Kylekent59:
Failure everywhere.

I am 100% sure UBA failed

I am also 100% sure Zenith bank passed

What do know or what information do you have to make such hasty conclusion? There is no wisdom in your write up.

Don't generalize hastely on issues you are not vast in. Simply, you were negligent while withdrawing which led to shoulder surfing; this happens when a fraudster stays close to you while withdrawing and he/she is able to pick up your PIN . Most times, when there is network problem that will lead to delay in cards being released, the same fraudster who has already seen the PIN will be the one to advise gullible customers to go and complain, card will be released to the waiting hand of a fraudster and in a moment, you will start receiving debit alerts from ATM in another location. A fraudster can also offer to assist customers to withdraw and in the process swap customer's card with another defective card which will certainly get trapped when you attempt to use it. If he/she succeeds in swapping the card, he/she will leave that area immediately for nearby ATM for withdrawals.

'Acute incompetence'