₦airaland Forum

Report to consumer protection council

So you wan kpai because of 50k

God bless opay.... And all the fin. Tech

zinaunreal:
So you wan kpai because of 50k

Abeg dash me 50K make I rest

Jef4u:
Hello Nairalanders,

I am creating this thread to publicly call out the gross incompetence of GTBank (@gtbank) and First Bank (@FirstBankngr). I am currently completely stranded, out of cash, and cannot even afford transport fare because both banks are holding onto my money and playing games with my life.

On the 25th of May, 2026, I transferred ₦50,000 from my First Bank account to my GTBank account.

First Bank debited me instantly. After a week of crying out to both banks, First Bank customer care on X just sent me a DM confirming the transaction was successful on their end and gave me the official 30-digit NIBSS Session ID: 000016260525212658002065390897.

Here is where the wickedness from GTBank starts:
1. Over the weekend, a GTBank agent checked their deep server logs and confirmed to me on WhatsApp that they saw the transaction sitting on their server gate on a "BLANK STATUS."

2. Because they saw it, they created a formal inward dispute ticket for me with Reference ID: 260601353720618 and promised it would be credited.

3. Shockingly, this morning (Tuesday, June 2nd), another GTBank agent named Eberechi Chukwueke sent me an email (CRM:033400000396) completely contradicting the bank, claiming they have "no evidence" of the transaction and told me to go back to First Bank!

How can a bank issue a tracking reference ID for a stuck transaction on Monday, and then turn around on Tuesday to say "no evidence"?

If GTBank's server gate rejected the "blank status" transaction, it means the ₦50,000 has automatically reversed back into First Bank’s internal suspense ledger, and First Bank is lazily sitting on my money without crediting my app dashboard!

I am stuck at home, starving, and stranded. Both banks need to stop passing the buck. One of you is sitting on my ₦50,000.

Please help me tag @gtbank and @FirstBankngr handles on social media. Moderators, please move this to the Front Page to save an innocent customer from this institutional nightmare!

so U are home awaiting magic abi?
I had to walk into zenith bank for 2k data I subscribed that didn't go and I was debited ,
oga Waka enter bank ,
nairaland ain't Ur bank

Go back to FBN let them reconfirm the status of the transaction, GTB has little to do about it. They can even recall the transaction since it hasn't hit your account in GTB. Go with your GTB bank statements from a day before the transaction till date. In that case FBN will have no excuse but to follow up for the reconciliation, your money is definitely sitting in one of their suspense GL accounts

ceejay80s:
so U are home awaiting magic abi?
I had to walk into zenith bank for 2k data I subscribed that didn't go and I was debited ,
oga Waka enter bank ,
nairaland ain't Ur bank

If you go to Firstbank with any complaint you will fill form then wait for a very long time for your turn then they will ask you to come back the following week. This is if you are very lucky their network is good.

Jef4u:
Hello Nairalanders,

I am creating this thread to publicly call out the gross incompetence of GTBank (@gtbank) and First Bank (@FirstBankngr). I am currently completely stranded, out of cash, and cannot even afford transport fare because both banks are holding onto my money and playing games with my life.

On the 25th of May, 2026, I transferred ₦50,000 from my First Bank account to my GTBank account.

First Bank debited me instantly. After a week of crying out to both banks, First Bank customer care on X just sent me a DM confirming the transaction was successful on their end and gave me the official 30-digit NIBSS Session ID: 000016260525212658002065390897.

Here is where the wickedness from GTBank starts:
1. Over the weekend, a GTBank agent checked their deep server logs and confirmed to me on WhatsApp that they saw the transaction sitting on their server gate on a "BLANK STATUS."

2. Because they saw it, they created a formal inward dispute ticket for me with Reference ID: 260601353720618 and promised it would be credited.

3. Shockingly, this morning (Tuesday, June 2nd), another GTBank agent named Eberechi Chukwueke sent me an email (CRM:033400000396) completely contradicting the bank, claiming they have "no evidence" of the transaction and told me to go back to First Bank!

How can a bank issue a tracking reference ID for a stuck transaction on Monday, and then turn around on Tuesday to say "no evidence"?

If GTBank's server gate rejected the "blank status" transaction, it means the ₦50,000 has automatically reversed back into First Bank’s internal suspense ledger, and First Bank is lazily sitting on my money without crediting my app dashboard!

I am stuck at home, starving, and stranded. Both banks need to stop passing the buck. One of you is sitting on my ₦50,000.

