Saturday, 27 February 2016

ZENITH BANK / NIGERIA / WRONG CHARGES ON SAVINGS ACCOUNT

The Bank Name:                 Zenith Bank

Bank Account Number:      208xxxx125

Transaction Amount:          N 500,000

Date of transaction:             25 February 2016

Location Transaction occurred:           Savings Account

Other information on the issue:

I was charged a maintenance fee of N1 per mille on a transfer from my SAVINGS account! Maintenance fee are only chargeable on current accounts. Total charges came to N630 for this single transaction. I want a refund of the maintenance charge please.

-  Abiodun Abolumo

ECOBANK / NIGERIA / ONLINE / EXPLOITATIVE CHARGES ON FOREIGN TRANSACTION

The Bank Name:                 Ecobank Nigeria

Account Number:               287xxxx761

Date of transaction:             19 February 2016

Other information on the issue:

Good day. It is with utter dismay that I write to express my displeasure with the services I have received from your establishment over the past one week, and to seek redress to those issues. My name is Ijeoma Onyebuchi, I am an account holder with the Factory road Umuahia branch of your bank, with account number 287xxxx761.

On Friday 19th February 2016, I walked into Ecobank Factory Road branch, Umuahia, where my account is domiciled to access Form A which I needed to pay for my tuition expenses with the West African Post Graduate College of Pharmacists (WAPCP), to the tune of USD 824. I was told by the officer in charge that such services have been suspended since December 2015 due to scarcity of USD. With that option no longer available to me, I decided to make the payment via an online payment using my Ecobank naira denominated MasterCard. To that effect, I made a self deposit of N150,000 into my account, and then proceeded to make the payment.

Following the transaction, I received a debit alert to the tune of N329,847.20 for USD 824. That was not all. To my utter consternation, on Wednesday 24th February, I received a further debit alert of N8244.18 for POS fee, and N412.31 as VAT on POS fee, all on the same fee which I was debited for 5 days earlier! To make matters worse, I was even charged N50 stamp duty on the self deposit to my account, a deposit I personally made by myself in the banking hall.
I need clarification. My issues are as follows

1.      I was charged N329,847.20 for USD 824, which came out to a conversion rate of N400.30 to USD 1. Compared to other exchange rates all over Nigeria as at that Friday which I made that transaction (official rate: N199, Stanbic Bank: N280, Access bank: N302, GTBank: N307, black market: N396 –N400), one wonders at your rate, and I have to ask, is Ecobank sourcing USD from the parallel market, or from Central Bank? Why should I be charged at above N400 per USD, from Ecobank, when the rate at BDCs is less than that, and other banks are giving exchange rates at almost N100 less than the rate offered by Ecobank? Or is Ecobank now operating as a BDC?

2.      My grievance was that I tried to get this exchange rate from you before I made that transaction; I spoke to the officers supposedly in charge of such transactions in my branch and another Ecobank branch in Enugu, and was unable to get your exchange rate. I tried reaching your helpdesk via phone, to no avail. Other banks instantly inform me on their exchange rate even when I contact them on social media. Why is your exchange rate not open for prospective customers to access? Why is it shrouded in mystery?

3.      I was charged N50 for a self deposit to my account, and the officer I met when I went to the banking hall in Factory Road Branch Umuahia to complain was brazen enough to tell me it is standard practice. May I inform you that the stamp duty policy as stated by the CBN state that the payment applies to deposits above N1000 to current accounts, excluding salary and savings accounts, and that self deposits, whether in real time or electronic transfers were excepted. Pray tell, how does my self-deposit qualify for the stamp duty charge?

4.      5 days after the original debit on my account, I received a further debit of almost N10,000, for a combined payment of ‘POS charge’ and ‘VAT on POS charge’. What exactly is this fee? No one, I mean, nobody in my branch, including the Branch Manager was able to explain clearly to me what exactly this is, except to tell me vaguely that it ‘SEEMS’ to be a charge. I don’t get this cluelessness. Fortunately I was able to speak to the Regional e-currency personnel who was in town, and she told me, it is a MasterCard fee of 2.5% on the amount I paid. When I demanded more info, it turns out that from the bank’s policy, the fee applies to the dollar denominated MasterCard. My card is a Naira denominated master card, why was I surcharged this fee? Still no answers.

