NewStats: 3,263,798 , 8,181,436 topics. Date: Saturday, 07 June 2025 at 11:54 PM 3c236h

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or anymore.

ii. I will be forced to open a new regular bank .


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email [email protected] isn't even working anymore.)

In fact, I opened a WEMA Alat because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

Hi. Very simple. Go to their social media handles : Facebook, Instagram, Twitter. Go their and seriously drag them. Look for their latest tweet or post with the highest number of comments. Go under the comments and drag them. Make a good case by explaining exactly what happened, screenshots. Check back later and you'll get a reply. Then follow it up by providing those screenshot or s again. Thank me later. Goodluck

lilachiever:



The only bank I can recommend is Zenith Bank.


PS: I've used FBN and they were thrash, lost 50K to their incompetency. I use GTB too, but only as a transaction and I don't leave more than 5K in the (never experienced a failed transaction too.

My own thing is that I'd never ever use a POS no matter what, if the POS outlet won't take transfer I'll just Waka and if I want to withdraw using ATM, I'd make sure to use my bank's ATM gangan...

Oga I am using UBA and I don't have any issue with them since 2007.... So you complaining about virtually all the banks baffles me... As an ex banker once you report a cash retract or dispense pending issues, first report at the branch level then start calling customer care line they will give you the code of your report so you can track the progress of your complains. And believe me it works. They will be calling you from time to confirm if you have received the alert

I use ALAT and Gtbank too but never experience either dispense or pos error... The only time I experienced error was during a airtime transaction of around 2k on ALAT... I them on Instagram.. Was asked to send the transaction details or screenshot and it was reversed same day... Within an hour i think.. I guess the Covid-19 is affecting their customer service... I always get audiences with them.

No Bank in Nigeria is perfect or free from dispense errors let's face the truth... What matters is reversal rate...

Try FCMB

Stanbic IBTC has been the best for me. Zenith isn't bad either.

On your own,you are a terrible customer,hard to deal with, difficult to satisfied..Opay or Paycom bank may your bank..

I broke my own Because the bank is useless, told them to close my they keep giving excuses and telling me trash

Op try Vbank.
Transaction are made online.
There customer service is top notch.

mhizv:



Fidelity!? That bleeped up bank?

They still owe me 10k since last yr! And a failed transfer of 7k this year!

They keep posting me! Next 7 days ! Next 7 days.

They only paid back a recent failed transaction,after I told them I had sent an email to CBN...cos they'd pay double if CBN confirms the failed transaction,and a delay In refund from them.

bro, please guide me on how to mail Cbn, on this issue...

hope to hear from you.

FCMB: This bank got the best customer care

Op, there is a link you can report the erring bank to CBN and they will pay you N10000 extra for not reversing your payment in 24hrs.

 Your Bank Fails To Resolve Your Complain

If after lodging your complaint your Bank still fails to engage you and resolve the complaint within 2 Weeks as provided for in the ATM HELP DESK Circular, you have the right to escalate your complaint to the Consumer Protection Department (D) of the CBN.

Complaints to Consumer Protection Department

You can only direct your Complaints to D upon the failure of your Bank/Financial Institution to resolve your complaint within the 2 weeks timeline given by the CBN.

ing Consumer Protection Department

You can the D through the following channels: 
E-mail: [email protected] 
Letter: Director, Consumer Protection Department 
Central Business District, Abuja 
Your letter of Complaint should be addressed to the Director, Consumer Protection Department. You can submit your letter at the CBN Head Office OR at any of the Central Bank of Nigeria branches of nationwide. 
Does the D Deal with all Types of Complaints? 
The CBN deals with all financial related complaints so far as it is against Financial Institutions within its regulatory purview. How to Write an Effective Complaints Letter 

Your complaint should be clear and concise to avoid ambiguity. The Complaint letter (petition) should contain amongst other things the following: 
• Name, Address, Phone Number & E-mail of the Complainant; 
• Name of your Financial Institution; 
• Personal banking details (Do NOT include PIN & s, please 
• History/Date of the transaction in dispute; 
• Amount claimed (if any); 
• Attach relevant documents to you claim and; 
• Evidence to show that you have first lodged the complaint at your bank. 

