Do you think your Balance is correct?..

A chargeback might probably been initiated on your account

Well I won't hastily conclude that this is fraud. But I just want you to know that POS means Point of Sale. Double check the transactions you have made and check the balance in your account to know if there's actually any shortage before you take action.

When you get to your bank, ask deep questions. Customer care agents can raise false alarm for Africa

Go to your first bank online app and block your online card transactions first then report to your bank.asap

That's how fintech loan thieves company deducted my account 4k pos description immediately i slot my card details looking for loan and i didn't get it

justBreathe:
Good evening, everyone.

I am an undergraduate student at UNN.
I applied for an opportunity recently that required me to submit a copy of my statement of account (SoA) to the organization for verification.
As i was going through the SoA now, I just discovered a POS transaction (withdrawal) that I never made as I do not use POS at all for fear of scams.

It reads.......

POS TRAN-SABON MAFARKI VENTUR/EN/NG/28072021

A Google search shows the said company is in Taraba state.
https://nigeria24.me/sabon-mafarki-ventures

The debit is N20, 000.


How was the withdrawal even done without my card?
I am so sure my card never leaves me as I'm quite scrupulous about my things.



I am so lost now
Pls what can I do to get this sorted out currently?
Can anyone assist me with the procedure of getting my bank (FirstBank) to look into this?

To think I need money badly this period.

20k was credited on the 27th, and before then your balance was 1,700. Then stamp duty of 50 Naira was removed before the same 20k was then deducted, making your balance to be 50naira short from the initial 1,7xx.

So, Were you the one who deposited the initial 20k and did you get a credit alert for the tranx? If yes, how come you didn’t notice that it was gone? If no, maybe your account officer used your account. Sha go to the bank to confirm

justBreathe:


I will do that tomorrow.
But is there any way to kickstart things tonight?

I was told here that I should mail them and copy CBN and the EFCC..

since the money no much efcc no go do anything no waste ur time try ur bank to help u block the loopholes

So 20k left your account and you didn't notice since. Try reason am well.

As a complaint person for a POS company, I usually deal with these kinds of cases everyday.

First check if the card with you right now is yours. It could have been swapped at the ATM and because the POS address is in Taraba does not mean it's being used there. Somebody can collect a POS from any state and use it anywhere.

Secondly, it's almost impossible for your ATM card to be used without them knowing your details. So find out from your closed friends and family members too who used it.

Thirdly ask yourself serious questions, are you sure you didn't do this transaction by yourself and you have forgotten about it. If you could not take notice of a transaction done on your account for close to two months, there's high possibility of you forgetting you carried out this transaction too.

If you're still in doubt, go to the bank and deactivate that card from your account and get a new one.

You can raise questions about this transaction for the next two years and still not get close to the answer. The POS agent WILL NOT have record of who used his POS to make withdrawals. Even if he had, no criminal will write down his correct details.

That's all I can say for now.

justBreathe:


I will do that tomorrow.
But is there any way to kickstart things tonight?

I was told here that I should mail them and copy CBN and the EFCC..

CBN doesn't act at all from my experience, EFFC won't even acknowledge the receipt of your mail let alone addressing your issue.
God would help you

Remember that day now

Nigerian banks are now stealing customers money..most people are complaining of money disappearing from their accounts..CBN governor be sleeping while the banking sector is collapsing..

My brother, you were not careless with your card. I will advise you to do a mail to the bank officially highlighting this unauthorized debit passed into your account.

Whatever their response is should determine your next line of action.

eghuan1:
As a complaint person for a POS company, I usually deal with these kinds of cases everyday.

First check if the card with you right now is yours. It could have been swapped at the ATM and because the POS address is in Taraba does not mean it's being used there. Somebody can collect a POS from any state and use it anywhere.

Secondly, it's almost impossible for your ATM card to be used without them knowing your details. So find out from your closed friends and family members too who used it.