Sir, with due respect, this is unacceptable. First of all, to deny me access to the Form A, which is the official channel for me to pay such fees, then to charge me at more than the going USD exchange rate at the parallel market, charge me stamp duty that I don’t qualify for, and then ask me to pay a so called POS fee. And all this charges are shrouded in mystery. This is an indirect form of round-tripping; to obtain dollars at the official rate of N199 from the CBN, then charge your customers at N400.30 for the same USD, because they have no other choice since the bank has suspended official means to make the payment at official rates. At the very least, it has to be some form of financial high-handedness-, as no other bank in Nigeria had exchange rate close to yours as at that Friday. This is outrageously exploitative of your customers and flies in the face of the anti corruption stance of the present government.

My requests are simple:

1.      Please refund the N50 stamp duty I was debited for. The deposit on my account that Friday was not qualified for that duty.

2.      Please refund the N8246.18 withdrawn from my account in the name of POS fee. And the N412.31 for VAT on POS fee. The literature I was shown by your regional e-currency specialist shows that the fee applies to dollar denominated MasterCard, and my card is Naira denominated. For enlightenment purposes, I will also be happy to show you my bank statements running 3 years back with both GTBank and Stanbic bank in which I used my Naira MasterCard to make foreign online transactions, and I was not charged any such fee. MasterCard is the same all over the world, and I do not think they charge different rates for different banks. I have only known such payments to exist with prepaid cards like the UBA Africard, which I also own.

3.      Please review my transaction which I was charged N400.30 per USD. That rate is exploitative. I want that rate reviewed in line with Current Good Practice, and the excess refunded to me. It is absurd to charge that much when as at that Friday, no other bank in Nigeria had rates higher than N330 to USD (aside prepaid cards), and Stanbic bank had rates of N280 to 1 USD, using the same Naira MasterCard, and they obtain forex from the same CBN as you. Even UBA, which is known for its cutthroat rates, did not have rates as high as yours. Unless you want to tell me that Ecobank is now operating as a BDC, not a Nigerian bank, or that you obtain your forex from the black market.

I must let you know, for fairness sake, that I will be seeking dispute intervention from the Consumer Protection Department of the CBN on this issue, and to that effect, I will be obliged to you to please, acknowledge receipt of this email. I will also be pursuing redress on all social media platforms available to me, because I have seen, so far, that your customer service leaves a lot to be desired.

Thank you for your time.


-  Ijeoma Onyebuchi

Wednesday, 24 February 2016

GTBANK / NIGERIA / ATM / DEBIT ON FAILED TRANSACTION

The Bank Name:                 Guaranty Trust Bank

Bank Account Number:      002xxxx984

Transaction Amount:          N 20,000

Date of transaction:             10 February 2016

Location Transaction occurred:            GTB Area 3

Other information on the issue:

I tried withdrawing through ATM, but refused to dispense cash. I visited the closest branch of the Bank, and they reported it was a BVN issue, having withdrawn severally with this ATM this year. immediately I pick up necessary form to rectify the issue. I want to inform you sir/ma that, up till now, the I have been enabled to withdraw a dime. Please, I want you to utilize your office to rectify this issue, thank you please.


-  Abiodun Francisca Eimakhu

Tuesday, 23 February 2016

STERLING BANK / NIGERIA / POS / DEBIT ON FAILED TRANSACTION

The Bank Name:                Sterling Bank Plc

Bank Account Number:      000xxxx548

Transaction Amount:           N 2,000

Date of transaction:             27 August 2015

Location transaction occurred:     Interswitch

Other information on the issue:

@Sterling_Bankng  POINT OF SALE PURCHASE TRANSACTION
20150827184158JUT www.beta9ja.cLANG:001000:0003xxx98095:3IWxxxRU  
Debited 2k


- Ehanmo Sule

GTBANK / NIGERIA / ACCESS BANK ATM / DEBIT ON FAILED TRANSACTION

The Bank Name:                 Guaranty Trust Bank

Transaction Amount:           N 5,000

Date of transaction:             21 September 2015

Location Transaction occurred:            Access Bank ATM, Ojoo Ibadan

Other information on the issue:

21st September 2015 had me at the Ojoo Ibadan access bank atm on a queue. The bank has 3 atms outside. From the left the first was not working, the middle had no cash and thus the only queue was the one on the right. When it was almost my turn, a technician who was working on the first atm said it was now working and so I went to try it out (guess I was the guinea pig).