You can make your further inquiries and obtain additional information on the Complaints Handling Process of the Central Bank of Nigeria from the Complaints Unit of your Bank/Financial Institution or from CBN offices nationwide.

From CBN website

amaifehenry:

Hi. Very simple. Go to their social media handles : Facebook, Instagram, Twitter. Go their and seriously drag them. Look for their latest tweet or post with the highest number of comments. Go under the comments and drag them. Make a good case by explaining exactly what happened, screenshots. Check back later and you'll get a reply. Then follow it up by providing those screenshot or s again. Thank me later. Goodluck

This is the best way to get any company attention in Nigeria... Especially Instagram/Twitter.... Works for me always be it bank or telecoms

Don't near fidelity bank, my gf uses dat bank its just too horrible, I will suggest zenith bank for you

Just start using kolo

Wema na bank?...haba

FCMB is the way to go, try them

Fidelity bank is one of the best In of being customercentric and improvement in their technology

I use Wema alat too and the annoying part during this lockdown is that I called but was delayed for so long before I was finally attended to..I spent Over 30mins before my call was picked,they were playing me foolish songs while I was waiting Not knowing my Sim balance will be deducted for the calls I made to the customer care..the money I loaded to subscribe and make some important calls that morning went for vanishing..imagine how you will feel from balance of 2500+ to 0.00naira after you checked...and what I complained for hasn’t been rectify uptill now that I am typing

Nigeria banks are shit , thats why scammers do anyhow with their s. They don't take action when things go wrong.

in abroad where i live, when you give a complaint, they will act fast to make their customers happy.

Nigerian banks will make you to regret having a bank .

We need a banking revolution in Nigeria to meet up with the world standard .

amaifehenry:

Hi. Very simple. Go to their social media handles : Facebook, Instagram, Twitter. Go their and seriously drag them. Look for their latest tweet or post with the highest number of comments. Go under the comments and drag them. Make a good case by explaining exactly what happened, screenshots. Check back later and you'll get a reply. Then follow it up by providing those screenshot or s again. Thank me later. Goodluck

By the way. Waiting 14 days is standard banking protocols for resolving failed transactions. Too many fraud so they need to validate. I think its too long sha. I feel your pain. Do as I just said. Also send them a DM as well on those social media handles. Am sorry to say, but threaten to close your while dragging them.

femmyapson:

Bro in this case..
OPAY is the best solution for you.
No kululu No Kalala.
All you will be doing is just transfer to the POS outlet acc no and receive your cash.
No card maintenance fee palaba.. No debit/credit alert service fee..#0 transfer charges to all bank.
their App on playstore to get started

Op, I recommend this too. I personally use it. I don't leave money in any of my banks' s. I send them to my Opay immediately to avoid failed transactions, charges, illegal and unnecessary withdrawal. It's totally free.

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or anymore.

ii. I will be forced to open a new regular bank .


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email [email protected] isn't even working anymore.)

In fact, I opened a WEMA Alat because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

Try standard chartered bank of Nigeria, have been using them since march, no illegal deduction, free transaction, no maintenance fee charged and you can easily get in touch with there customer care team. They have a toll free line too in case you have a complain.

Zenith bank bro ....

yesloaded:


UBA online customer care is ok but they can descut money like tomorrow no dey

their customer care is superb including access but uba can cut money ehhh

Try ecobank of naija U will like it and their customercare service.. Mine since Feb 6 2009 till nw.,they are tryin.

Sorry about this Op, I bank with GT Bank, am surprised about delay services, i normally send mails to cardservices at GT bank, find out about it ,mails are treated on time.

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or anymore.

ii. I will be forced to open a new regular bank .


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email [email protected] isn't even working anymore.)

