₦airaland Forum

Bro write a letter to your bank and copy cbn. If cbn isn't involved your bank will do nothing. There is an antifraud dept. In cbn that handles such issues

Excuzeme:
You are assuming he is the singular target of this scam, right?
What if the bank staff targetted at least fifty customers, knowing that there is a lockdown and they cant come immediately to the bank to complain?

400K x 50 = #20Million.

Is that not enough for some Contract Bank Staff earning less than 200K monthly, to risk his/her career over?

Banks started putting customer funds at risk when they started converting their staff to Contract Staff (recruitment Coy also owned by one of their Heads or even the CEO), just to short-change the staff of their income.
You dont expect poorly paid Contract staff not to steal customer funds, if the opportunity presents itself, do you?

Does emptying an account with 400k make sense to you? Stealing from a poor person is putting your career at risk. If you are stealing from 50 customers, will you steal from 50 broke customers who are tracking every kobo, or 50 multi millionaires who will not notice immediately?

As to your second statement, being poorly paid is not an excuse for stealing, unless of course you have the yahoo boy mentality where you will always find a reason to justify stealing.

dicksonadams:
I didn't get any email notifications of these transactions apart the 6k+, neither did I get the OTp token before transactions are initiated.

Please what is the way out of this kind of situation

your phone number May have been compromised too, hence the non receipt of transaction alerts. your gsm service provider should join in your complaints too. The bank can trace the recipient of the fund or the merchant that owns the pos used for the transactions. I'll advise you visit a branch ASAP rather than rely on calls to the customer care. your money will sury be refunded if it's established that there hasn't been any compromise on your part. all the best.

I once had a problem like this, just keep disturbing the bank it took them 75 days to monitor transactions and return my 100k. Please next time, If you keep this kind of amount in a bank's savings account, never apply for an ATM card, this is really a lesson as I don't use card for a savings account.

This is the kind of nonsense that makes me think Nigerian banks are some of the most unserious people you can ever meet. We are just pushing mobile Banking without any safeguards.

I mean, how can someone do an international transaction via pos, and you don't require my pin or even otp to complete. How do you verify that it is authorized by your customer? Do you know how many people handle your atm cards before it is released to you when you apply for one? Even in their logbooks, you fill this info when you pick up a new card.

So, if i maybe i pay for dstv subscription with quickteller online, someone can just go and pick that info and use internationally without my consent and my bank will be totally helpless to stop it.

Do they not have fraud units that can identify and block such fraudulent transactions?

Kachi188:
This is the kind of nonsense that makes me think Nigerian banks are some of the most unserious people you can ever meet. We are just pushing mobile Banking without any safeguards.

I mean, how can someone do an international transaction via pos, and you don't require my pin or even otp to complete. How do you verify that it is authorized by your customer? Do you know how many people handle your atm cards before it is released to you when you apply for one? Even in their logbooks, you fill this info when you pick up a new card.

So, if i maybe i pay for dstv subscription with quickteller online, someone can just go and pick that info and use internationally without my consent and my bank will be totally helpless to stop it.

Do they not have fraud units that can identify and block such fraudulent transactions?

Insecure sales portals are not from banks. They are from businesses\sellers. I have shopped on portals that do not even require a Pin, only your full card details. A scammer will simply use your card on such a portal. He can then buy goods or services which he would then sell (usually) at a lower cost.

ornicus:
Insecure sales portals are not from banks. They are from businesses\sellers. I have shopped on portals that do not even require a Pin, only your full card details. A scammer will simply use your card on such a portal. He can then buy goods or services which he would then sell (usually) at a lower cost.

Insecure portals are not from banks, but my account with the bank will be debited for real. If that is the way ,banks should give us the option to automatically decline all transactions not done with pin or otp. If a phishing device is installed in their atm and steals card info..they will still put it on the customer. Banks have the responsibility of ensuring all transactions done are authorized, and one way of ensuring this is by demanding pin/otp especially for transactions of a suspicious nature.

its their Teller, that's why its not a good idea to date bank marketers.
my condolences, consider it a donation to stanbic bank.

