505 Views

Idongesit Umoh: Nigerian Enterpreneur Shares How She Lost N2.1m Through Online Banking

Nigerian entrepreneur and YALI fellow Idongesit Umoh today shared details of how her bank account got debited of N2.1m through some suspicious action on her online banking app.

She shared the story via her personal and business Instagram pages. She also lamented the nonchalant manner in which the bank officials treated her allegations.

She wrote:

I have been deliberating over the last few months if i should post this or not as it relates to my business. I didn’t want a case where when #IdongHarrie is searched on the internet and part of what comes up is information about fraud. However, it is high time i speak about this.
My name is Idongesit Umoh and i am a victim of an online bank fraud. One thing i have learnt over the years is that if i ever fall a victim of anything, i will NOT keep quiet out of fear. I will stand, shout and make my voice heard. I run a micro small business called Idong Harrie. We manufacture and retail handmade footwear and accessories using genuine leather and African fabrics for men, women and children. My business has won several recognition and awards by several multinationals and is playing it’s role in impacting the Nigerian economy and we ensure we also give back to our community.
A few months ago, I got shortlisted by the Mandela Washington Fellowship as one of the 101 outstanding young leaders in Nigeria to undergo a 6 weeks training in United States (all expenses paid). I decided to go to my bank (Diamond bank) to request for PTA for the trip. I had initially wanted to request for $400 but one of the teller guys suggested i do $3000 at once. After consideration, I decided to do just that because i had some transactions to do in China and needed to pay for and also buy some things for my factory while in the US.
I started the PTA process with the bank. On the 7th of June, i transferred N1.5m from one of our business bank account to our business Diamond Bank account for the PTA. The next day being the 8th of June, i wanted to refund a customer who had been debited twice while using our Diamond bank POS during the Lagos Leather Fair exhibition held the weekend before. I typed in my Diamond bank mobile app password and I got an error message saying the credentials you have put in is invalid. I tried it the 2nd time and it said the same thing. Immediately, i called the customer service number explaining to the woman who picked what was going on.

She then told me to re-activate my app. I did just that and the app requested to put my PIN. I typed in my PIN and it said it was invalid. I explained it to the customer service representative who was still on the call with me and she advised that I visited the bank. I told her that it was almost 4pm and couldn’t go but would go the next day since i still had some documents i needed to drop off at the branch so i ended the call.
Less than 5 mins after the call, i got a text message. When i checked, i saw a diamond bank message showing N100,000 transaction. I assumed it was a payment from a customer which i was expecting, i then instructed my workers to start work on the customer’s order because she had paid. A few seconds later, more texts came in and i saw they were from Diamond bank. I saw the texts were debit alerts and the names were strange. I said to myself that if diamond bank wanted to debit the money for the PTA, they won’t do it in trenches. Immediately, i realised that my account was hacked i called the customer service while i rushed to the bank. I got through to customer care and instructed them to block my account. I was at the bank when all the debit alerts of the money withdrawn was buzzing while i was screaming at the customer service lady that my money was gone and to block my account.
Unfortunately, they were too late. My account was cleared of approximately N2.1m within 30mins. Since June, I have been going back and forth with the bank over this issue. In July, they refunded N668,000 and closed the case. I was shocked at how unconcerned they were about my situation and so some of my friends and i went ranting on Twitter. Our tweets reached Mrs Salako and she reached out to me to help. It also reached a lawyer who also reached out to me and decided to help me get things done legally. He wrote to the bank, informing them that he would be representing me and the bank wrote him back informing my lawyer that i should seek the assistance of the appropriate law enforcement agency. They refused to take responsibility and so we had no choice than to sue the bank.

