Zenith bank replies customer who complained N4 million vanished from her account


Zenith Bank Plc has said it is only able to recover a sum of N800,500 to Chiamaka Agim, the Lagos State resident whose N4.039 million mysteriously vanished from her account with the bank on Monday.

Zenith Bank Plc has issued a statement after a female customer identified as Chiamaka Agim said she lost ₦4.039 million from her account.

Reports earlier gathered that Chiamaka Agim, a Lagos resident, had gone to the bank questioning the unapproved debit alerts she got from her account without her consent on January 9.

Out of the debited sum, N3.937 million went to an Access bank account while the remaining N102,000 was transferred to a UBA account.

To reclaim her money, Agim had reported the mysterious deduction at two different branches of Zenith bank the following day.

Chiamaka Agim


Agim said she received the call hours after she went to the Zenith Bank branch at Alagomeji to follow up on the complaint she lodged regarding the incident.

“The branch manager at Alagomeji said the bank was working on it and I would hear from them soon,” she said. 

“Then the bank called me in the evening, saying I should check my email.”

Responding to the claims, a letter signed by Anyar Ikwor, Internal Control Unit, Zenith Bank noted that Agim can only recover a sum of N800,500 out of the missing amount.

N3.71 million was sent to one Isah on Monday, 9, January 2022 at 8.28 pm, the same account received another N222,900 and three minutes later Abdulraham Sani received N102,000 15 minutes late at 8.48 pm.

It was further reported that Ayim was called around Tuesday, 10 January 2023 by 6 pm, by a bank official who notified her during the phone conversation that the transaction was done through her e-token which meant that she must have handed out the token pin.

Part of the Zenith bank document sent via email
Part of the Zenith bank document sent via email

Agim said she had never requested an e-token from the bank.

“He made me look as if I did not know what I was saying because he insisted that I have a token. Perhaps they gave it to someone who is using it on my account,” she said.

“Then he said they were only able to salvage N800,500 from Access Bank. What I picked from the conversation was that I would only get this amount.

“He also said UBA told them that their customer does not depict a fraudster. I wondered how they were able to arrive at that conclusion.

“How can the bank make such a statement while I am in pain due to debits that I never consented to? So, how does a fraudster look?”

“How can they give me N800,500 out of over N4 million? I am not going to let it go like that because it’s a huge amount of money,” she said.

In the document made available to newsmen, Zenith Bank informed Agim that the financial institution was not liable for the incident since her e-Token and four-digit secret PIN details were used to enroll on the Mobile Banking App on a device.

The bank also added that the same device was subsequently used to carry out the transactions.

When contacted on Wednesday for comments, Unah Romie, a Zenith Bank official, said: “Please be advised that we cannot provide details of the complaint to a third party as you are not the account holder.”

Romie also said any communication regarding the complaint would be directed to Agim who made the complaint.

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