In fact, I opened a WEMA Alat because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

Blackbishop:


Oga I am using UBA and I don't have any issue with them since 2007.... So you complaining about virtually all the banks baffles me... As an ex banker once you report a cash retract or dispense pending issues, first report at the branch level then start calling customer care line they will give you the code of your report so you can track the progress of your complains. And believe me it works. They will be calling you from time to confirm if you have received the alert

UBA no follow, did online transaction, it wasn't successful. Went straight to the closest branch made complain to the customer service.
She give me form which I filled, madam had to tell me that this might take months before they reverse the money. What I notice was this failed transaction are being fixed by the head office.
With annoyance I just Waka comot.
Up till date, I'm yet to get my money

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or anymore.

ii. I will be forced to open a new regular bank . [color=#006600][/color]


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email [email protected] isn't even working anymore.)

In fact, I opened a WEMA Alat because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?You don't wantt this bank you don't want that bank....l will advise you to go for Piggy Bank

Nettybrown:

Just visit any of the branches and see for urself bro.

I agree,
Zenith bank is the best bank for me.

Shoodboi:
I am so pissed off right now.

I wasn’t angry when I broke the card. I just wanted to make sure that:

i. I will not be able to use the card or anymore.

ii. I will be forced to open a new regular bank .


The Story (in brief)

I suffered a failed POS transaction yesterday.

I sent Wema ALAT a mail and they are yet to reply as of now (almost 24 hours later).

I called them this morning and listened to a recorded message about how my call may be delayed because of COVID-19. I quickly cut the call. Their customer wasn’t effective before the virus came along, so I wonder what to expect now.

I later visited their bank and the customer care rep told me the transaction will be reversed within 14 days, if they were sure that I was really unable to withdraw the money.

14 days? Why is this so?

The money doesn’t even belong to me and the owner is very angry with me right now. Someone sent it to her and she wanted to use someone else's to receive it, but I convinced her to use me—and then this happened.

Worse, she needs it for feeding and I don't have any money to give her. (She wasn’t paying me for the service in case you’re wondering.)

I suffered the same thing in the hands of GTB. (Their regular customer service email [email protected] isn't even working anymore.)

In fact, I opened a WEMA Alat because of GTB’s failures. I thought Alat will be better since they marketed themselves as a “Digital Bank”, but it appears that I was wrong. They are “digital” in name only.

This should be the third or fourth time WEMA Alat is doing this sort of nonsense to me. And that is without counting the failed mobile and POS transfers.

I am actually not concerned about GTB’s and Wema’s failures. I just hate their terrible customer service.

Failed transactions are one thing. I actually consider them normal. However, poor customer service and unwillingness to quickly solve failed online transactions aren’t. And this is unfortunately common with most banks and businesses in this country.

Now, I’ve have made the decision to stop going cashless. I will start moving around with cash henceforth. I’m sick and tired of all these failed POS transactions and sluggish customer service reps.

I know I will still do some online transactions but that will be occasionally (online shopping, international payments, etc.)

That said, I want you all to answer these two questions:

1. Which bank is reliable for online transactions?

2. Which bank has the most effective customer care service in this country?

I’m thinking of opening a Union bank since I can see they have revamped their business, but I don't want to jump into conclusions as I did with Alat.

Could you all help me out?

P.S. Please UBA and Skye (if this one still exists) are out of the equation. I used them in the past and can confidently say they are terrible. They steal money.

I don’t want Access bank too. I’ve never read anything good about them. They and fraud are relatives. I don’t want Diamond bank either since they are the new owners of Access bank.

So, any suggestions?

i can vouch for union bank's customer care service.

I'm not too savvy with their online platform, but i dont think it's like GTBank.

UBA is a waste of time. I closed their years ago, a problem with payment nearly made me lose my first provisional license.l so i closed the in anger. But i realised i made a fatal error as i had ed it as my salary for internship. I called their customer care and did all I could to reopen the to no avail. I had to go through the process of opening another salary . I then got a call from them last year that they had reopened my and my ATM CARD was ready. Useless set of people.I haven't gone to meet them

Bro try VFD bank(Vbanking)..

well i never had issues with GTB,ACCESS,DIAMOND ..........SO PLS RECONSIDER ANY OF THEM