₦airaland Forum

wafianski:
Polaris bank is ok and their mobile customer care is always 24/7 available

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

mhizv:
Fidelity!? That bleeped up bank?

They still owe me 10k since last yr! And a failed transfer of 7k this year!

They keep posting me! Next 7 days ! Next 7 days.

They only paid back a recent failed transaction,after I told them I had sent an email to CBN...cos they'd pay double if CBN confirms the failed transaction,and a delay In refund from them.

Shoodboi:
I don't know which is worse between GTB and WEMA. I had a similar issue with GTB and couldn't contact them.

Their contact email address doesn't go. And whoever is running their Twitter help page is clueless. That one just kept sending me images of a POS machine and what to do in case of a failed POS transaction.

Shoodboi:
Is their customer care reliable? I am very particular about this?

Goalnaldo:
I wanted to recommend UBA but you said you have used them in the past. There was a time I was having issues I emailed them, they said I should send them my number that they will call. They did call and the issue was resolved. They customer care service are trying.

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

Shoodboi:
Is their customer care reliable? I am very particular about this?

Nooil:
I've used Diamond Bank, and their service was great. I continued with Access when they merged, and their services are great too. You can sort out whatever problem you have by sending them a message via Twitter. They have professional CSOs, and would always refund your money even when you don't make a complaint.

I HAVE ACTUALLY BEEN WAITING FOR THIS DAY TO SHINE UNION BANK . I DONT WORK FOR UNION BANK(THOUGH I HAVE A COUPLE OF FRIENDS WORKING THERE BUT THIS HAS NOTHING TO DO WITH THEM) BUT UNION BANK OFFERS ONE OF THE MOST EXCEPTIONAL CUSTOMER SERVICE IN NIGERIA AS FAR AS I KNOW. I HAVE ACCESS, DIAMOND, ALAT WEMA, ECOBANK AND EVEN ZENITH ACCOUNT BUT OF ALL THESE BANKS, UNION BANK STANDS OUT. ARE YOU AWARE YOU CAN CALL UNION BANK'S CUSTOMER SERVICE WITHOUT PAYING A KOBO? YES, FREE OF CHARGE FOR AS MANY TIMES AS POSSIBLE!!! THEY MAY NOT BE THE HIGHEST RANKED BANK IN NIGERIA BUT THEIR SERVICES ARE EXCEPTIONAL. JUST GIVE IT A SHOT AND TRUST ME, YOU WONT BE DISAPPOINTED.

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or account anymore.

ii. I will be forced to open a new regular bank account.


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's account to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email complaints@gtbank.com isn't even working anymore.)

In fact, I opened a WEMA Alat account because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank account since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

angelfallz:
i have the same issue of failed transaction on POS with GTBank. they told me mine would be resolved in 8 days. i am patiently waiting. their complaints email is not working, but i have filled out a dispense error form.
You can also escalate to CBN.

michealidowu91:
You have had an unpleasant experience using these banks and I understand how frustrating it could be. but I bet ,gtbank and zenith bank customers service are the best when it comes to digital customer services. Just that gtb has changed their customer email.

I have had several experience with most of this bank and if I'll advise you on the best digital bank. I will recommend Zenith bank to anyone, maybe it's POS, or for online payment. Just that their app sucks at time

UBA would have been better but they make too much deduction, and their resolution time for resolving queries is usually long ranging from 2weeks up to a month and above

Wema is not a digital bank, I have had several encounter of my customers using Wema ussd code to transfer to me but I didn't get the value in my account, and the value was not automatically refunded to them until they complained at their bank

Access bank have a robust system, but they have a very poor customer service, if you have any query that's isn't resolved on time , quickly escalate it with CBN or else you might never get a resolution, on card payment I don't think access issue master card. For their ussd code, don't transfer if the recipient name didn't come up or else your money will not hit the recipient account and that can result unresolved.

I can go on to give my experience on sterling, stanbic bank, unity,

If you have had such experience you can attestate to those points I raised.

GenerousK:
I HAVE ACTUALLY BEEN WAITING FOR THIS DAY TO SHINE UNION BANK . I DONT WORK FOR UNION BANK(THOUGH I HAVE A COUPLE OF FRIENDS WORKING THERE BUT THIS HAS NOTHING TO DO WITH THEM) BUT UNION BANK OFFERS ONE OF THE MOST EXCEPTIONAL CUSTOMER SERVICE IN NIGERIA AS FAR AS I KNOW. I HAVE ACCESS, DIAMOND, ALAT WEMA, ECOBANK AND EVEN ZENITH ACCOUNT BUT OF ALL THESE BANKS, UNION BANK STANDS OUT. ARE YOU AWARE YOU CAN CALL UNION BANK'S CUSTOMER SERVICE WITHOUT PAYING A KOBO? YES, FREE OF CHARGE FOR AS MANY TIMES AS POSSIBLE!!! THEY MAY NOT BE THE HIGHEST RANKED BANK IN NIGERIA BUT THEIR SERVICES ARE EXCEPTIONAL. JUST GIVE IT A SHOT AND TRUST ME, YOU WONT BE DISAPPOINTED.

SpecialAgent:
My problem with access bank is their constant charges to comes out of nowhere

lilachiever:
The only bank I can recommend is Zenith Bank.


PS: I've used FBN and they were thrash, lost 50K to their incompetency. I use GTB too, but only as a transaction account and I don't leave more than 5K in the account (never experienced a failed transaction too.

My own thing is that I'd never ever use a POS no matter what, if the POS outlet won't take transfer I'll just Waka and if I want to withdraw using ATM, I'd make sure to use my bank's ATM gangan...

Roon9:
Baba just put your money inside pot since all the banks are nonsense

tonylaw07:
Why does it take the banks less than a minute to debit an account but it would take 7-14days to have a reversal. It does not make sense.

angelfallz:
i have the same issue of failed transaction on POS with GTBank. they told me mine would be resolved in 8 days. i am patiently waiting. their complaints email is not working, but i have filled out a dispense error form.
You can also escalate to CBN.

packman:
Really more to the list


UBA is a market place.. The traffic there is hell you can spend the whole day there doing nothing but standing

GTB is a logistics service.. You go carry firm Waka tire from one office to the other....

First bank should just turn to a mortgage bank....

Fidelity Bank is the worst bank of the century...

Ufedolove:
Op, I recommend this too. I personally use it. I don't leave money in any of my banks' accounts. I send them to my Opay account immediately to avoid failed transactions, charges, illegal and unnecessary withdrawal. It's totally free.

Christaks:
Might be true, but if hv ever experienced and issue with them of late, and try reaching their customer care?

Cuz my frnd had an issue with her Opay account.,
I tried calling their hotline, all u hear is 'Covid19 issue response pls reach us on social media'

Sent them a message on Twitter, uptill this very mo.ent, no reply, shes unable to use her account on Opay uptill now.


The issue was that: she has failed transaction to one of the tricycle drivers. Shes has been unable to pay even with money in her account. Anytime she opens it, all she sees is pay up the OTrike rider. If she tries it fails.


I have paid the Man using Opay customer to Agent Transfer..but the Man has refused confirming he the transaction.

The story too long..
We were told only Opay can handle the situation..


See pictures below..

collinometricx:
I wanted to ask the guy if it's the same fidelity bnk i'm using