Please help me tag @gtbank and @FirstBankngr handles on social media. Moderators, please move this to the Front Page to save an innocent customer from this institutional nightmare!

i don see pepper for access and gt hand, i jejely go moniepoint.no deduction of 400 per month, no 50#monthly deduction.for ATM card.all those 20 naira deduction for ussd no dey.instant credit and debit transactions , less than 2 secs.if u receive above 10k, na 10# go commot. anything below 10k, is free. I remove all my cash for access and gt put inside.

If u have a lawyer friend that loves small trouble then contact him/her to write either/or both banks on your behalf (pro bono).
These fuckers need to be taught lessons.
Na so dem do me during covid era
I got debited
Transaction failed on pos terminal
Banks weren't working
I wrote emails
Spent monies on calling customer care
No level after almost 2 weeks
Had to call out gtb on Facebook and got the issue resolved within 48hrs

efeski:
If u have a lawyer friend that loves small trouble then contact him/her to write either/or both banks on your behalf (pro bono).
These fuckers need to be taught lessons.
Na so dem do me during covid era
I got debited
Transaction failed on pos terminal
Banks weren't working
I wrote emails
Spent monies on calling customer care
No level after almost 2 weeks
Had to call out gtb on Facebook and got the issue resolved within 48hrs

There supposed to be a penalty for such failure in service delivery and witholding of people's money

Write to CBN and copy the banks, they will resolve it sharply.

Or better still, threaten to report them to CBN first.

Once CBN gets involved, they'll resolve it sharply, because there's usually a fine attached if I'm right.

You can check CBN website for the mail to report to.

Na why I no trust this banks. Opay far better

Jef4u:
Hello Nairalanders,

I am creating this thread to publicly call out the gross incompetence of GTBank (@gtbank) and First Bank (@FirstBankngr). I am currently completely stranded, out of cash, and cannot even afford transport fare because both banks are holding onto my money and playing games with my life.

On the 25th of May, 2026, I transferred ₦50,000 from my First Bank account to my GTBank account.

First Bank debited me instantly. After a week of crying out to both banks, First Bank customer care on X just sent me a DM confirming the transaction was successful on their end and gave me the official 30-digit NIBSS Session ID: 000016260525212658002065390897.

Here is where the wickedness from GTBank starts:
1. Over the weekend, a GTBank agent checked their deep server logs and confirmed to me on WhatsApp that they saw the transaction sitting on their server gate on a "BLANK STATUS."

2. Because they saw it, they created a formal inward dispute ticket for me with Reference ID: 260601353720618 and promised it would be credited.

3. Shockingly, this morning (Tuesday, June 2nd), another GTBank agent named Eberechi Chukwueke sent me an email (CRM:033400000396) completely contradicting the bank, claiming they have "no evidence" of the transaction and told me to go back to First Bank!

How can a bank issue a tracking reference ID for a stuck transaction on Monday, and then turn around on Tuesday to say "no evidence"?

If GTBank's server gate rejected the "blank status" transaction, it means the ₦50,000 has automatically reversed back into First Bank’s internal suspense ledger, and First Bank is lazily sitting on my money without crediting my app dashboard!

I am stuck at home, starving, and stranded. Both banks need to stop passing the buck. One of you is sitting on my ₦50,000.

Please help me tag @gtbank and @FirstBankngr handles on social media. Moderators, please move this to the Front Page to save an innocent customer from this institutional nightmare!

When fbn says its succeessful, its always successful. Your money is with gtb

Jef4u:
There supposed to be a penalty for such failure in service delivery and witholding of people's money

It's not the fault of either banks. Nigeria banks are very fast in inter-bank transactions. NIBSS experienced network downtime and it affected interbank transfers. Reach out to the issuing bank for resolution.

femi4:
When fbn says its succeessful, its always successful. Your money is with gtb

Many successful transactions were reversed on that date. He should reach out to the originating bank.

Rutherinspace:
Many successful transactions were reversed on that date. He should reach out to the originating bank.

FBN dont move like that...if its reversed, it will be in your account even with the charges reversed

femi4:
FBN dont move like that...if its reversed, it will be in your account even with the charges reversed

You clearly don't know how inter-bank transactions work. FBN is not the one initiating the reversal. There was a glitch at the settlement system. They are responsible for most reversals and not the banks.

Rutherinspace:
You clearly don't know how inter-bank transactions work. FBN is not the one initiating the reversal. There was a glitch at the settlement system. They are responsible for most reversals and not the banks.

