{"id":92031,"date":"2023-07-11T10:02:02","date_gmt":"2023-07-11T09:02:02","guid":{"rendered":"https:\/\/www.africa-press.net\/nigeria\/uncategorized\/failed-transactions-frustration-agony-persist-for-banks-customers"},"modified":"2023-07-11T13:22:36","modified_gmt":"2023-07-11T12:22:36","slug":"failed-transactions-frustration-agony-persist-for-banks-customers","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers","title":{"rendered":"Failed Transactions: Frustration, agony persist for banks\u2019 customers"},"content":{"rendered":"

Africa-Press – Nigeria. <\/strong><\/span>The unending complaints of non-reversal of banks\u2019 failed customer transactions have continued to raise serious concerns within Nigeria\u2019s financial sector.<\/p>\n

Over 60 per cent of complaints from banks\u2019 customers hover around failed transactions.<\/p>\n

The development is causing pain, frustration and agony for many customers.<\/p>\n

However, at a sensitization fair in Bauchi last week, the Central Bank of Nigeria, the regulator of the Country\u2019s financial sector, said that commercial banks\u2019 customers got N115 billion in refunds of failed transactions within ten years.<\/p>\n

Recall that in June 2020, the CBN, in an effort to curb incessant complaints from banks\u2019 customers, issued a revised timeline for the Dispense Errors refunds.<\/p>\n

The CBN said that for ATM dispensing errors from customers\u2019 banks, the reversal should be immediately or at most within 24 hours.<\/p>\n

On the other hand, for transactions on other banks\u2019 ATMs, the reversal should be at most 48 hours.<\/p>\n

\u201cFailed \u2018On-Us\u2019 ATM transactions (when customers use their cards on their bank\u2019s ATMs) shall be instantly reversed from the current timeline of three (3) days.<\/p>\n

\u201cWhere instant reversal fails due to any technical issue or system glitch, the timeline for manual reversal shall not exceed 24 hours; Refunds for failed \u201cNot-on-Us\u201d ATM transactions (where customers use their cards on other banks\u2019 ATMs) shall not exceed 48 hours from the current 3-5 days.<\/p>\n

\u201cResolution of disputed\/failed PoS or Web transactions shall be concluded within 72 hours from the current five (5) days.<\/p>\n

\u201cAll banks are directed to resolve the backlog of all ATM, POS and Web customer refunds within two weeks starting June 8, 2020\u2032\u2032, CBN stated.<\/p>\n

But, this is not the case for many banks\u2019 customers. Some banks spend weeks or months before ratifying failed transaction complaints.<\/p>\n

In fact, for some banks, it takes forever. The complaints are rampant.<\/p>\n

For instance, Counselor Obareki said he was pained that he had not received a reversal on his bank\u2019s failed transaction for over three months.<\/p>\n

According to him, he initiated several complaints at the bank but to no avail.<\/p>\n

\u201cI have visited the bank countless times; unfortunately, the refund is yet to be made. Honestly, the CBN must do something urgent about the attitude of commercial banks. How can a bank refuse to reverse my N20,000 for over three months? It is pathetic,\u201d he said.<\/p>\n

Obareki is not alone. Sani Basiru had a similar experience.<\/p>\n

He explained that he has been off and on a bank\u2019s premises in Zaria on the issue, but nothing had been done for three months now.<\/p>\n

\u201cWhen I complained, I was told I would get a reversal in 48 hours, but this is three months now, yet nothing of such\u201d, Basiru said.<\/p>\n

Benjamin Okechukwu said in the first quarter of 2023, over N100,000 of his money from failed bank transactions had not been reversed.<\/p>\n

\u201cI have done all sorts of things to register my complaints, but it seems they fell on deaf ears.<\/p>\n

\u201cI recently called them out online and got an instant response, but the reversal is yet to be done. I think sanctions will curb this menace. It is excruciating that one cannot get back his hard-earned money due to failed bank transactions. The thing is frustrating,\u201d he said.<\/p>\n

Okechukwu\u2019s plights like that of many other Nigerians cast aspersions on the credibility of the country\u2019s financial sector.<\/p>\n

Amid the imminent concerns by banks\u2019 customers, when DAILY POST contacted Dr Isa Abdulmumin, the CBN Director of Corporate Communications to speak on the matter, he did not pick up nor reply a message as of the time of filing the report.<\/p>\n

In the same vein, First Bank\u2019s spokesperson, Kehinde Taiwo did not pick up his calls.<\/p>\n

Earlier, reacting to service failure complaints in the banking and other sectors, the Federal Competition and Consumer Protection Commission (FCCPC), saddled with the responsibility of consumer and customer protection, advised that companies must be more responsive to their customers.<\/p>\n

He added that the Commission was committed to issuing sanctions to institutions that flout its regulation.<\/p>\n

\u201cFCCPC believes that the regulatory system is not the only way to be most responsive; the company should be responsive to the people so that they do not need to get to the regulator\u201d, the Executive Vice Chairman of FCCPC, Babatunde Irukera, stated in a Channels Television interview on Monday.<\/p>\n

On Monday, a former president of the Chartered Institute of Bankers of Nigeria, Mazi Okechukwu Unegbu said the CBN was guilty of the unfortunate menace of banks\u2019 customers\u2019 failed transactions.<\/p>\n

According to him, the CBN should back their regulation with severe sanctions and fines so that banks would wake up and do the right thing.<\/p>\n