This transaction is done only with your cards details. This is an online POS payment and it can only be done with card details. If you are sure you did not disclose your card details to anyone, then look inward, someone in your house is involved. No bank staff have access to your 16digits, card expiry date and Security. Your card is masked on the system which gives only the card holder access to this information. I pray some of the fund is salvage for you

ornicus:
Does emptying an account with 400k make sense to you? Stealing from a poor person is putting your career at risk. If you are stealing from 50 customers, will you steal from 50 broke customers who are tracking every kobo, or 50 multi millionaires who will not notice immediately?

As to your second statement, being poorly paid is not an excuse for stealing, unless of course you have the yahoo boy mentality where you will always find a reason to justify stealing.

what he said is true, most if these bank tellers are paid less than 70k, bad working conditions coupled with banks compromising customers fund security for profits things like these happen.

its not only yahoo boys that like money.

Green222:
This transaction is done only with your cards details. This is an online POS payment and it can only be done with card details. If you are sure you did not disclose your card details to anyone, then look inward, someone in your house is involved. No bank staff have access to your 16digits, card expiry date and Security. Your card is masked on the system which gives only the card holder access to this information. I pray some of the fund is salvage for you

oh please spare us the lies, a committed IT staff in the bank with connivance of card staff can move any customer funds if they so wish.

Some one have access to your atm.... Since the money is in ur Ledger balance is not a transfer, is a card transaction, some one use it to purchase something online..... Go to the bank block ur atm, find out what dy use it to purchase, get the site they purchase the goods from and cancel that transaction. U will get ur money back.

That's how access bank debited me last year

abbasajao:
Not necessarily. Your card is exposed.
Somebody has gained access to 16 digits of your atm card.

Yes and that's the only thing needed with the pin for most international transactions.

quentin06:
what he said is true, most if these bank tellers are paid less than 70k, bad working conditions coupled with banks compromising customers fund security for profits things like these happen.

its not only yahoo boys that like money.

Your generation is completely lost. You will make excuses for anything. My first job was 29k. It was not paid regularly. I worked at it until I got another job. Maybe I too should have been robbing my employer blind. Once a thief, always a thief, whether you are earning 10k or 2 million.. Poverty is a state of mind, which is why you see Nigerians stealing for their children’s unborn generations.

Kachi188:
Insecure portals are not from banks, but my account with the bank will be debited for real. If that is the way ,banks should give us the option to automatically decline all transactions not done with pin or otp. If a phishing device is installed in their atm and steals card info..they will still put it on the customer. Banks have the responsibility of ensuring all transactions done are authorized, and one way of ensuring this is by demanding pin/otp especially for transactions of a suspicious nature.

it is not too much for you to take some responsibility for yourself.

dicksonadams:
I didn't get any email notifications of these transactions apart the 6k+, neither did I get the OTp token before transactions are initiated.

Please what is the way out of this kind of situation

Bro, sorry about the loss (but let's hope it isn't).

This might not necessarily be an inside job, although I want to believe there are crooks in the banking system.

Have you ever used the said card online? It might be that the website on which you used it has been compromised and someone got your card details.

You see, this is an example of why I am reluctant of using my card online, especially for international transactions. You don't get an OTP when using your card for FX transactions and that's concerning.

People, I'd advise we all have a special account to use for online purchases or POS transactions and it should ideally have an amount of money you won't lose much sleep over if stolen.

As for the solution, I believe you have seen what some people have suggested - you may involve the CBN and the EFCC, if the bank is not cooperating and you have never used your card online.

johnnny12:
Send me email on johnid112@gmail.com
I will tell you what to do to recover your money

NB: if I don't see your message before month end no remedy o

Trust me..it has happened to me severally I got my money back

ta ah, you self Na bad market. Op no message am anything

ornicus:
Your generation is completely lost. You will make excuses for anything. My first job was 29k. It was not paid regularly. I worked at it until I got another job. Maybe I too should have been robbing my employer blind. Once a thief, always a thief, whether you are earning 10k or 2 million.. Poverty is a state of mind, which is why you see Nigerians stealing for their children’s unborn generations.

Um, the bold sounds like too much generalisation, sire.

I had a similar experience with Stanbic about 6weeks ago, it was 160k.. I got to the bank and asked to see the manager. I reported the case, filled a form and I got my money back in 3weeks.. I believe you'll also get your money back but can't say when

Op do reach me on whatsapp 07064902741.
I can't disclose what you should do here. I had started typing it then realized that at times the enemy is within.

Iceyjays:
Don't let this slide away, report to the police and bank also.

Slide away ke!

