₦airaland Forum

slightlyMad:
true.
they credit you and get to investigative work.

jeron1:
Dec 16th, 2017. A day I can NEVER forget hurriedly in my life. Got to shoprite Surulere, bought something's and made payment via POS. I didn't get SMS transaction Alert as my phone was stolen two days before.

Drove down to Lawanson (same place my phone was stolen) to make some transaction and found out that some money was missing from my account, . I immediately went beside my car, told my coworkers with me about the info, asked d amount and I calculated and gave them d figure, Three Hundred and Ninety Nine thousand, Four hundred and sixty Naira was missing (399,460).

I called my bank through the Number written on the back of the ATM card and they verified the transaction, I was a Victim of Sim card BVN fraud, first ever of Its kind in Nigeria .

Then I told them to Freeze the account with immediate effect.

I realise many people had also one time or the other gone through this kind of experience but they never got their money back as they didn't know the process to take on how to get their money back from Fraud that occurred on their account either via ATM, Online or any other platform

Here is what I did to get my money back as I it was a transaction I didn't authorised


1. I didn't keep quiet, I told a lot of people about the update. I wasn't ashame, I even posted on my timeline on Facebook. I wasn't looking for pity but to notify people about the new fraud in town and also seek for advice. I knew 90% of people won't even care as they will even laugh but that 10% of people that cared will give me solution and truly it worked.
One of the guys I told gave me the option that started the solution and that option was to write a letter to Central Bank of Nigeria, Lagos office

2. I immediately sent a mail to my bank, telling them about the debit that occurred on my account and it wasn't from me. The bank replied telling me they will investigate, I had to put a lot of pressure on them because these bank people can be very funny, they will tell you they are working on it but that's a lie

3. I wrote a petition/Complain to the "Banking Supervision Department" and "Customer Protection Department" of Central bank of Nigeria, Lagos Branch. The office is at the 11th floor of the building. Most of the workers don't know, some told me 8th floor, some said 5th floor. I had to walk that building up and down more than 6times that day before I could get the right office cos the access cards for the floors are different and I have to come down to take new access card for the different floor



Ps- make sure a copy with you is acknowledged, also provide your Email address and Phone number on the letter as they will reach you through the platform provided and tell you to negotiate with your bank and if no progress after 30 working days then write them again via the e-mail they used in communicating with you. I will provide screen shot of the mail they sent but I am trying as much as possible not to mention the bank. I never knew many Organisation in Nigeria work if I had not gone through it.

I was actually told at CBN that it will take time but I will surely get my money back that the CBN mandated banks to known your Customer (KYC) so since the money was transferred to Access bank then Access bank need to produce their customer

4. I wrote an official letter also to my branch bank Manager, informing him about the fraud on the account and telling him how it has really affected me. I Also made sure that a copy of the letter was acknowledged.

I knew it wasn't going to be an easy fight as the bank would want to put the blame on me but I was ready for them.

I was always sending them mail, calls via the telephones at any bank branch. I gave them heat and after 30 working days I sent a mail back to CBN telling them the bank is frustrating me and they are yet to refund my money and I didn't want to go to court because the matter was before the APEX bank. I didn't receive any reply from them

I went to a branch and also shouted and told them I want to see the branch manager which I saw her and also made my complain and she decided to also send a mail to the fraud unit.

Sorry to say, I received a call from the fraud unit after I wrote a petition to CBN and CBN queried them telling me how my money was transferred and giving me the account number and bank the money was transferred to, they also gave me the address of the person that owns the account but I refused to follow up as I told them that wasn't my work that they should do it.

Lastly, I called them from the bank and told. Them that was the last time I was going to talk to them in the issue that I will get a lawyer, told the Lady that picked the call to tell the management about my development, I actually got a lawyer but before the lawyer could write, I received my money back on Thursday hot afternoon via an alert...

LORRDDD:
For your mind, you were "refunded". No, the fraudster's account officer was probably pressured to pay what he/she did not eat. Someone has paid for your negligence.

jeron1:
So cos my fone was stolen will make fraudsters have access to my bank account. Use ur brain na. If they can have access to my bank account, why can't I just leave my money at home?

