₦airaland Forum

gaddafe:
Sex

This strategy will not work on most regular banks except it's fintech. Most bank will not allow you use their app without an ATM card.

You can use Secure Pass - atleast I did so with UBA.

GTBank was my once favorite bank, today I have stop using the bank because they keep stealing money from my account, giving me negative balance even when I did not make any transaction from the account.

autoez:
It could be his child or someone close to him. Out of millions of customers, why judge the whole bank because of one person? Don't come online to damage the reputation of a well-established business over a simple mistake. GTBank has been serving customers across Africa for years and has built a strong reputation.

Don't mind all these Fintech people trying to rubbish mainstream Banks to get more customers using a faceless forum like this and Seun is allowing it.

GloriousGbola:
It is called family fraud.

Someone close to you is getting your card details.

Not necessarily Bro. That's old school. I strongly suspect that his ACCOUNT is the one that is compromised via his PHONE! That way, even if he changes cards a million times, his money will still disappear. As a rule, mind the source and type of apps you install on your phone plus be careful who has access to play around with your phone.

symbianDON:
Not necessarily Bro. That's old school. I strongly suspect that his ACCOUNT is the one that is compromised via his PHONE! That way, even if he changes cards a million times, his money will still disappear. As a rule, mind the source and type of apps you install on your phone plus be careful who has access to play around with your phone.

True that. Also why banking apps will not work on rooted phones. I don't do pirated apps anymore, but if I did I would not run them on my daily driver.

Could even be something as simple as buying a used phone or device and failing to wipe it properly

Do people still use GT bank ? Even after the wahala with INNOCENT CHUKWUMA .

GloriousGbola:
True that. Also why banking apps will not work on rooted phones. I don't do pirated apps anymore, but if I did I would not run them on my daily driver.

Could even be something as simple as buying a used phone or device and failing to wipe it properly

exactly my point! Some pre-owned phones had even been rooted or made to run on custom firmware by the previous owners, making them vulnerable in terms of security.

The banks are the ones committing the fraud…I Dey go festac one day,naso I withdraw 10k for fcmb atm,Omo as I go enter bus naso conductor throw me come down for bus,say na fake money I carry come.4k inside the 10k na fake..Another day,My mama open new first bank account 2days ago and the 3rd day,Scammers Dey call her for her pin and to send code.How come did they know..Someone in the bank is sending her details out to scammers..

phr0nesis:
I had similar issue when I got debit twice. I lost ₦60k plus, and when I contacted their customer care, I got the same response.
What I don't understand is that whenever I input my card details to make an online payment, an OTP code is always required, but a thief with my card details just withdraws my money without me receiving any code. How?

Oga, there are different payment routes that do not require otp especially with foreign merchants. I have written her before of 2014 period I had to buy some parts from abroad, they sent an invoice, I then called them to ask how to make payment, the guy asked for my card number and expiry date, I barely finished calling when I got debit alert, how? No otp etc.
Another mistake people make is to see something on Facebook and make payment, walai 99% of the na scam, most don't even go through Google play, you are giving the merchant your info directly. They can debit you weekly, daily or monthly. Eg, my elderly mother complained to be that her money was alway shorting in her account, infact she had gone to bank to complain, no solution, I checked her debit alert, she had about 4 items making regular debits, In facts one debited as I was with her phone, 60k (naira equivalent of dollar) every 3 days, the others were weekly, between 10k- 20k and this had gone on for months!
From my investigations I found out it was from FB, all those apps that will show you soap opera, short clip that will draw your attention, then you will want to see the rest and then she will put her card number, they will say it is a one time charge with small money, for where it is just to get access to your account. I then started deleting those apps from her phone one by one, I went to playstore to stop the payments, guess what? The apps were not on the payment schedule not to talk of being able to cancel.
I had to call her bank, what we arrived at as the only solution was to destroy the card, declare it stolen and blocked in the bank, then apply for new card, that was what stopped the payments. In those few months she lost plenty plenty money.

That person's domestic staff or children are responsible for those frauds.
You have the right to believe it or not.

I've been using GTB since 2007 and my first fraudulent deduction happened this year after my card spent the easter weekend stuck in the GTB atm. About 24k. I have complained and this people said they would respond in 90 days. I have moved all my transactions away from the bank sha. I would have closed the account but some people have the details and just transfer there without asking me first.

Been hearing % reading negative stuff about this GTB.. Nah to com 9JA b4 2027 election and transfer my Ego to FIRST BANK and ECO .I have had enuf

Check the people around you, somebody is using your card details to buy/pay for something online.

AnonPoet:
After my complaint regarding persisting unauthorized debit alerts from @gtbank I got this email today.

Over N200k gone but I will consult my legal counsel on what to do. I have also concluded to close down the account because I strongly believe this happened for so long because of GTbank’s negligence.

What I still can’t understand is this: if I changed my debit card about three different times, how did the same “local WEB” merchant keep getting access to my new card details each time?

Every time I replaced my card, the unauthorised debits continued. That raises serious questions about how my card details were being updated or tokenised without my knowledge.

At some point, the responsibility goes beyond telling customers their card details were compromised. Banks also have a duty to investigate why replacing a card repeatedly failed to stop the same fraudulent transactions.

After three card replacements and months of complaints, I’ve lost confidence in GTBank’s ability to protect my account. See you on Monday to formally close the account for good.

source

This is the reason to put money in Nigerian bank dey hard me, just yesterday fidelity bank, uba was sending me message to reactive my account by funding it guess what i just funded the 2 fidelity bank account 100 naira each, uba 100 naira i no even get time for access and wema, its either opay , palmpay or kuda even moniepoint sometimes dey behave like Nigerian bank.

