Enskynelson:
Man, 200k gone just like that?
I have experienced same severally with my accounts... Access Bank, and UBA. I don't think it's an issue specific with UBA alone. The peak of all these issues was during their fake cashless policy forced on Nigerians.

The next step is to look for how to retrieve your money. You will need a police statement and u may need to go to court before going to the bank. You have his phone number and that failed transaction details you have can be the way forward.

Some of us are not so different from the guy who is running away with your money. The only reason some don't steal is because they are sure they will be caught. What if u can take those millions and no one will ever catch you, will you still steal?.

i will gladly steal from a mumu like this op, mugu must fall for guyman to chop

respect80:

So what then is the essence of the mobile banking as a whole if a successful transfer which a transaction receipt has already been generated for can be reversed to the sender. Why show successful and having the receipt generated if for any reason there is no guarantee that the sender's bank has debited the money from their customer's account and sure of crediting the money to the recipient's account?
Let's stop being archaic and primitive, this is the 21st century ffs. UBA has no right to refund a money which their customer consciously paid for goods to their customer after showing that the money has successfully been transferred to the recipient.
This is not a failed or pending transaction, this is also not a mobile wallet issue or a forged receipt or fake credit alert. I'm talking about a successful mobile app transfer with a receipt and a transaction reference.

see all the English you typed and full here like a wise person but you still couldn't apply common sense in business

Enskynelson:

I disagree still. When we keep giving excuse for scammers to go Scot free, we are indirectly encouraging them. I understand all you said. But we need not give up like that because that will give him the confidence to try this next time on someone else.
The fee may not be as much as they have estimated. Try and find out yourself.

Right. I witnessed a situation where at the end of the day, the owner of the lost possessions was refunded all their expense; paid by the culprit.

intruder15:


Engage UBA fraud team then. Explain the issue and request they assist recover the funds.

contact to UBA fraud team please

Emdee590:
contact to UBA fraud team please

It should be online. Google it.

Bintabisiriyu2:




i will gladly steal from a mumu like this op, mugu must fall for guyman to chop

U will end up in prison with this mentality, it is very easy to track someone with NIN and BVN, respect yourself and stay out of trouble, we are treating a similar case now, someone who think he is smart but has spent four days in Police cell now

Oga, truth be told, you were scammed, and it has no business to do with Uba. The earlier you accept you made a mistake, the easier you move on.
You gave someone your account number, he transfered, you confirmed the transfer by looking at his phone screen.
Did you open your Uba app to confirm a credit reflection in your account balance? Did you receive a text message confirming a bank transfer?
Rather you said money was reversed. For it to be reversed after hitting your account, that means it reflected inside your account then went back out.
In that case you should see incoming credit and the outgoing deduction of the money on your bank statement. If you have that then go to your bank for refund. But you know what can bet, it never happend that way.
I suggest you be carefully calling out Uba falsely. You could put yourself or your employer in a lot of trouble.

Go to his bank and report using details of the transfer

Don't blame UBA but blame yourself.
You allow someone that did business transaction to go when you know the person fully even if,
you don't get credit alert.

I have been using UBA app.for a along time.
Only once,out of several times, did it reverse successful transaction.
But personally,UBA app has 98% success rate.

respect80:
Sometimes I wonder if our

Next time, no customer should carry any goods if the transfer amount does not show in your bank account. Reason: you can always deliver the goods to the customer afterwards when you see the money in your account.

2. The customer knows your fixed location and can always come back to carry the goods but you don't know the customer's location and customer can disappear.

respect80:
Sometimes I wonder if our society prioritize the idea of curbing digital and financial crime or they actually create an enabling environment to abet such crimes.
Amidst this naira scarcity which still persist to some extent in various areas, it will be an understatement to say that our banking system failed woefully if we're to judge by their performance throughout the naira crisis till date.
I wish to bring to everyone's attention that the United Bank for Africa (UBA) is more of a criminal organization that one has to be careful with while dealing with their customers because there's a high chance of one getting into trouble due to the lapses from their back-end.
UBA bank is one of the banks which a successful mobile transfer from their customers can easily be reversed to the customer after business has been transacted and the customer is gone.