Chidonc:
naa u will always win the bank in court, and it is not also good for there image, reason be that there anti-fraud case should be able to track any fraud reported on an account, secondly, ur password was reset ted from someone inside a ur sim and bvn is not just enough to transfer out of ur account by a third party, except in a situation whereby u are forced to withdraw cash by urself from an atm, nothing can be done in dis situation

obstead200:
issue here is integrity.
There is a good chance u failed to block ur line immediately because u are actually colluding with the fraudsters.
If I were the bank lawyer, that would be my line of reasoning. I wud carpet u in court. And if u want to go and try the case on the media, I wud be there before u to label u a fraudster on the papers. The banks really don't owe u shit

jeron1:
Stop talking Beer parlour gist...

Pray for sense and also know ur right

I dont talk with small boiz like u that have not even seen 10k

With this, I see d reason why many of people like u are used and fooled

Califa:
If everyone can mount pressure like this, it will reduce the fraudulent activities of some lazy dumbass.
Nice one Op

cityofindustry:
The truth is this, we Nigerians do not know our rights,we do not realize that there are laws that protect consumers if properly utilized. I have in several instances in Nigeria got things done right by letting them know you are messing with the wrong person.

A few years back I was stopped along oshodi expressway by some police men , they claimed my driver violated a traffic law and the only way out was to give them money (settle them) .I know it is not a wise thing to argue with a man with a gun , I gave him 20k and told the driver to proceed on the journey.


In the vehicle, I jokingly told the driver that I will collect my money back... He was like "oga if you get your money back don't pay me salary for 3 months ,this is Nigeria" I smiled .


On our way back I asked for the nearest police station , it was makinde police station .

Immediately I got in I requested to see the head of the station they were trying to ask me questions but I said there is big trouble if I don't speak with him .



I was urshered into his office, explained that a certain guy (gave his name ) collected money from me and I want it back or I will be going to Gra ikeja to speak with the commissioner of police , I let him know that every activity from negotiation to collection of the money was video taped I claimed I forwarded the video to a trusted friend in case I was killed at the station .. see senior officers coming to the office to listen to my story .

I assured them that I am making a promise , if I get the money back I will delete the video and forget about it .



They called the boy that collected the money, he confirmed he did accept it , see slaps .. anyway my money was given back to me but not in 1000 naira bills a mixture of 50 naira 100 naira .

The main officer begged me not to do anything with the video and asked me to leave and thanked me for reporting,I said I can't , everyone must leave the office and I would be the last... they agreed cos I claimed what if I am shot at the back ....

We got outside and my driver had reclined the seat saying he was expecting a gun shot ... lol


I told the officer I had one more request .... I claimed i was on my way out of the country, and would require an escort to the airport I knew that was the safest place to go at that point .


The officer agreed ,3 guys got in their van and turned on the siren , escorted us to the airport. At that point I realized why some of these politicians never want to leave power ... the feeling was good .

Many of us do not know that there are things we can do especially when you are 100% sure you are right .

I have never shopped online on any Nigerian website but I hear stories from people who claim they got fake stuff but can't do anything about it..."leave it to God".. that's why Nigeria is still in the same situation... the banks would claim there is nothing you can do it's your fault... trust me it's a lie ... a big one there is something you can do just like the guy that posted his story.

obstead200:
lolz. E pain u wella

Small boys like me wey never see 10k abi? Oya continue living in delusion, I have made my point.
Don't need to hang around and tell u how much am worth- u don't know me anyway.

But one thing I know about "big boys" is that they are not quick to underate pple they never know. They are far wiser than That

jeron1:
Get ur statement of account also and attach it to the CBN petition

overdrive:
This petition will it be via email or typed?

jeron1:
Dec 16th, 2017. A day I can NEVER forget hurriedly in my life. Got to shoprite Surulere, bought something's and made payment via POS. I didn't get SMS transaction Alert as my phone was stolen two days before.

Drove down to Lawanson (same place my phone was stolen) to make some transaction and found out that some money was missing from my account, . I immediately went beside my car, told my coworkers with me about the info, asked d amount and I calculated and gave them d figure, Three Hundred and Ninety Nine thousand, Four hundred and sixty Naira was missing (399,460).