When he has less than #100 has balance. In this corona period

U1:
Um, the bold sounds like too much generalisation, sire.

No vex. But when you hear people justifying stealing because they are poorly paid. It is the same way you hear them saying yahoo yahoo is good for the economy and other nonsense

dicksonadams:
someone fraudulently gain access to my account last night 28TH March 2020 and performed a series transactions of N443,928.49 without my authorisation.

I have called StanbicIBTC customer care and the lady I spoke with told me they would disable the account and push the case to stanbicIBTC fraud unit. Luckily I was able to transfered remaining balance to my GTB account to prevent further debits (I only saw this at about 5am when I work up to pee and saw a single alert of about 6k which I guess was the first trial. The funny thing was thst the debit alert for others or the login notifications or OTp token request didn't drop in my phone Sms or email just the first 6k.

The debited money 400k+ is still being held in my account Ledger balance (see screenshot), please I will appreciate any assistance in recoverying the money. I had no reason to believe my money wasn't safe in my StanbicIbtc bank account.

Note: I rarely used this account apart for saving... I rarely use the atm on this account too. I usually transfer from this account to my gtb before withdrawing.

Bank say there is slim chance of getting the money, that even though the fund are still held in ledger balance they are as good as debited.

you are lucky. The 400k is still pending. You have to act fast

abbasajao:
Not necessarily. Your card is exposed.
Somebody has gained access to 16 digits of your atm card.

how? What happened to OTP

Excuzeme:
Zenith is a rogue bank! They just debit customer account anyhow.
Last week, l emptied my money from there and left less than three thousand naira only.
I know by the time this lockdown is over, that 3K will have disappeared.
I just keep the account because occassionaly, l need to give my bank details to a third party and will never give my main bank account details to anyone.

First bank is full of internet fraudsters, that one is confirmed.
hardly will you find any customer of first bank, that has not been defrauded at least once but the thing is that the bank has mostly old people who dont visit their account regularly, not internet sarvy and poor artisans whose networth is mostly in the range of 200K max.

Hmmm...so what do you think about GTBank & UBA?

Juliearth:
BTW, hope you did not save your card details on those shopping platforms?

Ofcourse I did...

Juliearth:
I do not work with UBA...well unless if you can help me secure a slot with them. In respect to my aforementioned claim, someone just discredited UBA, so its safe to say that no Nigerian bank offers protection against fraudsters. We can on our own play our part and leave the rest to God, however. Be weary of strange emails, links and so on, even if the mails are from known establishments ( this is possible with phising). Do not click on links attached to emails, no matter how genuine they may seem. Same applies to all the links having their rounds on whatsapp. Protect your ATM cards. If possible, you can run two bank accounts, stash a smaller amount in one of the accounts and then have an ATM for that account. Do not register an ATM card for the one with the major funds, hide all mobile banking apps, transaction history... Change your ATM pins at most quarterly, scratch off or peel of the 15 digit code on your ATM and the 3 behind ( your card would work regardless)... The precautionary measures are inexhaustible.

You're one hell of a smartie...you got my interest already...

petrusson:
Bro, I think your money is gone. From the information on the account statement you sent, the details of your payment card was used outside the country (Mexico or Spain) and they were POS purchases outside the country.
It's either you exposed your payment card details or it's a "bank job" or maybe you happen to be a victim of one of the badass hackers in the world.
The bank won't be able to do much. I work with an online payment organization and whenever I see cases like this, I just pity for the victims

How do you prevent such occurrence

ornicus:
Your generation is completely lost. You will make excuses for anything. My first job was 29k. It was not paid regularly. I worked at it until I got another job. Maybe I too should have been robbing my employer blind. Once a thief, always a thief, whether you are earning 10k or 2 million.. Poverty is a state of mind, which is why you see Nigerians stealing for their children’s unborn generations.

how old are you self? throwing tantrums like a toddler.

your reasoning is like that of a pauper.


if it was your money it serves you right. cos money doesn't look good on you.

Pls can any expert explain how those stpud thieves use stolen wipe out money on ppl's phone. That's how they wipe over 59k from a friend acct last week after his phone got lost.
Besides there's hv been many cyber crime reports in Europe since this covid 19 started, especially in Italy and UK. The fraud might actually hv been done by Europeans cloners.

Just2endowed2:
Number and email still working fine. Nothing was changed.

bro e get how them dey change number or mail to receive otp..