My experience
I was at our shop when a customer came in to make some purchase of goods to the tone of almost 200,000. He tried to pay with card but the machine couldn't read his card so we opted for the option of transfer which he did using the UBA mobile App in his phone. I saw him did the transaction and he it was successful. I waited for the alert to drop after a few minutes but it didn't. I now asked him to share the receipt of the transaction with me but he suggested I should just snap it from his screen since his colleagues were already calling on him which I did. I snapped the receipt containing the transaction reference, sender's name, recipient account number and bank, name of sender and date then we exchanged contact which I dialed the number to be sure that the number was active and inside his phone. After checking my account with my first mobile app severally and not seeing the money, I now decided to send 1,000 naira from my OPAY account to my First bank account to see if that will trigger both alert to drop but still, I also didn't get the alert for the 1,000 I did so I symply assumed First bank was probably having credit alerts issues so I was calm and didn't bother to disturb him only for me to hear my phone ringing and it was the customer calling, I picked the call and he told me that the money had been reversed to him and that boosted my confidence somehow so I imagined he couldn't have been a fraudster then I asked if I should send another account number and he agreed then I sent my fidelity bank account. Then I started calling him to confirm if he had received the message but he didn't pick. I kept calling at intervals for six times and later sent him a text then he called me back telling me that he had seen the account I sent that his mobile app was just having network issues that I shouldn't worry.
Then when we were about to close, I decided to ask him about it again but his line was no longer reachable and his call was already forwarded to a non existence number. Till this moment, I haven't been able reach the customer neither did he call me.
Thanks to UBA bank who will reverse a successful mobile transfer to their customer after business must have been transacted.
If I hadn't had this experience with my kid sister who owns a UBA bank and did a 10k transfer to me which showed successful and she was debited but which was later reversed to her, I would have assumed that the customer must have used a cloned mobile app to defraud me but no, that is how UBA operates. They can reverse a money transfer to their customers after it shows successful with transaction receipt generated.
I'm just down right now, don't know what to do cos I don't have such amount of money to repay my boss.

simple write a petition to the bank with his accounts details , transaction receipts,phone number and name ! This accounts will be flagged for fraud with him bvn blacklist he will surely pay up . To must work to recover the Funds

Take the receipt to his bank and explain what happened. They'll track the transaction with the transaction ID on the receipt to make sure the money was reversed. Go to the bank now.

Sorry bro...
That's how all dis banks does...
Some days ago I had same experience with gt bank.
The Guy transferred through gt bank mobile app and I saw it successful and the receipt was generated.
Thank God he was someone I've been dealing with for a long time.
If not that's how the money would jus go like that.

MarketDispatch:


Next time, no customer should carry any goods if the transfer amount does not show in your bank account. Reason: you can always deliver the goods to the customer afterwards when you see the money in your account.

2. The customer knows your fixed location and can always come back to carry the goods but you don't know the customer's location and customer can disappear.

You are absolutely right. I put too much trust on our banking system that's why I fell victim.
Let's all start behaving very archaic and primitive since our institutions can't live up to the standards they propose.
If it was a fake alert, I would admit that I was outsmarted, If it was an edited receipt I would admit same. UBA just gave that opportunity to the culprit to defraud me by returning his money back to him after he genuinely transferred and I saw him download the pdf file of the receipt before I snapped it from his screen.

Jacobx007:

U will end up in prison with this mentality, it is very easy to track someone with NIN and BVN, respect yourself and stay out of trouble, we are treating a similar case now, someone who think he is smart but has spent four days in Police cell now

keep shut, fellow criminal

ahiboilandgas:
simple write a petition to the bank with his accounts details , transaction receipts,phone number and name ! This accounts will be flagged for fraud with him bvn blacklist he will surely pay up . To must work to recover the Funds

Yes, someone suggested the petition but he said it has to be through the police who will now obtain a court order and take it to the bank and ask that the account be put under investigation. I'm just considering the financial involvement before embarking on this.
Thank you very much

respect80:

Yes, someone suggested the petition but he said it has to be through the police who will now obtain a court order and take it to the bank and ask that the account be put under investigation. I'm just considering the financial involvement before embarking on this.
Thank you very much

it not going to be much ! Put you expense as part of the recover .

respect80:

You are absolutely right. I put too much trust on our banking system that's why I fell victim.
Let's all start behaving very archaic and primitive since our institutions can't live up to the standards they propose.
If it was a fake alert, I would admit that I was outsmarted, If it was an edited receipt I would admit same. UBA just gave that opportunity to the culprit to defraud me by returning his money back to him after he genuinely transferred and I saw him download the pdf file of the receipt before I snapped it from his screen.

Banking System that even Emefiele their Governor does not trust ..that is why he dishes out different Circulars at times.

