₦airaland Forum

muyinet:
Then don't use the account.
I can't see any reason to be worried

BetaJobNG:
GTB is paying customers #100 for reffering a customer to open account. So, someone somewhere just opened an account for you to get #100

U1:
If the N450 charge was true, I'd say you didn't do enough to have it refunded. You can report them to the CBN, if you think you did enough to try and get your money back. Cost per SMS is N4, does it mean they sent you more that 100 SMSes in one month? No bank dare try that with me.

As for those whom accounts were opened for without requesting, simply contact the bank to close those accounts, report to the CBN or sue it! It's simple, isn't it? Many Nigerians fail to take action when they need to, preferring to just make noise to themselves. This is one of the reasons evil seems to be on the rise in the country.

But it's surprising to see some complaints about GTB, though. I opened my first bank account with this bank and the experience - overall - has been the best, compared to the others I have (had) accounts with.

9jaPromo:
Dey do pay 100 for each customer u bring....
It's real

oluplus:
This is unacceptable. Well Fargo bank in USA did something similar by opening unsolicited additional accounts for their existing customers. Case was taken up by the Regulators and they were fined heavily. It is not just right
https://www.bloomberg.com/opinion/articles/2016-09-09/wells-fargo-opened-a-couple-million-fake-accounts

princeakinola1:
Somebody that have you details on your behave,in other to collect 100naira,so is not gtbank or scam,it's real,i did the same thing for my wife

gypsey:
If you noticed an Account have been opened in your name, Go to GTB, complain and close the Account. simple!!

seunnuga:
This is no scam.
It's purely leveraging on BVN database which I think all banks have access to. Your BVN record contains your Names, phone number, Bank accounts, and Picture. The only thing that may be wrong was creating bank accounts without the knowledge of the person and as an IT guy, I know your account can be created on request via the USSD code.
They were just trying to be "Technologically" Smart and proactive such that with the use of a USSD code, you can have an account created without stepping into the halls of the bank.

CaptainFM1:
I don't in anyway speak for GTB, but one thing I certainly know is that you have approached this case very badly.

1. To start with, you do not table your query to the bank for proper investigation. Much as the bank need to protect peoples data, modern information breaches could come from any angle. And in most cases, usually from people very close to us. Or perhaps, there's possibility that you could also have been careless with your own info and data, such that it got into the wrong hands.

2. Secondly, you made a VERY BIG mistake by doing a "test transfer" to an account you don't know simply because you want to investigate. It is not your job to conduct investigation. All you need to do is to table your concern to the bank and/or the Police. The bank has mechanisms for conducting internal investigation with a view to resolving such cases.

3. Whilst you may have a genuine concern, you should exercise care before raising issues on social media especially cases that requires thorough investigation. Posting such in the media could jeopardize the investigation, and also,could serve to the ultimate advantage of the culprit/scammers.

If an individual or cartel within the bank is at fault, they will be dealt with accordingly upon investigation. And if the bank is found to be corporately at fault, then the CBN would penalised them accordingly.

Vizzy4u:
Coming to NL to wail will do nothing rather admin would be glad to generate more traffic. Nevertheless, i dont work with/support Gtbank in this situation but its VERY bad to come and tarnish their name. I've started banking with them for over a year now and all i can say are praises most esp to their "customer service". I'm over 100% about to keep my fbn acct to take some fresh air when my atm expires in October for them. Pls if u have any issue with them; CONTACT THEM and dont spoil their name. Maybe it scammers or some bad eggs in d bank.
P.s no one should quote and spill rubbish if not i'll call my lawyer lets work on a case of infringement of freedom of speech abi na expression sef

oluwasegun007:
I can't see anywhere on the write up where you contacted their customer care for explanation...

lawman88:
I'm suspecting ETISALAT and MTN. They can open account with your details on the sim registration. They are lawless!!!

Psoul:
@tk4rd:

Please let me advice you.
Your complaint should not end here. You should write the bank manager and instruct him to close the account opened with ur details with immediate effect and show you confirmation that the account has bn closed. Meanwhile, tactically go the customer service desk of the bank and confirm that the account really existed on ur particulars before sending the mail to the bank. You can also copy CBN through this email cpd@cbn.gov.ng. This will make them to take ur case more seriously.

Let me tell you one of the dangers of such account. Apart from using it fraudulently by either the bank insider or any other criminal, there is another danger in that.

Know it that ATM issuance charge will be debited to the account.
Card Maintenance, SMS alert charges for even a birthday or any message they may send to u will be debited to this account.
Since you are not funding this account, your balance in the account will keep bn in negative.
The implication is that you are owing this bank.
Imagine hw much negative balance that may be accumulated in this unfunded account over a period of 3-5yrs and above.

The real danger is dis:
Assuming one day, you want to secure a loan or any financial service from, let's say your bank is Zenith bank. The bank will go back for a background check of you financial activities wt other banks. They will notice that you are owing GTBank some money.
They will come back to you to tell you that this loan will not be granted cos you are owing GTBank some money.
They will tell you to go and rectify with them and come back.
By then, you are going to pay for what you did not consume.

It is very important you order them to close this account. The same thing will also affect someone that has an account with a bank and decides to stop banking with them without closing the account officially.

overboard:
In a loosely related situation, I'm already prepping action against Kwikcash for accessing my phone records without permission, hacking!

badoh:
Though this is a breach of privacy, however kindly take note of the following;
Any account opened without BVN linked to it remains restricted which means a debit transaction cannot occur on the account. This is a CBN policy guiding all Banks.
Nearly 99% of all accounts opened via these Banks short code cannot be operational until a mandate(picture and signature) of you is uploaded on the account.
Therefore, you dont need to bother yourself about it as long as your BVN is not linked to it.

Regards.

bennynaza:
This is not from GTB.
You are being channelled towards the path of an elaborate scam

pocohantas:
Wouldn't you rather bank with us?

They are actually spooling it from a BVN database. Every customer who is enrolled on BVN (via some other bank) but isn't a GT customer is automatically eligible.

It isn't fraudsters.
It isn't a security breach.


At least we can see how powerful the whole BVN thing is. I like to think they weighed its (possible) legal implications, considering that the management is very aware.

Lalasticlala, Mynd44.. Do the needful.
They continued opening more accounts.
A friend of mine just complained that it happened to him on Thursday..
This is very bad.

Injiggerwolf:
Can bulk of Money summarise all these stress ?

hahn:
We are still waiting for the picture

Lalasticlala... Do quick and get the masses know about this.

Explorers:
Tk4rd

civilserva:
This is identity theft. Someone somewhere opened the account with your data to scam people or collect ransom deposit.

muderkid:
This exact thing occurred to me, despite having an account with them.

tofolo:
lets see a screen shot of the sms you received.

Damfostopper:
is this for real?

tofolo:
lets see a screen shot of the sms you received.