I called my bank through the Number written on the back of the ATM card and they verified the transaction, I was a Victim of Sim card BVN fraud, first ever of Its kind in Nigeria .

Then I told them to Freeze the account with immediate effect.

I realise many people had also one time or the other gone through this kind of experience but they never got their money back as they didn't know the process to take on how to get their money back from Fraud that occurred on their account either via ATM, Online or any other platform

Here is what I did to get my money back as I it was a transaction I didn't authorised


1. I didn't keep quiet, I told a lot of people about the update. I wasn't ashame, I even posted on my timeline on Facebook. I wasn't looking for pity but to notify people about the new fraud in town and also seek for advice. I knew 90% of people won't even care as they will even laugh but that 10% of people that cared will give me solution and truly it worked.
One of the guys I told gave me the option that started the solution and that option was to write a letter to Central Bank of Nigeria, Lagos office

2. I immediately sent a mail to my bank, telling them about the debit that occurred on my account and it wasn't from me. The bank replied telling me they will investigate, I had to put a lot of pressure on them because these bank people can be very funny, they will tell you they are working on it but that's a lie

3. I wrote a petition/Complain to the "Banking Supervision Department" and "Customer Protection Department" of Central bank of Nigeria, Lagos Branch. The office is at the 11th floor of the building. Most of the workers don't know, some told me 8th floor, some said 5th floor. I had to walk that building up and down more than 6times that day before I could get the right office cos the access cards for the floors are different and I have to come down to take new access card for the different floor



Ps- make sure a copy with you is acknowledged, also provide your Email address and Phone number on the letter as they will reach you through the platform provided and tell you to negotiate with your bank and if no progress after 30 working days then write them again via the e-mail they used in communicating with you. I will provide screen shot of the mail they sent but I am trying as much as possible not to mention the bank. I never knew many Organisation in Nigeria work if I had not gone through it.

I was actually told at CBN that it will take time but I will surely get my money back that the CBN mandated banks to known your Customer (KYC) so since the money was transferred to Access bank then Access bank need to produce their customer

4. I wrote an official letter also to my branch bank Manager, informing him about the fraud on the account and telling him how it has really affected me. I Also made sure that a copy of the letter was acknowledged.

I knew it wasn't going to be an easy fight as the bank would want to put the blame on me but I was ready for them.

I was always sending them mail, calls via the telephones at any bank branch. I gave them heat and after 30 working days I sent a mail back to CBN telling them the bank is frustrating me and they are yet to refund my money and I didn't want to go to court because the matter was before the APEX bank. I didn't receive any reply from them

I went to a branch and also shouted and told them I want to see the branch manager which I saw her and also made my complain and she decided to also send a mail to the fraud unit.

Sorry to say, I received a call from the fraud unit after I wrote a petition to CBN and CBN queried them telling me how my money was transferred and giving me the account number and bank the money was transferred to, they also gave me the address of the person that owns the account but I refused to follow up as I told them that wasn't my work that they should do it.

Lastly, I called them from the bank and told. Them that was the last time I was going to talk to them in the issue that I will get a lawyer, told the Lady that picked the call to tell the management about my development, I actually got a lawyer but before the lawyer could write, I received my money back on Thursday hot afternoon via an alert...

Teniolasmart:
hello bro.. This just happened to me now. Over a 120k was debited from my account this morning by a fraudster .. Pls can you give me the cbn mail address which you forwarded your complaint to and also the due process of how you went through with it please. I have already complained to my bank and my account has been blocked but I doubt if the bank officials are really working on the matter.

drololaaof:
CBN CUSTOMER PROTECTION UNIT IS WORKING ,THE ADDRESS IS VERY IMPORTANT 11th FLOOR LAGOS OFFICE,BUT STATE OFFICES IS EASY TO ACCESS.

Osilama1:
can I get the address of this CBN protection unit please??

aieromon:
https://www.cbn.gov.ng/supervision/cpdcomgt.asp

aieromon:
https://www.cbn.gov.ng/supervision/cpdcomgt.asp