₦airaland Forum

Sonofgod1990:
Naso this gtb Bank withheld my 16 million naira till today. I will sue them when I get back to Nigeria next year

you get 16k?

tammie24:
you get 16k?

Drop aza make I bless you small
I'm not even in Nigeria currently but I'll do it for you today

The issue it definitely with first bank and not GTBank

tammie24:
The issue it definitely with first bank and not GTBank

As it is I dont know where my money is and when I will get it

MT:
Escalate to the central bank customer protection department

@op, follow the above advise.

To report a fraudulent act by your bank to the Central Bank of Nigeria (CBN), you must first lodge a formal complaint directly with your bank.

If your bank fails to resolve the issue within 14 days, you can escalate the matter to the CBN.

Step 1: Report to Your Bank First.
Visit the specific branch where the fraudulent transaction occurred or where you opened your account.

-- Submit a formal written complaint (letters are better than verbal complaints).

-- Ensure you collect a Complaint Reference Number or a stamped, acknowledged copy of your letter.
Wait 14 working days for them to resolve or respond to the issue.

Step 2: Escalate to the CBN.
If your bank fails to resolve the issue or ignores your complaint after 14 days, you can escalate the petition to the CBN's Consumer Protection Department (CPD) using any of the following channels:

1. Email: Send an email detailing your complaint to cpd@cbn.gov.ng or contactcbn@cbn.gov.ng, and copy info@efcc.gov.ng, DEI@EFCC.GOV.NG, copy gtbank, copy first bank.

2. Physical Letter: Address a formal petition to:

The Director,
Consumer Protection Department, Central Bank of Nigeria,
Central Business District,
Abuja

Note: You can submit this letter in person at the CBN Head Office or at any of their branch offices nationwide.

3. Phone Contact:
You can reach the CPD by phone at +234 817 665 7060,
+234 707 338 4828, or
+234 700 2255 226.


Required Information for Your Petition

Whether writing an email or a letter, your complaint must be clear, concise, and include the following:
-- Your full name,
-- contact address,
-- phone number, and
-- email address.
-- The name of your bank and the specific branch.
--Your personal banking details (e.g., account numbers).
Do not include your PIN or passwords.
-- The history and exact date of the fraudulent transaction.
-- The total amount disputed/claimed.
-- Evidence: Attach copies of transaction alerts, screenshots of debits, and a copy of the initial complaint made to your bank along with its Reference Number.

@op, I did the above and got my money. My own even stayed more than a year with them before I got the clue. Good luck

I don't think GTB is upright as expected.
I will change from that bank

See, your money is likely to be with Firstbnk.

This thing happened to me, btw FCMB and Opay. In fact, the fund was initially showing 'incoming' on Opay before it showed failed.

Both denied me for almost 3 weeks before FCMB eventually credited me the amount back.

Put pressure on the sending bank, they should take responsibility (worse case they do charge back).

Copy CBN (complaint unit) in your correspondences with the bank.

My brother you don sabi this people jargon finish pass to get you cash back, lo and behold Nigeria keep happening!

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!

CreatedtwoRule:
My brother you don sabi this people jargon finish pass to get you cash back, lo and behold Nigeria keep happening!

I am here stranded and they are just doing one touch game with me. It is very frustrating

You wan put your life-savings for opay account!

faoogoke:
Try open opay or moniepoint account. You get less wahala.
These banks are a problem.

So you want to put your life-savings inside opay?

Codedworld1:
Na why I no trust this banks. Opay far better

Love800:
So you want to put your life-savings inside opay?

This same narrative every year. They are operating on a microfinance licence.

If you are asked what happens if all your money is with opay. You'll say ..They'll suddenly disappear or they don't have a physical office?
If you are asked how many banks have disappeared with investors funds.. you still won't have an answer.

Has piggyvest, risvest cowrywise disappeared?

Year after year they've shown you they are reliable yet you keep trying to spread unnecessary fear.

Hold that GTBank very well, That was how N50,000 was mysteriously debited from my wife's GTbank account and sent to a U.B.A acct number.
It was never resolved since a year ago. I am sure it is one of their staff. Very thiefery bank.

Firstinline:
Hold that GTBank very well, That was how N50,000 was mysteriously debited from my wife's GTbank account and sent to a U.B.A acct number.
It was never resolved since a year ago. I am sure it is one of their staff. Very thiefery bank.

unbelievable things are hapening in this country. Just imagine this my problem that supposed to be solved with one or two clicks but they are busy sending me different useless emails

Anytime I have bank payment issue with gtbank. I know it's a tug of war. They have designed the bank to steal customers money

emmyileri:
Anytime I have bank payment issue with gtbank. I know it's a tug of war. They have designed the bank to steal customers money

I have never been in red spot like this before. I am stranded and the dribling continue

Unnecessary fear you say!
We are talking about futuristic fears because they are called fintechs for a reason.

Anyway, have a great day ahead.
I appreciate.

Kelvinnchucks:
This same narrative every year. They are operating on a microfinance licence.