\u201cIt is unfortunate that the situation is like this in Nigeria. The ATM and PoS machines they use abroad are the same as we use here in Nigeria, but when you have dispensal errors or other failed transactions, a 24-hour reversal is made.<\/p>\n

\u201cBut in Nigeria, the situation is not the same. The CBN is culpable because they prefer to keep mum instead of penalising banks for wrongdoing.<\/p>\n

\u201cI know that only the Central Bank can solve this problem by imposing heavy sanctions, fines on banks found guilty\u201d, he said.<\/p>\n

On his part, an Accounting and Financial Development don at Lead City University, Ibadan, Prof Godwin Oyedokun said the CBN must tighten up its regulatory framework to save Nigerians the agony of failed bank transactions.<\/p>\n

He noted that the apex bank must work to end financial institutions\u2019 lackadaisical attitude toward customers\u2019 complaints.<\/p>\n

\u201cWhen there is a service failure, regulation ensures that it is resolved within a stipulated time frame.<\/p>\n

\u201cWhat we witness in Nigeria is the lackadaisical attitude by most financial institutions; consequently, when there is a failed transaction, you will be frustrated to forget such money with the bank over time because the cost of visiting the bank for the complaints is more than the worth of the failed transaction.<\/p>\n

\u201cFailure of financial institutions to reverse failed transactions could be fraudulent in nature. The issue is alarming for me, coupled with the fuel subsidy removal, hike in fuel pump price, and other challenges facing common Nigerians.<\/p>\n

\u201cThe CBN should continue to monitor the sector and tighten its regulations so that reported cases that are consummated, big sanctions should be meted out on the financial institution concerned. It is not the time to mess up with anybody\u2019s resources\u201d, he said.<\/p>\n

Also, Idakolo Gbolade, Chief Executive Officer of SD & D Capital Management stressed that most banks chose to ignore customers\u2019 complaints of failed transactions because of the amount involved.<\/p>\n

As a way out, Gbolade stated that the apex bank should apply sanctions regarding interest payments to customers.<\/p>\n

\u201cThe effort of the CBN in retrieving these failed transactions is commendable; however, the Central Bank needs to do more in mandating the deposit money banks to fulfil its obligations to their customers.<\/p>\n

\u201cCustomers\u2019 complaints on failed transactions form about 60 per cent of daily reports to the banks, but most times, the banks choose to ignore these complaints and sometimes attend to some of them after the regulatory threshold of resolution as mandated by the CBN.<\/p>\n

\u201cFor example, if about 1000 people have failed a transaction of N100, that amounts to N100,000, which the banks deliberately ignore, or some customers fail to request for reversal due to the amount involved.<\/p>\n

\u201cThe CBN must first mandate banks to work on their systems to immediately reverse failed transactions without the customer\u2019s prompting.<\/p>\n

\u201cThe apex bank should also apply sanctions in the way of interest payments to customers if these complaints are not reversed within the regulatory threshold to serve as a deterrent to banks who will like to recognize the funds as part of operating profit\u201d, he said.<\/p>\n

For More News And Analysis About Nigeria<\/a> Follow Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – Nigeria. The unending complaints of non-reversal of banks\u2019 failed customer transactions have continued to raise serious concerns within Nigeria\u2019s financial sector. Over 60 per cent of complaints from banks\u2019 customers hover around failed transactions. The development is causing pain, frustration and agony for many customers. However, at a sensitization fair in Bauchi last […]<\/p>\n","protected":false},"author":84,"featured_media":92030,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24,14],"tags":[1570,2140,2782,9650,254],"class_list":["post-92031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-news","category-policy","tag-africa-press","tag-africa-press-nigeria-2","tag-banks","tag-customers","tag-nigeria"],"yoast_head":"\nFailed Transactions: Frustration, agony persist for banks\u2019 customers - Nigeria<\/title>\n<meta name=\"description\" content=\"The unending complaints of non-reversal of banks\u2019 failed customer transactions have continued to raise serious concerns ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Failed Transactions: Frustration, agony persist for banks\u2019 customers\" \/>\n<meta property=\"og:description\" content=\"The unending complaints of non-reversal of banks\u2019 failed customer transactions have continued to raise serious concerns ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers\" \/>\n<meta property=\"og:site_name\" content=\"Nigeria\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-11T09:02:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-11T12:22:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.africa-press.net\/nigeria\/sites\/3\/2023\/07\/sm_1689061848.32733.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1372\" \/>\n\t<meta property=\"og:image:height\" content=\"685\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"cfeditoren\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"cfeditoren\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers\"},\"author\":{\"name\":\"cfeditoren\",\"@id\":\"https:\/\/www.africa-press.net\/nigeria\/#\/schema\/person\/068c7ab4e9634ae78ec5d54ec46598bb\"},\"headline\":\"Failed Transactions: Frustration, agony persist for banks\u2019 customers\",\"datePublished\":\"2023-07-11T09:02:02+00:00\",\"dateModified\":\"2023-07-11T12:22:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers\"},\"wordCount\":1296,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.africa-press.net\/nigeria\/sites\/3\/2023\/07\/sm_1689061848.32733.jpg\",\"keywords\":[\"Africa Press\",\"Africa Press-Nigeria\",\"banks\",\"customers\",\"Nigeria\"],\"articleSection\":[\"all news\",\"Policy\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers\",\"url\":\"https:\/\/www.africa-press.net\/nigeria\/policy\/failed-transactions-frustration-agony-persist-for-banks-customers\",\"name\":\"Failed Transactions: Frustration, agony persist for banks\u2019 customers - 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