In terms of transfer, the objective is for the money to register in your bank account and your account balance changes. Anything other than that, keep the goods till it shows

To me those scammer staged everything from onset

When u told him to transfer the receipt to u, the scammer insisted u screenshot IT from his screen,

At that same time the people waiting for him were rushing him to come over

All this happened at a flash, to enable u not to calculate/suspect anything

The scam was intentional

Tips to note fake alert

I learnt it from Nairaland

Check the amount in words, does it correspond to the amount in figures

Example five hundred thousand (500,000)

The date of the transaction does it have spaces between them

Example 19 April 2023

Here its a screenshot of original receipt and fake receipt respectively

favour32:
Don't blame UBA but blame yourself.
You allow someone that did business transaction to go when you know the person fully even if,
you don't get credit alert.

I have been using UBA app.for a along time.
Only once,out of several times, did it reverse successful transaction.
But personally,UBA app has 98% success rate.

Oh, so UBA actually once reversed a successful transaction to you?

nedekid:
Oga, truth be told, you were scammed, and it has no business to do with Uba. The earlier you accept you made a mistake, the easier you move one.
You gave someone your account number, he transfered, you confirmed the transfer by looking at his phone screen.
Did you open your Uba app to confirm a credit reflection in you account balance? Did you receive a text message confirming a bank transfer?
Rather you said money was reversed. For it to be reversed after hitting your account, that means it reflected inside your account the went back out.
In that case you should see incoming credit and the outgoing deduction of the money on your bank statement. If you have that then go to your bank for refund. But you know what can bet, it never happend that way.
I suggest you be carefully calling out Uba falsely. You could put yourself or your employer in a lot of trouble.

It's either you didn't comprehend my post or you just want to comment. Oya see a UBA bank customer above confirming the fact that a successful transfer was once reversed to him. My kid sister who also banks with UBA has had this same experience twice or more so don't try to tell me that this matter has nothing to do with UBA

Bintabisiriyu2:



see all the English you typed and full here like a wise person but you still couldn't apply common sense in business

You need a brand new head

respect80:

Oh, so UBA actually once reversed a successful transaction to you?



It's either you didn't comprehend my post or you just want to comment. Oya see a UBA bank customer above confirming the fact that a successful transfer was once reversed to him. My kid sister who also banks with UBA has had this same experience twice or more so don't try to tell me that this matter has nothing to do with UBA

Oga, calm down.
When you quote that poster that spoke of a sucessful transaction reversing. I can bet he meant HE transfered to someone and it showed success on HIS app, then reversed. The issue, did the BENEFICIARY receive a credit of the money and it the reversed out of his account?
Download your statement. Check for the transaction. Is there a credit of the money in your account? Is there also a removal of the same amount from your account ie reversal?
If yes, then you have a case against the bank, if no, then you do not have a case. The fellow simply scammed you and the bank bears no responsibility.
Anyone that tells you otherwise eg your kid sister is only being emotional. In short consoling you. (assuming the story is as you told it).
I am sure you have approached the bank and they ignored you.
Better still go to the police and report the bank so they can investigate, you may also table it before a lawyer, a honest one that will be truthful, not just collect your money. Get the lawyer to write a letter to the bank and see their response.
Bros, 2ice I have dealt with banks, 1st time I got compensated. 2nd time my money was stolen, I got my money back with compensation for expenses ran.
Legal wise, i know how court works, I recently fought a case for 8 years and got judgement in my favor for monetary compensation.

Bintabisiriyu2:




i will gladly steal from a mumu like this op, mugu must fall for guyman to chop

He still does not get it. If I were his boss, I will stop him from financial transactions to avoid more loss. He has a good mind, but naive.

The poster ignorance is very arrogant. Even when many people have told him he was simply scammed and it is not the fault of the bank, he does not want to learn.

Oya go and hire SAN and sue UBA to court.

nedekid:

Oga, calm down.
When you quote that poster that spoke of a sucessful transaction reversing. I can bet he meant HE transfered to someone and it showed success on HIS app, then reversed. The issue, did the BENEFICIARY receive a credit of the money and it the reversed out of his account?
Download your statement. Check for the transaction. Is there a credit of the money in your account? Is there also a removal of the same amount from your account ie reversal?
If yes, then you have a case against the bank, if no, then you do not have a case. The fellow simply scammed you and the bank bears no responsibility.
Anyone that tells you otherwise eg your kid sister is only being emotional. In short consoling you. (assuming the story is as you told it).
I am sure you have approached the bank and they ignored you.
Better still go to the police and report the bank so they can investigate, you may also table it before a lawyer, a honest one that will be truthful, not just collect your money. Get the lawyer to write a letter to the bank and see their response.
Bros, 2ice I have dealt with banks, 1st time I got compensated. 2nd time my money was stolen, I got my money back with compensation for expenses ran.
Legal wise, i know how court works, I recently fought a case for 8 years and got judgement in my favor for monetary compensation.