If you are asked what happens if all your money is with opay. You'll say ..They'll suddenly disappear or they don't have a physical office?
If you are asked how many banks have disappeared with investors funds.. you still won't have an answer.

Has piggyvest, risvest cowrywise disappeared?

Year after year they've shown you they are reliable yet you keep trying to spread unnecessary fear.

Love800:
Unnecessary fear you say!
We are talking about futuristic fears because they are called fintechs for a reason.

Anyway, have a great day ahead.
I appreciate.

Lol was heritage bank a "fintech"?..
Please it's 2026..

(FINAL UPDATE: SUCCESS!) ₦50,000 Credit Alert Received! The Complete Truth, Agent Incompetence Exposed & The Solution For Nigerian Banks

AN IMMENSE THANK YOU TO NAIRALAND!

I want to express my deepest appreciation to every single member of this community who commented, shared, and tagged the banks.
A special, massive thank you to the Section Moderators for pushing this thread to the Front Page. Your intervention generated over 6,678 views and nearly 82 comments, completely breaking the institutional silence and forcing a rapid resolution. Without this community, I would still be stranded today.

THE TIMELINE: WHAT ACTUALLY TRANSPIRED

The central national ledger records confirm the absolute truth of what happened to my money:

• May 25, 2026: I transferred ₦50,000 from First Bank to GTBank. First Bank debited me instantly, but no credit alert arrived.

• The System Glitch: A major infrastructure glitch hit the NIBSS (Nigeria Interbank Settlement System) central network switch, trapping my transaction in transit with a "BLANK STATUS."

• The Runaround: First Bank claimed the transfer was successful but their system closed my ticket as "Resolved" just for sending an informational email. GTBank generated an inward credit tracking number, but a different department sent an email a day later claiming "No Evidence" of the money.

• The Climax: After the Nairaland thread went viral, First Bank's central dispute desk launched a manual network trace while GTBank merged my accounts under high-priority ticketing deadlines.

• The Resolution: The official NIBSS database log (sent by first bank today) explicitly shows a successful Settlement. GTBank had the money in their server infrastructure all along. Faced with viral exposure, regulatory CBN reporting, and the unalterable NIBSS log proof, GTBank manually cleared the blank status flag and credited my account before the close of business.

THE PROBLEM: CRITICAL AGENT INCOMPETENCE

This nightmare exposed a severe lack of training and meticulousness among frontline banking staff:

• Lazy Dashboard Checking: When an agent opens your account and says "there is no evidence of funds," they are only looking at your basic transaction history. They completely fail to look at deeper backend server gates where unapplied funds sit stuck.

• Contradictory Tickets: One agent can acknowledge a problem and create a ticket, while another agent lazily closes it a few hours later using a standard template to clear their workspace queue.

• Fear of Scammers: The moment a customer care thread goes public, fake "Tactical Teams" slide into DMs asking users to download external apps like the GT e-Token Plus app to steal their money. True bank agents never do this, yet the banks do very little to secure their official public handles from these predators.

THE SOLUTION: HOW BANKS CAN PREVENT CUSTOMER SUFFERING

Nigerian banks must upgrade their operations to stop punishing innocent customers for network glitches:

• Automated Suspense Mapping: If a transaction generates an official NIBSS Session ID but fails to drop cleanly into a retail account due to a system freeze, the receiving bank's server should automatically flag it to an internal reconciliation queue within 2 hours, rather than waiting for customer complaints.

• Unified CRM History: Internal ticketing systems must be locked. An agent should never be allowed to issue a "No Evidence" denial if an active tracking number already exists on that exact same Session ID within their network infrastructure.

• Mandatory B2B NIBSS Tracing: Frontline staff must have immediate access to look up NIBSS response codes. If a transaction carries a success code, the bank must be mandated to manually credit the customer immediately rather than telling them to "go back to the sending bank."


Thank you once again, Nairaland. We fought corporate bureaucracy together, and we won!

Case closed.

Okay.

I appreciate.

Kelvinnchucks:
Lol was heritage bank a "fintech"?..
Please it's 2026..

GravityDefier:
@op, follow the above advise.

To report a fraudulent act by your bank to the Central Bank of Nigeria (CBN), you must first lodge a formal complaint directly with your bank.

If your bank fails to resolve the issue within 14 days, you can escalate the matter to the CBN.

Step 1: Report to Your Bank First.
Visit the specific branch where the fraudulent transaction occurred or where you opened your account.

-- Submit a formal written complaint (letters are better than verbal complaints).

-- Ensure you collect a Complaint Reference Number or a stamped, acknowledged copy of your letter.
Wait 14 working days for them to resolve or respond to the issue.

Step 2: Escalate to the CBN.
If your bank fails to resolve the issue or ignores your complaint after 14 days, you can escalate the petition to the CBN's Consumer Protection Department (CPD) using any of the following channels:

1. Email: Send an email detailing your complaint to cpd@cbn.gov.ng or contactcbn@cbn.gov.ng, and copy info@efcc.gov.ng, DEI@EFCC.GOV.NG, copy gtbank, copy first bank.

