan from opay and stop using the account..

5 Likes 2 Shares

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by kaludestiny10(m): 1:08pm On Feb 12

The bank did wrong if the petitioners side of the story is true. Why place a ban on ones account without a court order.

6 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by OlujobaSamuel: 1:08pm On Feb 12

CoinCharmer:
Them placing the restriction is not the issue. Opay customer service is extremely poor, just pray you don’t have issue to resolve.

I can attest to this.
I had to threaten them to report to CBN before they did the needful on my case.
I have 2 Opay account, 1 is active while I rarely used the other.
I have an habit of checking all my inactive bank account once in a while to know their status. On this fateful day, I logged into the inactive Opay account, saw a deposit of 100k, but reduced to #99,850 due to bank commission #100 and stamp duty charges #50, with the account having a restriction. Checking for the sender details, it's an unknown sender, checked the reason for restriction, it's because the fund was flagged due to report from the sender.
I clicked of the reversal process, but I couldn't submit it because the available fund is now less than the amount received due to the charges. That's how the back and forth with customer support started, which lasted for about 2wks.
I was like, why would you placed an account on DND for 2months for erroneous transfer without reaching out to the account holder since he needs to grant an approval for reversal. Okay, I'm interested in refunding the fund, can you pls reverse it back, they said no, I have to pay the #150 shortage, I was like why do I have to bear responsibility for the sender error or company deduction. We dragged it continuously for days, then I had to accuse them of stealing customers fund and that's the way they must have been doing to other customers. I noted the name of the last support staff I spoke with, told her I was going to report to CBN officially, she called in her supervisor to attend to me, I noted her own name to and repeated the same line, immediately after the call, one of them sent #150 to my account and I successfully submitted the reversal request.
This process took me 2wks and few days.

51 Likes 8 Shares

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by FreeStuffsNG: 1:09pm On Feb 12

So sad. Sorry for his loss.

It will be very difficult to prove if the progression of the event that led to the death had no direct link to Opay activities.

It's like suing IKEDC for power outage during a fatal surgery. IKEDC wasn't the one that caused the disease to worsen to the stage it requires surgery and the procedure doesn't fall under direct control of IKEDC decisions.

May God console the bereaved.

20 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Flangelo12: 1:10pm On Feb 12*

Opay should settle out of court.

21 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by muyico(m): 1:11pm On Feb 12

he wanna cash out!
nigerian

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Nebes: 1:12pm On Feb 12*

They need to be held accountable.
Kuda froze my account after a transaction. I simply deleted the app and left the remaining 5k for them. They're still sending me emails till date.

4 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by ajalawole(m): 1:12pm On Feb 12

Same thing palmpay do with my account, till date I can't even access it, have even response the number I use for the palmpay sha. The fintech are ever doing things.

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Eleph(m): 1:14pm On Feb 12

This one is all out to take advantage of the system in order to cash out a whopping ₦50m just like that!

Losing a loved one is always a painful thing in life, but the motive or desire to make such an humongous amount of money out of the situation says a lot about the character of the person involved.

We'll keep our fingers crossed and see what Opay will come up with in their defence and justification if any, for the action.

3 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by ajalawole(m): 1:14pm On Feb 12

Nebes:
They need be held accountable.
Kuda froze my account after a transaction. I simply deleted the app and left the remaining 5k for them. They're still sending me emails till date.

mine was during Nin linkage issue with palmpay. I later leave the account for them with my 7500 inside no stress.

4 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Efikman(m): 1:14pm On Feb 12

OPay na very useless bank app. They are simply charlatans

3 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Farmsolution: 1:15pm On Feb 12*

OlujobaSamuel:
What was the reason for the PND?
Opay must have disclosed the reason to him him, either justifiable or not
Probably his account was used to commit fraud or a depositor reported his account due to business disagreement

So if a depositor reports you to a bank does the bank has the right to put a restriction on your account without a valid court order?

5 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Pootle: 1:17pm On Feb 12

sue their Chinese assssss those fintech can be cruel at times

2 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by SmartPolician: 1:19pm On Feb 12*

I just opened my OPay account and I like the steady flow of interests. Who. Knows how to get the most from OWealth? I want to inject more funds into it.

As for this news, e no concern me undecided

4 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Chikarata2020(m): 1:20pm On Feb 12

So people dey live their life savings for opay, my money wey dey their no dey pass 10k, mainly for airtime

6 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by MrJames007: 1:20pm On Feb 12

Britishcoins:
my target this year na to collect 2m loan from opay and stop using the account..

They will track you with that kind amount.

5 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by Riskymarvelous(m): 1:25pm On Feb 12

OPay go pay money dey their hands now

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by erad(m): 1:27pm On Feb 12

Eleph:
This one is all out to take advantage of the system in order to cash out a whopping ₦50m just like that!

Losing a loved one is always a painful thing in life, but the motive or desire to make such an humongous amount of money out of the situation says a lot about the character of the person involved.

We'll keep our fingers crossed and see what Opay will come up with in their defence and justification if any, for the action.

A lot of you are legally ignorant and it shows.

6 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by OlujobaSamuel: 1:28pm On Feb 12

Farmsolution:
So if a deposit reports you to a bank does the bank has the right to put a restriction on your account without a valid court order?

Bank has power to place your account on DND under certain circumstances under CBN rule, I don't know the extent of the power, but I know it's not infinite, as that of a court order. So while they are at it, they need to get a court order for the account to remain under the PND.
Also, if your account is having a kyc issue, the bank don't need a court order, they place it on PND.

3 Likes

Re: Customer Sues Opay, Says Account Restriction Led To Father’s Death by abuhusna1: 1:29pm On Feb 12

Eleph:
This one is all out to take advantage of the system in order to cash out a whopping ₦50m just like that!

Losing a loved one is always a painful thing in life, but the motive or desire to make such an humongous amount of money out of the situation says a lot about the character of the person involved.

We'll keep our fingers crossed and see what Opay will come up with in their defence and justification if any, for the action.

If he reach your turn praise your oppressor. It is hs hard earned money and denying him right to the money violate his human right. If they feel they don't want him they could have just called him to move his money to another bank

7 Likes

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