Thirdly ask yourself serious questions, are you sure you didn't do this transaction by yourself and you have forgotten about it. If you could not take notice of a transaction done on your account for close to two months, there's high possibility of you forgetting you carried out this transaction too.

If you're still in doubt, go to the bank and deactivate that card from your account and get a new one.

You can raise questions about this transaction for the next two years and still not get close to the answer. The POS agent WILL NOT have record of who used his POS to make withdrawals. Even if he had, no criminal will write down his correct details.

That's all I can say for now.

Considering your indept knowledge of this field, may I please ask you this question:
If a transaction declined on a POS terminal and the customer submits dispute form at his bank, and subsequently the banks tells him after several weeks that the money has cleared into the POS terminal, how do you rectify such issue?

You see these POS guys, they are criminals... Fear them.

Even before POS, I was always careful with my accounts after I saw one chance people cleared my colleagues account when they held him at gunpoint then one of them went to ATM with his card to clear his account.

Since then, I adopted a three bank rule...

Savings, transfer and expense accounts.

For savings, I use Piggyvest to keep my funds mostly in dollar to guide against inflation. This is my main savings account... Reason is because Piggyvest is very secure in the sense that, your money cannot be withdrawn to just any account except yours even if the scammer has access to your account... Secondly to change your phone number, name or email, the scammer must contact Piggyvest and ensures accurate information is provided which is impossible...


TRANSFER ACCOUNT: with this I only have Mobile App for it. Reason is because I am a business man and may need to do some transfers. This account is what I use to receive funds before I get them transferred almost immediately to my Piggyvest. Most times I use android phones with two interface and this bank app is hidden away from the general interface which most scammers do not know off. To protect the little funds in this account, I ensure that my SIM card has password because once my phone is stolen, first thing a thief will do will be to switch off the phone and once he turns it off, my SIM goes into lock and he cannot access it unless with my pin or puk.

EXPENSE ACCOUNT: this is the only account I have ATM for. I only put money here when I need to make payment or withdraw cash. I don't trust POS, ATMs or even my wallet. I can lose my wallet tomorrow and the card will be gone, so I only put money I am withdrawing or using immediately.

When I am going out, I try to leave a little amount there in case I am in need of cash. Anybody that wants to steal my ATM details should gladly come and take it.... I bet you will never find money to steal from that account because I withdraw immediately I send... Except u wan thief 5k or 2k

Report the matter to police they will track the criminal. Last year 180,000 was withdrawn from my account and the criminal bought something in Italy with my money and I reported to police, they called my bank costumer care number and I gave them detail information of what happened. Within one month the same POS returned my money.

It shall never be possible to withdraw money from POS without inserting an ATM card.If the transaction was done using fluterwave or paystack it is an online transaction.But POS withdrawal without ATM card is impossicant.You actually did the transaction.

This same thing happened to me sometime ago.
My guy the bank wouldn't help, they kept blaming me.
Just change your PIN and move on bro

revived:
You get too much money nah why

Since July till now you knw now

Sulamalia bro

But Sha contact the bank that claims to be the first but always last to send debit alert

The bolded is 100% accurate. I hate First bank for this

Don't mind this guys,,,, sometimes they are the one that withdrew the money and forgot..

So if not that ur statement of account was issued you wouldn't know?

The statement shows 28july almost 2 months....
Mtchew...

If na me have access to ur acc I will collect the all the money, no need of collecting only 20k while other money is still there nah

Femiblacky:

Ok, u can chat me via the number on my signature, I can tell u what I did

Post am here. Give boys update

pocohantas:


I doubt this. If you need money badly, you would have noticed N20,000 left your account, because if ordinary N1 leave my account, I GO CALL OUT GTB FOR TWITTER, IG AND NAIRALAND.

Report to your bank.

Oshey, true caller

[There two possible causes

1 you use a masercard
2. Looking at the narration, u made transaction on 27th july, but was not debited. But funds was held in your account in line with CBN new policy on POS texts.

quote author=justBreathe
post=106040500]Good evening, everyone.