My question is that which card was used for the debit, is it the old one or the new card he got. Is possible he got a new card and destroyed the old ones without blocking them on his account. And how careful is he when using POS, some POS operators are criminals that if you are not vigilant they can easily capture your card details and use it behind your back. People easily blamed the banks for unauthorized debits but it turns out most times that it's as a result of the customer's negligence.

Austema:
Just that OPAY is not good for savings, no matter how big your money is, if you move it to OPAY it won't last again

You're right, the pocket nature of the app compels you to spend too much.

My wife has been complaining about this useless GTbank for sometime now because of their senseless debits everytime.


I was angry and screamed at her to withdraw her money and close the F----king account......It annoys me when people hesitate in making decisions.

How u guys cope with GTB I can never bank with them in this world or next Access bank too get her own for body
Ever since I been using Zenith I know they have the flaws oooo but am at rest

This is a very good point you made.I think you should get on all their social media pages and stress this particular point.

phr0nesis:
I had similar issue when I got debit twice. I lost ₦60k plus, and when I contacted their customer care, I got the same response.
What I don't understand is that whenever I input my card details to make an online payment, an OTP code is always required, but a thief with my card details just withdraws my money without me receiving any code. How?

It is GTbank that is stealing the money. You can Google numerous similar cases online. GTBank has long lost its pedigree, they are a rogue bank now.

This one na pure insiders work

GTB is becoming increasingly a shitty bank.

Just this week, Tuesday I guess, I received a mail that someone was trying to access my bank app (account) an hour earlier. Certainly it wasn't me, and I didn't give my phone to anyone. I tried logging in immediately but I couldn't. I called the customer care service immediately and I was only to delete the app and download another one. I tried logging in later and i was logged in.

The following morning another message came in that someone just logged into my account. It wasn't me. I had to log in again and change my login details.

The Bank is highly compromised. And it wasn't this terrible before.


I kuku don't have a shishi inside. As soon as my monthly pay enter, I will flush it out immediately.

igatit:
Gtbank is known for been finicky with their customers fund. I experienced same thing once. All I did was to block my sms alert. Once you do that, they become confined to their space.

After a while I notice, the sms alert I blocked started working again. I did not waste time. I went to the nearest branch and demanded why they should enable an authorization I have disabled. The customer care wanted to play a fast one on me by saying, there's no record I blocked my sms alert at any time.

Little did he know, I had made a copy of the indemnity form I filled to disable the sms alert. So I showed him the indemnity from my phone. He could not talk much again. I made sure a serious scene was created before I left the banking hall. He immediately disabled the sms alert.

Since then, the issue never happened again. Even though I have stopped using the account. To avoid story that will touch the heart. They can not be trusted.

The phone number tied to your bank account is the biggest asset you have to control your transactions. Once you take it off their hand. The nonsense stops immediately.

Abeg shed more light.

Your ATM is truly compromised, someone has access to it and obviously using it to make online transactions. The advice is to block the card online transaction channel and that way, no 1, including you will be able to make any online transaction with it but you can do every other transaction with it.

autoez:
It could be his child or someone close to him. Out of millions of customers, why judge the whole bank because of one person? Don't come online to damage the reputation of a well-established business over a simple mistake. GTBank has been serving customers across Africa for years and has built a strong reputation.

This is not the first time, stories that touches the heart with people's funds is told about GTB.
Hope everyone remember the case of Chief Innoson Chulwuma and VDM's mother. It's not about anyone, soiling the image of the bank on the basis of an individual mistake.
But if you think they are soiling the image of the bank because of the story of one man, my prayer for you is that may you experience what they have experienced, so as to know the pain.
May GTB happen to you, if it does happen, please don't complain, so that the image of the bank will not be damaged. Thanks

Stephen0mozzy:
You can use Secure Pass - atleast I did so with UBA.

Which one is secure pass? Without ATM you can't use Polaris bank app, Zenith bank App, GT bank app. The only alternative to some of them is hardware token.

This guy mumu pass
How can your card is compromise, the issue is yet to be resolved. You went ahead to collect card and again and again

What you although to fo is to abandon the account

Check your house... Someone you know is using your card.
Also, Visit the bank to get the details of the transaction and that may well reveal who. Ask them to provide you with the payment details. Not the the debit source. From Interswitch, you fit hear DSTV, and at DSTV you get the main account details of who used the card

Banks are able to trace this, though may take some time.

If you chose to close your account, na waste of time, as anywhere you go the person still de your house

AnonPoet:
After my complaint regarding persisting unauthorized debit alerts from @gtbank I got this email today.

Over N200k gone but I will consult my legal counsel on what to do. I have also concluded to close down the account because I strongly believe this happened for so long because of GTbank’s negligence.

What I still can’t understand is this: if I changed my debit card about three different times, how did the same “local WEB” merchant keep getting access to my new card details each time?

Every time I replaced my card, the unauthorised debits continued. That raises serious questions about how my card details were being updated or tokenised without my knowledge.

At some point, the responsibility goes beyond telling customers their card details were compromised. Banks also have a duty to investigate why replacing a card repeatedly failed to stop the same fraudulent transactions.

After three card replacements and months of complaints, I’ve lost confidence in GTBank’s ability to protect my account. See you on Monday to formally close the account for good.

source