So here i am, barely starting business and already in court fighting with a bank. What i don’t understand is why the bank isn’t thoroughly investigating the issue. I don’t have an ATM card to that account, my cheque book was locked up safe and my token was with me. The monies were transferred to people’s bank accounts. I have all their names on my bank statement. What is then the essence of BVN? Why is my case so difficult to solve? I was at the bank when this incident happened, why wasn’t something done immediately? Till now, i don’t know how this happened to me. I didn’t click on any link like they claimed. I always go to the bank or call customer care if i have any issues. No one knew of the transaction i was making except me and the bank officials handling the process. How can i put money in the bank and the next day it is gone! What upsets me the most is that the bank is NOT at all bothered or sympathetic about my situation. I kept calling and calling until i got tried. Even while i was in the US, I would call the branch manager asking for information about their investigation and got no feedback.
I had a radio interview yesterday 20 October, 2017 concerning this issue with Mrs. Sola Salako on her online radio station. We also talked about one elderly woman’s case with the same Diamond bank. All her pension money of N585,000 was fraudulently withdrawn via mobile banking leaving her with N2.07. The woman uses an analogy phone so how on earth could she have done mobile banking as stated on her bank statement? The next day after this incident, her husband died. Now the woman is mourning the loss of her husband and her money and yet since March, the bank still hasn’t refunded her money. How heartless is that???

This incident has left me depressed, unmotivated and penniless. I go to bed crying and i wake up with a pounding headache of where and who i will borrow money from to pay off debts and keep the business afloat. I have my goods in China since June, no money to pay the balance and have them shipped down to me. I have a loan repayment which i pay back every month. I make sales or not, i must pay the loan. For the first time since i started business, i owed my staff their salaries. I task my brain daily on how to raise money. I thank God for the values i have and that as a beautiful single lady, there are things i will NEVER subject myself to. I smile on the outside but dying inside and only those close to me are aware of the pain. How do i survive all this??? Just about 3 weeks ago, i decided to wake up from my depression. I got myself back after the consistent advice and encouragement from my dear friends and few customers that were aware. I recalled I was at a forum held by EDC years back and Mrs Tope of Sixth Sense was on the panel. She told the story of how when her store burnt down and she had to start all over again. I decided to read ‘The Girl Entrepreneur’ by Mrs. Ibukun Awosika again to motivate myself. Reading about how most of the women we look up to today went through challenges in their businesses. How Mrs Ibukun fought when policies changed which affected her business but still rose ahead, how Mrs Tara felt seeing imitation of her products in China, her sweat of many years but is still going on, then who am i not to rise up from my depression and keep going on!
Even though i do not know where the next money will come from to pay salaries and other expenses to run my business and personal life, I know that i have a God and He is my Jehovah El-Shaddai. He is the one who fights my battles and delivers me from the claws of devil. After all, He is GOD!
My dear friends, please be very alert. I still don’t know what i did wrong to make this happen but just be cautious. There are a few tips on how to secure your accounts on this website www.cafon.org.ng please read them and share.

I thank you my friends who have stood by me, loaned me money, encouraged me, allowed me cry on your shoulders, wiped my tears and the mucus away from my noise. My God!!!!! I am so blessed to have friends like you all. My customers who constantly support me, thank you, thank you and thank you. I am sure you all who aren’t aware will be shocked to read this because the business still went on. We pretended like nothing happened. To my workers…you guys are my strength, my backbone. I pray this cup passes away from us and fast. We have many more years to build the leather industry in Nigeria.
I pray this or any other type of suffering doesn’t happen to you and your businesses in Jesus name. Amen.
Please if you have or know any means of helping, i am one out of many who has been affected by these fraudsters and the banks and policies in place do not help the victims. Honest people work and yet they come and eat where they haven’t sown. Spending our sweat on meaningless and wasteful items. I alone can’t do this. Somehow, these policies put in place need to be re-evaluated and to suit the victims. The banks are insured from things like this and i guess that’s probably why they dont care. The fruadters are not brought to book and so we the victims is left to bear the burden alone.#HelpIdongFightAgainstOppressingBank#JusticeAgainstDiamondBank#JusticeAgainstOnlineFraud#DiamondBank#OnlineScam#DiamondBankMobileApp
#HelpIdongHarrie#StopRuiningSmallBusinesses#SaveSmallBusinessesInNigeria

Get the best viral stories straight into your inbox!

