12/09/2026
PLEASE READ THIS IF YOU USE A NIGERIAN BANK 🏦🚨
If you see unauthorized debit and bank says "it was an online transaction with your card"
DON'T PANIC. And DON'T accept that money is gone.
This happened to me 2 TIMES. $10, $20 debits from my domiciliary account.
Access Bank said "your card was used, nothing we can do"
I said NO.
1. My card was with me throughout
2. Show me HOW I authorized it?
Where is the OTP?
Where is the PIN authorization?
Where is second-level authentication?
They couldn't provide it.
HERE'S WHAT CBN SAYS:
CBN Guidelines on Operations of Electronic Payment Channels says when you report an error, bank MUST investigate and resolve in T+5 days.
Bank must also have fraud protection measures. Simply saying "your card was used" is NOT ENOUGH.
WHAT TO DO:
✅ Report immediately
✅ Put complaint in WRITING
✅ Keep your reference numbers, emails, statements
✅ Demand proof of authentication
✅ If they refuse, copy CBN and other financial regulatory agencies
✅ If bank fails within CBN timeline, escalate to CBN Consumer Protection Department
I wrote email, copied CBN - ALL MY MONEY WAS REVERSED.
Don't let any bank bamboozle you with polished English.
Learn how it works. Your money is your right!
Save this. You will need it someday.
Share to your family group - this is IMPORTANT!
Have you experienced this? What bank did it? Comment below 👇