My kid sister was only being emotional about what exactly? You mean she never did the transfer but claimed she did it or she wanted to scam me too? If you're telling me that the UBA mobile App indicating that the transaction was successful and generating a receipt for the transaction is not enough to indicate that I will be credited then I will understand and that will be the highest level of deception by UBA because I don't see any reason why the app interface should indicate that the transaction was successful and even went on to generate a receipt for it when they're not sure they had debited the money from their customer's account to have it credited to the beneficiary's account. Telling me that the money was never transferred or my sister was being emotional is what I don't understand.
Note that after the culprit transferred the money and I checked with my mobile app and couldn't see the money, I immediately transferred 1,000 from my OPAY account to the same account to see if that will drop immediately or if it will trigger both alerts to come but still, I didn't get a credit alert for the 1,000 I transferred and I still checked my app but it didn't reflect. It was 2-3 hours later before I got the credit alert for the 1,000. Why didn't OPAY reverse the money to me since they couldn't send it to my first bank immediately?
I will go by your advice to follow up the matter legally but don't try to tell me it is totally impossible for a transfer which has been indicated to be successful to be reversed to the sender by some s****d banks because that was exactly what happened.
Last month, I did a USSD transfer of 20,000 twice from my mum's microfinance bank to my account and she was debited twice but later got credited twice after 10 minutes while I was waiting for the money to be credited to my account but I wasn't that surprised because I already knew that microfinance bank network is not reliable and that was also a USSD transaction but I never knew they had that in common with UBA.
Call me a fool for not insisting on getting credited and see the money reflect in my account before releasing the goods and I won't argue with you but trying to justify UBA bank in this matter is something I will never accept. Thank you

respect80:


You need a brand new head

you need to pay up the 200k,

please give me your boss number i need to chat something with him.

i know some ruthless police officers that would handle your case, just 10k and within 2 days you will produce that money by force.

Bintabisiriyu2:




you need to pay up the 200k,

please give me your boss number i need to chat something with him.

i know some ruthless police officers that would handle your case, just 10k and within 2 days you will produce that money by force.

Do not mind the stubborn ignorant sales boy. Which intelligent person uses 'transaction succesful' for his business?
Last year. I bought new plasma tv through transfer. The seller waited for few minutes for alert to drop before giving me the product.
This year, I have bought gas and petrol with bank transfer and the outlets had to confirm via sms bank alerts or bank app before they gave me the product.

Bintabisiriyu2:




you need to pay up the 200k,

please give me your boss number i need to chat something with him.

i know some ruthless police officers that would handle your case, just 10k and within 2 days you will produce that money by force.

You're just on the loose, keep cruising

MasterJayJay:
There is nothing wrong with the transaction. All banks do reversal if the transaction doesn't deliver to the recipient.

Your carelessness caused it..You didn't get any alert neither did your balance reflect it.

Banks cannot reverse money that has already reflected in your account, unless in special cases like wrong account number being credited. This even takes longer.

Zenith Bank reversed my money via quick teller merchant from an online platform. I send the money back from the online platform to my account, quickly I moved all the money elsewhere. I was debited again but, in debt. (negative balance)

Transaction successful because it has hit UBA server, it is automatically assumed by the system that you have received the money completely.

chicoMX:
UBA is a very stupid bank in terms of transfer. What you shared here happens at least 2-3 times every week (if you use their app everyday).

How about Kuda that reset many users balance to zero last month abi last two months? Any money I receive = 0 Zenith own and delayed alert and refusing to log into mobile banking.

Enskynelson:
Man, 200k gone just like that?
I have experienced same severally with my accounts... Access Bank, and UBA. I don't think it's an issue specific with UBA alone. The peak of all these issues was during their fake cashless policy forced on Nigerians.

The next step is to look for how to retrieve your money. You will need a police statement and u may need to go to court before going to the bank. You have his phone number and that failed transaction details you have can be the way forward.

Some of us are not so different from the guy who is running away with your money. The only reason some don't steal is because they are sure they will be caught. What if u can take those millions and no one will ever catch you, will you still steal?.

the only reason some of us don't steal is because we have the fear of God and obey his commandment.case closed.