My withdrawal request for N5000 (five thousand naira) ended with the machine counting cash but did not dispense it and I got an alert that my account was debited. A bank staff outside asked me to fill a dispense error form on my bank (GTB) 's website. I then took my turn moments later and made a successful withdrawal for N6000 (six thousand naira) on the third machine - I intentionally made the amount different.

On the 23rd September 2015 I made the dispense error complaint but till this day the case is yet to be resolved. After 4 months access bank finally sent pictures to gtb of the atm capture but there was none with me with cash.

In between this I had gone to access bank in Ojoo Ibadan to see the bank manager to verify with their CCTV as well as ATM cameras as to whether it was machine error or human interference that made the money not to dispense in an area under his jurisdiction but he was not interested as he said it was the duty of my bank to resolve my issue for me. Funny that according to gtb, access bank did not provide said evidence for over 4 months. It was only after I told the cardservices rep I was going to include gtb in a civil suit for negligence if i was to raise legal action on access bank that in 48hrs later they sent the pictures of the transaction.

Now with the picture evidence I can now ask if for access bank that was their defense
1. Where is the picture of the money
2. None too soon after my failed transaction was that same ATM machine used even though there was picture evidence of a long queue on third machine
3. Why would I have made a N6000 transaction moments later on the third atm machine if the N5000 on the first was successful
4. Why not use their Ojoo CCTV to backup their claim as the overhead camera covers all 3 machines and immediate environs

My two transactions

21Sep2015|5000| -322010- -000000000000993 OJOO B IBADAN NG |9999322010
21Sep2015|6000| -330972- -000000000000994 OJOO B IBADAN NG |9999330972

At the end GTB last correspondence is "Kindly note that you are required to report the issue to the appropriate Law Enforcement Agency."

Incuded is my GTB card services correspondence.

Thus my contacting you to see how your could use your office to have my N5000 refunded. Thanks


- Akinrinola Temitayo

Sunday, 21 February 2016

ZENITH BANK / NIGERIA / BANK ACCOUNT DEBITED BUT BET9JA NOT CREDITED

The Bank Name:                 Zenith Bank

Bank Account Number:      208xxxx111

Transaction Amount:           N 900

Date of transaction:             19 February 2016

Website transaction occurred:   https://www.bet9ja.com/

Other information on the issue:

I paid through interswitch but while my money was debited from my account, my bet9ja account was not credited..


- Rotimi Olorunfemi

Friday, 19 February 2016

FIRST BANK / NIGERIA / UNRESOLVED CUSTOMER ISSUES

The Bank Name:                 First Bank of Nigeria

Bank Account Number:      306xxxx525

Other information on the issue:

Good all, my name is aribifo damilare david, i decided 2 make this complain public because am fed up with the way i am being treated with first bank.

Around last year,when i wanted 2 enrol for the mobile banking in your branch,i was asked 2 fill a form;after which i did,submit and i was asked 2 go.till today,my request is a pending request,same with when i first wanted 2 link my bvn,same with when i wanted to delete my sms alert phone number.

My complain is this;is this how first bank treat their customers, that they will allow them fill update forms,submit it,ask them to leave without confirming mandate,at the end,all is a wasted time and effort at the bank.

-  Aribifo Damilare David

Wednesday, 17 February 2016

STANBIC IBTC / NIGERIA / ATM / INCORRECT AMOUNT DEBITED ON A TRANSACTION

The Bank Name:                 Stanbic IBTC

Bank Account Number:      000xxxx274

Transaction Amount:           N 15,000

Date of transaction:             26 December 2015

ATM Location or Website transaction occurred:      Bodija, Ibadan

Other information on the issue:        I withdrew just 1000 naira from my stanbic account on 26th of December 2015, and 15,000 was debited for the 1000 I withdrew, I ve complaint to branches of Stanbic but nothing is done to refund my money, this is simply exploitation and not friendly as this discrepancy has caused me a lot. Thanks.