I ve been using FBN for decades. I am not new to glitch.

Whenever money got reversed, you ll see it in your statement or mobile bank history...they are so efficient like that

Few yrs ago, they had 24hrs glitch n everything was rectified the following day with reversed notification / emails etc

femi4:
I ve been using FBN for decades. I am not new to glitch.

Whenever money got reversed, you ll see it in your statement or mobile bank history...they are so efficient like that

Few yrs ago, they had 24hrs glitch n everything was rectified the following day with reversed notification / emails etc

The glitch was not caused by FBN. Billions were trapped. FBN can confirm if the transaction was successful or not by checking their automated reconciliation or acknowledgement from the receiving bank. Most of the glitches are not from the banks. This was from the settlement system and it messes things up.

Rutherinspace:
The glitch was not caused by FBN. Billions were trapped. FBN can confirm if the transaction was successful or not by checking their automated reconciliation or acknowledgement from the receiving bank. Most of the glitches are not from the banks. This was from the settlement system and it messes things up.

How do I get my money back on time please?

Jef4u:
How do I get my money back on time please?

The bank that debited you is responsible for tracing your funds. Call/visit the bank and ask them to trace your transfer using the session ID.
They'll update you on the status of the transaction.

Rutherinspace:
The glitch was not caused by FBN. Billions were trapped. FBN can confirm if the transaction was successful or not by checking their automated reconciliation or acknowledgement from the receiving bank. Most of the glitches are not from the banks. This was from the settlement system and it messes things up.

And where did I say it was caused by FBN

Read to understand not to argue

Jef4u:
Hello Nairalanders,

I am creating this thread to publicly call out the gross incompetence of GTBank (@gtbank) and First Bank (@FirstBankngr). I am currently completely stranded, out of cash, and cannot even afford transport fare because both banks are holding onto my money and playing games with my life.

On the 25th of May, 2026, I transferred ₦50,000 from my First Bank account to my GTBank account.

First Bank debited me instantly. After a week of crying out to both banks, First Bank customer care on X just sent me a DM confirming the transaction was successful on their end and gave me the official 30-digit NIBSS Session ID: 000016260525212658002065390897.

Here is where the wickedness from GTBank starts:
1. Over the weekend, a GTBank agent checked their deep server logs and confirmed to me on WhatsApp that they saw the transaction sitting on their server gate on a "BLANK STATUS."

2. Because they saw it, they created a formal inward dispute ticket for me with Reference ID: 260601353720618 and promised it would be credited.

3. Shockingly, this morning (Tuesday, June 2nd), another GTBank agent named Eberechi Chukwueke sent me an email (CRM:033400000396) completely contradicting the bank, claiming they have "no evidence" of the transaction and told me to go back to First Bank!

How can a bank issue a tracking reference ID for a stuck transaction on Monday, and then turn around on Tuesday to say "no evidence"?

If GTBank's server gate rejected the "blank status" transaction, it means the ₦50,000 has automatically reversed back into First Bank’s internal suspense ledger, and First Bank is lazily sitting on my money without crediting my app dashboard!

I am stuck at home, starving, and stranded. Both banks need to stop passing the buck. One of you is sitting on my ₦50,000.

Please help me tag @gtbank and @FirstBankngr handles on social media. Moderators, please move this to the Front Page to save an innocent customer from this institutional nightmare!

When we tell you people to use online banking like opay and moniepoint, you people will be shouting they don't have office up and down. The ones that have office how far?

eallstar:
When we tell you people to use online banking like opay and moniepoint, you people will be shouting they don't have office up and down. The ones that have office how far?

There are occasions that needs convensional banks e.g. salary and some contract payments

femi4:
And where did I say it was caused by FBN

Read to understand not to argue

If you understand how inter-bank transfers work you won't be typing FBN being efficient and reversals. I can teach you the workflow if you're willing to learn and then you'll realize what you typed doesn't make sense.

Jef4u:
Hello Nairalanders,

I am creating this thread to publicly call out the gross incompetence of GTBank (@gtbank) and First Bank (@FirstBankngr). I am currently completely stranded, out of cash, and cannot even afford transport fare because both banks are holding onto my money and playing games with my life.

On the 25th of May, 2026, I transferred ₦50,000 from my First Bank account to my GTBank account.