Don't worry, we don't spam

Leave a Comment

Your email address will not be published.

Latest Posts

#BBNaija: Emotional Cee-C Finally Apologizes to Tobi After Raining Insults On Him Yesterday (Videos)
Entertainment
57 views
Entertainment
57 views

#BBNaija: Emotional Cee-C Finally Apologizes to Tobi After Raining Insults On Him Yesterday (Videos)

MT - April 19, 2018

  Social media went abuzz yesterday when Big Brother Naija housemate, Cee-C went haywire and poured abusive words on fellow housemate, Tobi. Many Nigerians who became really…

P-Square’s Paul Okoye Seen Drinking Garri in His Lagos Mansion (Photos)
Entertainment
51 views
Entertainment
51 views

P-Square’s Paul Okoye Seen Drinking Garri in His Lagos Mansion (Photos)

MT - April 19, 2018

Multi award-winning Nigerian singer, Paul Okoye popularly known as Rude Boy of the defunct P-Square has taken to his Instagram page to share an unbelievable photo of…

Popular Comedian, Arole Reveals How He Nearly Died At An Event With Reekado Banks
Best of Nigeria
51 views
Best of Nigeria
51 views

Popular Comedian, Arole Reveals How He Nearly Died At An Event With Reekado Banks

MT - April 19, 2018

Woli Arole, one of the Nigerian comedians causing some serious buzz on social media, has stunned his fans with a story about his life. The comedian took…

7 Things You Probably Didn’t Know About Afropop Singer, Simi As She Turns 30
Best of Nigeria
39 views
Best of Nigeria
39 views

7 Things You Probably Didn’t Know About Afropop Singer, Simi As She Turns 30

MT - April 19, 2018

Simisola Bolatito Ogunleye simply known as Simi is one of the top female musicians in Nigeria. Simi warmed her way into the hearts of Nigerians with her soulful renditions…

9 Times Cee C Has Shown She is the Most Controversial BBNaija 2018 Housemate
Best of Nigeria
40 views
Best of Nigeria
40 views

9 Times Cee C Has Shown She is the Most Controversial BBNaija 2018 Housemate

MT - April 19, 2018

There is no doubt that BB Naija 2018housemate is trending right now and has always trended for being controversial.   She has said, acted, and behaved in…

BBNaija’s Lolu And Anto Hang Out With Singer Tekno
Best of Nigeria
46 views
Best of Nigeria
46 views

BBNaija’s Lolu And Anto Hang Out With Singer Tekno

MT - April 19, 2018

Former Big Brother Naija ,Housemate Lolu And Anto meets with Tekno. The former big brother naija who are currently on tour meets with Tekno at Naija fm…

Read Prophet Olagoroye Faleyimu’s Prophesies On Funke Akindele: ‘Marry A Gateman To Have Child’
Best of Nigeria
50 views
Best of Nigeria
50 views

Read Prophet Olagoroye Faleyimu’s Prophesies On Funke Akindele: ‘Marry A Gateman To Have Child’

MT - April 19, 2018

Popular Lagos-based prophet Olagoroye Faleyimu in a recent chat with Yoruba Movie Magazine has once again urged Funke Akindele to go for prayers if she ever wants…

Jayne Senior: Child Abuse Informer Invited To Nigeria
World Buzz
46 views
World Buzz
46 views

Jayne Senior: Child Abuse Informer Invited To Nigeria

PH - April 19, 2018

Rotherham child abuse whistleblower Jayne Senior is to lead a delegation to Nigeria offering advice on how to tackle child sexual exploitation (CSE). She will travel to…

5 Quotes that Show President Buhari is Bad at Diplomacy
Best of Nigeria
55 views
Best of Nigeria
55 views

5 Quotes that Show President Buhari is Bad at Diplomacy

MT - April 19, 2018

Nigeria’s President Muhammadu Buhari has again courted controversy with his statements at the ongoing Commonwealth Heads of Government Meeting in the United Kingdom. A recent comment belittling Nigeria’s young people has…

