Bamidele Moses, a Lagos-based entrepreneur, has narrated how Access Bank, a Nigerian commercial bank, removed N87,039 from his bank account on November 21, 2025, for an online transaction he did not make.
Speaking with FIJ on Monday, Moses said that he was initially debited twice. He stated that the first transaction occurred on November 21, 2025, when he was debited N87,039, and the second transaction took place on the next day, when he was debited N27,900.
According to Moses, after seeing the initial N87,039 debit alert, he attempted to transfer the remaining N28,000 in his account to another bank account, but the transaction failed. “I quickly wanted to transfer the remaining funds to another account, but I couldn’t transfer them,” he said.
He was eventually debited N27,900 on November 22, 2025. That same day, he sent an email to Access Bank about both transactions.
In their response, Access Bank acknowledged the unauthorised debits of N87,039 and N27,900 from Moses’ account. The bank promised to refund him afterwards and noted that a complaint had been logged on his behalf.
Additionally, the bank confirmed that the N87,039 debit was unauthorised, and for an online transaction using his debit card details. However, Moses said that he did not make any online transaction on that date.
He subsequently asked the bank to provide details of the transaction, including the name of the organisation that received the funds, but he got no response.
“I wrote back to them via mail that they should send me the details of the company I did transactions with. They never replied to the mail to this moment,” he said.
NOT THE FIRST TIME
Moses told FIJ that it wasn’t the first time his bank account had been debited for transactions he did not make.
“It happened last year also. That one was N17,000 plus. That night, I received a series of OTPs, and before I knew what was happening, I was debited,” he said. “I sent several mails, but it was not reversed,” he added.
ACCESS BANK’S RESPONSE
On Tuesday, FIJ emailed Access Bank. FIJ also sent messages to Access Bank on WhatsApp and X.
The bank responded to FIJ’s messages on X.
“Kindly provide account number and inform account holder to reach out to us for further assistance. Please be assured we will keep your personal information strictly confidential and use it only to improve our service to you,” the bank’s response reads in part.