-  Bashir Olanrewaju Isiaq

Thursday, 11 February 2016

DIAMOND BANK / NIGERIA / EXCESS ATM MAINTENANCE CHARGES

The Bank Name:                 Diamond Bank Plc

Bank Account Number:       000xxxx093

Transaction Amount:          N 100

Date of transaction:            19th December 2015

Location Transaction occurred:            Double billing for ATM Maintenance

Other information on the issue:

I received my statement for December 2015 and noticed I was debited N600 twice for ATM Maintenance. I contacted the bank and they explained the charge was for 2year. I asked they explain the years in view and no response till date. Please help me look into this. Diamond bank has invented a new form of daylight robbery.


- Chinenyenwa Mgbemena

Wednesday, 10 February 2016

FIRST BANK / NIGERIA / ATM / DEBIT ON UNSUCCESSFUL TRANSACTION

The Bank Name:                 First Bank of Nigeria

Bank Account Number:       200xxxx572

Transaction Amount:          N 20,000

Date of transaction:            02 January 2016

Location Transaction occurred:            fidelity bank ATM, Iwo road, ibadan

Other information on the issue:

An ATM transaction worth 20,000 on 2/1/16. Unfortunately, the transaction wasn't successful, but I was debited. I filed I complaint form at first bank ojoo branch ibadan on 5/1/2016, but after lurking patiently for about 2 weeks, no refund was made, I've been to the bank on 3 more occassions to lodge the same complain butto no avail. The responder at the customer care keeps saying a remainder has been sent to the bank (fidelity bank iworoad) in which the transaction was made. Pls act fast...Thanks.


- Ishola Taofeek Kolade

FIRST BANK / NIGERIA / BET9JA / DEBIT ON UNSUCCESSFUL TRANSACTION

The Bank Name:                 First Bank of Nigeria

Bank Account Number:      306xxxx459

Transaction Amount:          N 6,500

Date of transaction:            10 February 2016

Location Transaction occurred:            web transaction/ quick teller

Other information on the issue:

Made a transfer from my phone via quickteller. my account was debited but my bet9ja account was not credited.


- Paul Akiba

GTBANK / NIGERIA / POS / DEBIT ON FAILED TRANSACTION

The Bank Name:                 Guaranty Trust Bank

Bank Account Number:       017xxxx631

Transaction Amount:           N 3,045.69

Date of transaction:             09 February 2016

Location Transaction occurred:            POS for Nysc payment

Other information on the issue:

Please this is about nysc payment to print my call up number and green card. i made payment via my atm master card, waiting to recieve my pin from the bank, but uptill now havent seen any pin they just debited the nysc amount to be charged from my account.and when i log on to the nysc site i was told to make another payment. please help me do something about it.thanks.


- Nwagwu Uzo Henry

Tuesday, 9 February 2016

GTBANK / NIGERIA / IKORODU / IMPROVED CUSTOMER CARE

The Bank Name:                 Guaranty Trust Bank

Location in view:                 Ikorodu Branches

Other information on the issue:     Please you guys should look @ ur ikorodu branches. They don't care about their customers. Despite their huge crowd, their workers are so so slow.


-  Onwuchekwa Kelly

Saturday, 6 February 2016

GTBANK / NIGERIA / ATM / DEBIT ON FAILED TRANSACTION

The Bank Name:                 Guaranty Trust Bank

Bank Account Number:      017xxxx986

Transaction Amount:          N 1,000

Date of transaction:             05 February 2016

Location Transaction occurred:            First bank ATM machine mile2 Estate

Other information on the issue:

I used the first bank ATM machine at mile2 Estate yesterday the first transaction was not successful meanwhile my money was removed it was the second transaction with another ATM machine that was successful and suppose to have 12k not 11k...


- Esivwenughwu Daniel

GTBANK / NIGERIA / POOR SERVICE / UNPROFESSIONAL CONDUCT

Hello,

I communicated with you a while ago, after a tweet I sent out to GT regarding the lackadaisical attitude of the rude person who had been assigned to be my account manager at the time.

GT sorted that problem, by assigning me a new account manager; so far, this has worked.

For some reason, it appears that when one problem is sorted, another begins.
After a discussion with my now-accounts manager, I decided to turn off the SMS alerts I was receiving. These cost N4 per SMS and it was not a sensible cost, in my opinion - I receive a duplicate to my emails, which I receive on my phone. I check my emails on my phone, at least ten times a day.