I am an undergraduate student at UNN.
I applied for an opportunity recently that required me to submit a copy of my statement of account (SoA) to the organization for verification.
As i was going through the SoA now, I just discovered a POS transaction (withdrawal) that I never made as I do not use POS at all for fear of scams.

It reads.......

POS TRAN-SABON MAFARKI VENTUR/EN/NG/28072021

A Google search shows the said company is in Taraba state.
https://nigeria24.me/sabon-mafarki-ventures

The debit is N20, 000.


How was the withdrawal even done without my card?
I am so sure my card never leaves me as I'm quite scrupulous about my things.



I am so lost now
Pls what can I do to get this sorted out currently?
Can anyone assist me with the procedure of getting my bank (FirstBank) to look into this?

To think I need money badly this period.

[/quote]

Let him think hard ..he might hv done the transaction himself cos if it's someone else ....the guy for empty d account na

justBreathe:
Good evening, everyone.

I am an undergraduate student at UNN.
I applied for an opportunity recently that required me to submit a copy of my statement of account (SoA) to the organization for verification.
As i was going through the SoA now, I just discovered a POS transaction (withdrawal) that I never made as I do not use POS at all for fear of scams.

It reads.......

POS TRAN-SABON MAFARKI VENTUR/EN/NG/28072021

A Google search shows the said company is in Taraba state.
https://nigeria24.me/sabon-mafarki-ventures

The debit is N20, 000.


How was the withdrawal even done without my card?
I am so sure my card never leaves me as I'm quite scrupulous about my things.



I am so lost now
Pls what can I do to get this sorted out currently?
Can anyone assist me with the procedure of getting my bank (FirstBank) to look into this?

To think I need money badly this period.

Dude you must have entered your card details plus pin

2k since July and u jus d know? OP howf na make I drop my aza? Because e be like ur money long o
Modified: anyways if what you're saying is real then you need to complain to ur bank and pls disable your atm so that no one will be able to use it till you visit the bank and be careful the kinds of sites you drop your card details. Good luck in your quest

Jeromejnr:
First bank abi?..someone close to me just complained similar thing not too long ago.
Going to rage at the bank tomorrow.

same stupid firstbank ba? I made transfers to two different people last week, and they never received any alert, myself i didnt received any alert too but when i checked my balance, i discovered that the money i transfered has been deducted from my balance even till this day, its yet to be reversed, am at the outskirt of town and very busy now thats why i never go give them wahala.

How did you know the POS was a withdrawal? No POS stamps as withdrawal na if I am not mistaken

I am more interested in the kind money wey you get where 20k jakpa from your account and sweat no do you for dream.

uncleck:

Considering your indept knowledge of this field, may I please ask you this question:
If a transaction declined on a POS terminal and the customer submits dispute form at his bank, and subsequently the banks tells him after several weeks that the money has cleared into the POS terminal, how do you rectify such issue?

When you fill the dispense error form at the bank, the POS company will be contacted and their response to the form is called a charge back on that transaction.

The bank ought to have printed that charge back, give it to you and you take it to the POS company to sought it out.

They will most likely credit the money to the POS account or back to your account.

Be certain that money cannot miss as long as due process is followed.

U fvck up guy.
Alert wey enter ur phone since July?

Thinktwicemybro:
op you are a lair: these are my reasons

1. I don't buy your builshit lies
2. As hard as Nigeria is today, everybody knows their account balance
3. If 20k is Missing from your account you would have known before now, 20k is no 1kobo.
4. Are you telling us that if not for the application that needed your statement of account you won't have know that 20k is missing all these while.
5. Stop chasing clout we are more intelligent than this.

PS: if it's true at all know that someone very close to you used your ATM card to withdraw from a POS vendor and delete the alert from your phone.

� sure truth