2. Physical Letter: Address a formal petition to:

The Director,
Consumer Protection Department, Central Bank of Nigeria,
Central Business District,
Abuja

Note: You can submit this letter in person at the CBN Head Office or at any of their branch offices nationwide.

3. Phone Contact:
You can reach the CPD by phone at +234 817 665 7060,
+234 707 338 4828, or
+234 700 2255 226.


Required Information for Your Petition

Whether writing an email or a letter, your complaint must be clear, concise, and include the following:
-- Your full name,
-- contact address,
-- phone number, and
-- email address.
-- The name of your bank and the specific branch.
--Your personal banking details (e.g., account numbers).
Do not include your PIN or passwords.
-- The history and exact date of the fraudulent transaction.
-- The total amount disputed/claimed.
-- Evidence: Attach copies of transaction alerts, screenshots of debits, and a copy of the initial complaint made to your bank along with its Reference Number.

@op, I did the above and got my money. My own even stayed more than a year with them before I got the clue. Good luck

Good read.

Jef4u:
(FINAL UPDATE: SUCCESS!) ₦50,000 Credit Alert Received! The Complete Truth, Agent Incompetence Exposed & The Solution For Nigerian Banks

AN IMMENSE THANK YOU TO NAIRALAND!

I want to express my deepest appreciation to every single member of this community who commented, shared, and tagged the banks.
A special, massive thank you to the Section Moderators for pushing this thread to the Front Page. Your intervention generated over 6,678 views and nearly 82 comments, completely breaking the institutional silence and forcing a rapid resolution. Without this community, I would still be stranded today.

THE TIMELINE: WHAT ACTUALLY TRANSPIRED

The central national ledger records confirm the absolute truth of what happened to my money:

• May 25, 2026: I transferred ₦50,000 from First Bank to GTBank. First Bank debited me instantly, but no credit alert arrived.

• The System Glitch: A major infrastructure glitch hit the NIBSS (Nigeria Interbank Settlement System) central network switch, trapping my transaction in transit with a "BLANK STATUS."

• The Runaround: First Bank claimed the transfer was successful but their system closed my ticket as "Resolved" just for sending an informational email. GTBank generated an inward credit tracking number, but a different department sent an email a day later claiming "No Evidence" of the money.

• The Climax: After the Nairaland thread went viral, First Bank's central dispute desk launched a manual network trace while GTBank merged my accounts under high-priority ticketing deadlines.

• The Resolution: The official NIBSS database log (sent by first bank today) explicitly shows a successful Settlement. GTBank had the money in their server infrastructure all along. Faced with viral exposure, regulatory CBN reporting, and the unalterable NIBSS log proof, GTBank manually cleared the blank status flag and credited my account before the close of business.

THE PROBLEM: CRITICAL AGENT INCOMPETENCE

This nightmare exposed a severe lack of training and meticulousness among frontline banking staff:

• Lazy Dashboard Checking: When an agent opens your account and says "there is no evidence of funds," they are only looking at your basic transaction history. They completely fail to look at deeper backend server gates where unapplied funds sit stuck.

• Contradictory Tickets: One agent can acknowledge a problem and create a ticket, while another agent lazily closes it a few hours later using a standard template to clear their workspace queue.

• Fear of Scammers: The moment a customer care thread goes public, fake "Tactical Teams" slide into DMs asking users to download external apps like the GT e-Token Plus app to steal their money. True bank agents never do this, yet the banks do very little to secure their official public handles from these predators.

THE SOLUTION: HOW BANKS CAN PREVENT CUSTOMER SUFFERING

Nigerian banks must upgrade their operations to stop punishing innocent customers for network glitches:

• Automated Suspense Mapping: If a transaction generates an official NIBSS Session ID but fails to drop cleanly into a retail account due to a system freeze, the receiving bank's server should automatically flag it to an internal reconciliation queue within 2 hours, rather than waiting for customer complaints.

• Unified CRM History: Internal ticketing systems must be locked. An agent should never be allowed to issue a "No Evidence" denial if an active tracking number already exists on that exact same Session ID within their network infrastructure.

• Mandatory B2B NIBSS Tracing: Frontline staff must have immediate access to look up NIBSS response codes. If a transaction carries a success code, the bank must be mandated to manually credit the customer immediately rather than telling them to "go back to the sending bank."


Thank you once again, Nairaland. We fought corporate bureaucracy together, and we won!

Case closed.

Happy for you bro.

mindtricks:
Happy for you bro.

Thank you - it is not easy beacause the responses from GTBank were very discouraging, just like my money has lost

I am facing something similar but mine is between Opay and Zenith Bank.

Sent money from my Opay to my Zenith Bank, got debited on my Opay but the money never reflected in my Zenith Bank.

Called Zenith Bank repeatedly and they insist that the transaction never entered my Zenith bank. OPay is showing it has gone with full session id to show. I am on the verge of losing it .

Is my money with OPay or Zenith Bank??