Having a bank issue is inevitable, it is an everyday occurrence in amongst customers of a particular bank. Good morning and welcome to my page. Today I would be showing you 3 common bank problems and Ways you can use to solve them.
It is important to note that I am writing out of a banker’s perspective, because I am a banker by profession. Sometimes it marvel’s me to know that lots of people still experience down minor issues in their account. This issues could range from incomplete documentation, wrong Date of birth on BVN or not receiving bank alert on their phone.
During my days in Diamond bank, I have seen customers coming all the way from other states to my branch in Lagos, just because they opened the account in Lagos. This is wrong. It is important to know that what ever issues you have can be solved in any branch of the bank you found yourself.
I believe this article would be of great benefits to those, who have numerous account issues, and they cannot visit the main branch where the account was actually opened. A customer service representative would always tell you to visit the branch where you opened the account, but the truth is only those who do not know their right in the bank would fall for that.
It is the duty of the Customer service representative in the bank to serve you to your satisfaction, anytime you are being told to visit your branch, tell the customer service representative to send a mail to the customer service representative of that your branch in your behalf, from their your issues would be solved .
To avoid all these issues I see it necessary to share with you 5 common issues you can solve in the bank without going to your branch.
1. Your Account is PND (Post No Debit)
post no debit issues means that your account can receive payment but you cannot withdraw from the account. Most times this issues arise from incomplete documentation. It could be that your your account doesn’t have a valid means of identification, or a utility bill. Or sometimes this type of issues arise when you use your account for fraudulent activities.
To solve this type of issues without heading to the branch where you opened the account, it’s either you visit the nearest branch with the documents, they would assist you by scanning the documents to your branch, then your branch would include it to your account. In 2 working days your account should be fine.
2. Not receiving a transaction alert (credit or debit).
This is the most common issues faced by Nigerian bank customers. Most times this issues might not be the fault of the bank, it could be the fault of the telecommunications network used by the customer.
Nevertheless, if you encounter this type of issues, instead of going to the bank, you can call the customer service representative number via your mobile phones (You can get this numbers from the internet).
Before placing the call, make sure your account details, like account number, address on the account, last three transactions on the account, branch of the account are known by you. Because the online customer care executive would ask to verify if you are the actual owner of the account.
To also avoid this type of issues happening, try and include your email address in your account, you can as well get transaction notifications on your email address. It is very easy and free to open an email address if you don’t have any.
3. If you make a transfer and you were debited but the beneficiary did not get the alert.
Do not rush to your main branch, if you made a transfer to another bank and you were debited, but the beneficiary did not get the value of the transfer. You can solve this issue in any branch of the bank that is next to you.
Once you get to the branch tell them your issue, but note down the time of transaction and the day. You would be giving a form to fill, the refund is usually 3-5 working days. You can also solve this type of issue by calling the online customer service.
The only issue that should take you to your branch should be a BVN thumb print. Other issues can be solved in any branch of the bank that is close to you. Remember the bank is there to serve you, don’t be afraid of the suit the banker’s wear.