First Bank debited me instantly. After a week of crying out to both banks, First Bank customer care on X just sent me a DM confirming the transaction was successful on their end and gave me the official 30-digit NIBSS Session ID: 000016260525212658002065390897.

Here is where the wickedness from GTBank starts:
1. Over the weekend, a GTBank agent checked their deep server logs and confirmed to me on WhatsApp that they saw the transaction sitting on their server gate on a "BLANK STATUS."

2. Because they saw it, they created a formal inward dispute ticket for me with Reference ID: 260601353720618 and promised it would be credited.

3. Shockingly, this morning (Tuesday, June 2nd), another GTBank agent named Eberechi Chukwueke sent me an email (CRM:033400000396) completely contradicting the bank, claiming they have "no evidence" of the transaction and told me to go back to First Bank!

How can a bank issue a tracking reference ID for a stuck transaction on Monday, and then turn around on Tuesday to say "no evidence"?

If GTBank's server gate rejected the "blank status" transaction, it means the ₦50,000 has automatically reversed back into First Bank’s internal suspense ledger, and First Bank is lazily sitting on my money without crediting my app dashboard!

I am stuck at home, starving, and stranded. Both banks need to stop passing the buck. One of you is sitting on my ₦50,000.

Please help me tag @gtbank and @FirstBankngr handles on social media. Moderators, please move this to the Front Page to save an innocent customer from this institutional nightmare!

Sorry oh
Please send your official complaint against the banks to the Central Bank of Nigeria’s Consumer Protection Department at cpd@cbn.gov.ng.

Before escalating an issue to the CBN, you are required to first lodge the complaint directly with your bank and allow them a minimum of 14 days (or the stipulated regulatory timeframe) to resolve it.

When you send your email to the CBN, include the following details:

Your full name, account number, and contact details

The name and branch of the bank you are reporting

The date and channel of the transaction in question

The exact amount involved

Details of your complaint and proof that you already reported it to your bank (e.g., Complaint Reference Number, screenshots of previous emails, and receipts)
You can also copy contact@fccpc.gov.ng (Federal Competition and Consumer Protection Commission) to ensure wider oversight.

chiboycue:
Sorry oh
Please send your official complaint against the banks to the Central Bank of Nigeria’s Consumer Protection Department at cpd@cbn.gov.ng.

Before escalating an issue to the CBN, you are required to first lodge the complaint directly with your bank and allow them a minimum of 14 days (or the stipulated regulatory timeframe) to resolve it.

When you send your email to the CBN, include the following details:

Your full name, account number, and contact details

The name and branch of the bank you are reporting

The date and channel of the transaction in question

The exact amount involved

Details of your complaint and proof that you already reported it to your bank (e.g., Complaint Reference Number, screenshots of previous emails, and receipts)
You can also copy contact@fccpc.gov.ng (Federal Competition and Consumer Protection Commission) to ensure wider oversight.

Thank you.

chiboycue:
Sorry oh
Please send your official complaint against the banks to the Central Bank of Nigeria’s Consumer Protection Department at cpd@cbn.gov.ng.

Before escalating an issue to the CBN, you are required to first lodge the complaint directly with your bank and allow them a minimum of 14 days (or the stipulated regulatory timeframe) to resolve it.

When you send your email to the CBN, include the following details:

Your full name, account number, and contact details

The name and branch of the bank you are reporting

The date and channel of the transaction in question

The exact amount involved

Details of your complaint and proof that you already reported it to your bank (e.g., Complaint Reference Number, screenshots of previous emails, and receipts)
You can also copy contact@fccpc.gov.ng (Federal Competition and Consumer Protection Commission) to ensure wider oversight.

Nice

Opay and Palmpay will not even try this shii but trust the usual brick and mortar bank in Nigeria to always drag their already battered image in the mud, ordinarily, both banks don't even need to involve the customer going back and forth before this would be resolved but trust me, Nigeria will always be Nigeria, anyhowness is a big thing here.

LagbajaTheBEREAN:
Opay and Palmpay will not even try this shii but trust the usual brick and mortar bank in Nigeria to always drag their already battered image in the mud, ordinarily, both banks don't even need to involve the customer going back and forth before this would be resolved but trust me, Nigeria will always be Nigeria, anyhowness is a big thing here.

Our major problem in this country is that we dont punish/sanction people for incompetency/neglect of duty

Jef4u:
Our major problem in this country is that we dont punish/sanction people for incompetency/neglect of duty

A reason our leaders don't even rate us one bit.

Jef4u:
Thank you.

You are welcome