Barely two weeks ago, I went into a GT branch in Lagos (Adetokunbo Ademola) to open additional accounts; I opened a Naira current account, and a domiciliary account each for Dollar, GBP and Euro currencies respectively.

I decided to apply for a Dollar Mastercard, so returned to the Adetokunbo Ademola branch, the following week. I also wanted to have my current account linked to my Naira Mastercard, which has my savings account on it. I noticed I had started receiving SMS alerts again! This was despite the fact that I never told anyone that I wanted these reinstated. I was being charged for things I did not agree to. After I complained, I was sent an email with instructions on how to de-activate the SMS alert service, through my online banking. I have since done this. But all my efforts to find out from GT, just when these monies will be refunded have been met with nothing but incompetence and hedging, by GT staff - via email and Twitter DMs. For some truly weird reason, it appears not to be of importance to them. While the ones by email haven't bothered to reply; the ones on Twitter clearly have problems understanding simple English [if they read, understood or cared about the messages I had sent, they would have sent a different response].

I am happy to send you these DMs; and I would like this resolved, ASAP.


- Chioma Nnani

Friday, 5 February 2016

ECOBANK / NIGERIA / POS / DEBIT ON UNSUCCESSFUL TRANSACTION

The Bank Name:                 Ecobank Nigeria

Bank Account Number:      199xxxx896

Transaction Amount:          N 14,000

Date of transaction:            27 November 2015

Location Transaction occurred:             Denoyab international Hotel Ikorodu, Lagos

Other information on the issue:

It was a POS transaction and the machine declined the transaction due to network and I left only to be deducted with that amount, I complained to my immediately and behold they are not able to track the cash till today, they even sent me a bank statement that I got value for the money meanwhile I didn't, Please help me recover my 14k and God will reward you. Am a student and its really affecting a lot.


- Christopher Ayebe

Thursday, 4 February 2016

GTBANK / NIGERIA / BVN / INCORRECT PROFILE DETAILS

The Bank Name:                 Guaranty Trust Bank

Bank Account Number:      015xxxx177

Other information on the issue:    

Good day sir/ma,

I have a complain about my BVN registration. I registered in GTBank in Lagos. But my name was not spelt correctly.
Wrong: coker boluwatife Iefunyemi
Correct: coker boluwatife efunyemi

I will appreciate it, if this can be rectified urgently.

Thank you.

Have a great day.


- Boluwatife Coker

Monday, 1 February 2016

FIRST BANK / NIGERIA / TRANSFER / DEBIT ON UNSUCCESSFUL TRANSACTION

The Bank Name:                 First Bank of Nigeria

Bank Account Number:      307xxxx685

Transaction Amount:          N 100,000

Date of transaction:            30 January 2016

Location Transaction occurred:            ATM FCMB Ogba Lagos

Other information on the issue:

I made a transfer of 100K frm my FBN acct to my UBA using FCMB ATM. I was debited but my UBA was not credited since 30/1/15. I have gone to complain severally to my branch manager.I was even directed to call first contact which I did. I sent first bank mails containing my UBA statement of account which indicated that the transaction was not successful. But all to no avail..


- ADEBANJO DANIEL

GTBANK / NIGERIA / INTERNET TRANSFER / DEBIT ON FAILED TRANSACTION

The Bank Name:                 Guaranty Trust Bank

Bank Account Number:      442xxxx9301

Transaction Amount:          N 2,500

Date of transaction:            30 January 2016

Location Transaction occurred:            Internet Transfer

Other information on the issue:

I transferred 2500 from my gtb account to an access bank account and the recipient didn't get it even though i was debited.


- ONOWA IDUH ABEL

GTBANK / NIGERIA / UNKNOWN CHARGES

The Bank Name:                 Guaranty Trust Bank

Bank Account Number:      442xxxx9301

Transaction Amount:          N 265

Date of transaction:             25th Nov - 25th Dec 2015

Location Transaction occurred:            My account

Other information on the issue:

What is the meaning of GNS charges for different customers from 25th nov to 25 dec. is this not fraud? The CBN should look into this.


- ONOWA IDUH ABEL