In Photos: Nigerian Commonwealth Games Athletes All Smiles As They Arrive From Australia
Best of Nigeria
51 views
Best of Nigeria
51 views

In Photos: Nigerian Commonwealth Games Athletes All Smiles As They Arrive From Australia

MT - April 19, 2018

Excitedly, team Nigeria arrived earlier today by 3:10pm via Emirate Airline from the just concluded 21st Commonwealth games which took place Gold Coast, Australia. While briefing newsmen,…

How Stolen Mace Was Recovered By Police After National Assembly Invasion
Best of Nigeria
46 views
Best of Nigeria
46 views

How Stolen Mace Was Recovered By Police After National Assembly Invasion

MT - April 19, 2018

The Nigerian police have announced the recovery of the senate’s stolen mace at a flyover before the Abuja city gate.Aremu Adeniran, deputy force public relations officer force…

‘A Nigerian Dies of Stroke Every 2 Minutes’ – Meet Nigeria’s First Female Neurologist
Best of Nigeria
52 views
Best of Nigeria
52 views

‘A Nigerian Dies of Stroke Every 2 Minutes’ – Meet Nigeria’s First Female Neurologist

MT - April 19, 2018

Nigeria’s first female Neurologist and first female Professor of Neurology, Njideka Okubadejo, has raised the alarm about the prevalence of neurological disorders in Nigerian, revealing that every…

Adekunle Gold’s Sweet Birthday Message To Simi Has Got People Talking
Entertainment
49 views
Entertainment
49 views

Adekunle Gold’s Sweet Birthday Message To Simi Has Got People Talking

PH - April 19, 2018

Today is singer Simi’s birthday and Adekunle Gold’s message to her has got us all mushy. The duo have been rumoured to be dating and this may…

Watch Video of President Buhari Speaking about Nigerian Youths, Security and Economic Situation
Politics
54 views
Politics
54 views

Watch Video of President Buhari Speaking about Nigerian Youths, Security and Economic Situation

PH - April 19, 2018

President Muhammadu Buhari, while speaking at the Commonwealth Business Forum on Wednesday, said the Nigerian youth wants to sit and do nothing. His comments have so far…

Read Fayose’s Reaction to President Buhari’ Comment About ‘Nigerian Youths Don’t Like to Work’
Politics
54 views
Politics
54 views

Read Fayose’s Reaction to President Buhari’ Comment About ‘Nigerian Youths Don’t Like to Work’

MT - April 19, 2018

Ekiti state governor, Ayo Fayose, has reacted to the statement made by President Buhari that many Nigerian youths just want to sit down and do nothing, believing…

Meet Aisha Bakari Gombi, Boko Haram Huntress And Nightmare [Photos]
Best of Nigeria
57 views
Best of Nigeria
57 views

Meet Aisha Bakari Gombi, Boko Haram Huntress And Nightmare [Photos]

MT - April 19, 2018

Aisha Bakari Gombi who reached real-life superhero status for her battlefield bravery in her fight against Boko Haram. Since the dawn of humanity, hunters have roamed the…

Nigerian Singer, Wande Coal, Releases Statement On Alleged Child Abduction
Entertainment
60 views
Entertainment
60 views

Nigerian Singer, Wande Coal, Releases Statement On Alleged Child Abduction

PH - April 19, 2018

Singer Wande Coal had earlier this week been involved in some drama. A woman named Temitope came forward to say their son of 10 years was abducted…

LISTEN: MC Galaxy Releases “BBNaija Version” Of Song “Fine Girl”
Entertainment
60 views
Entertainment
60 views

LISTEN: MC Galaxy Releases “BBNaija Version” Of Song “Fine Girl”

PH - April 19, 2018

Just earlier in the month MC Galaxy released a song celebrating beautiful women, titled “Fine Girl.” He today announced a BBNaija version of the song, celebrating all…

Loading...