Bank sued for alleged fraudulent money transfer

Ghana-CediA customer of Guaranty Trust Bank has sued the bank at the High Court (Commercial Division) for an alleged fraudulent transfer of GH¢115,000.00 from his accounts with the Techiman branch.

The customer, Solomon Baah, who operated savings accounts with the bank, was allegedly defrauded through mobile banking platform, though he had not signed on, requested or registered for any such banking platform of the bank.

He said he received an SMS alert from MTN that his request for SIM card change for 0247899128 had been logged successfully.

Baah said he lost reception/services on his MTN number 0247899128, making it impossible for him to access anything on the aforesaid number.

However, a few minutes after the loss of reception on his MTN number, he received an e-mail alert on his Vodafone number indicating debits of transaction on his bank account number 5511011301690.

In a statement of claim, Baah is demanding special damages of GH¢500,000 from the bank.

According to the statement of claim, he had operated a savings accounts with the bank at its Techiman branch for quite some time now.

On August 26, 2016, it said, Baah received the aforementioned SMS alert from the MTN and the subsequent e-mail alert on his Vodafone number.

The statement of claim said the victim immediately contacted the Techiman branch and was informed that “the system was an automated mobile banking and there was nothing they could do about it, unless same was rectified by the head office in Accra.”

It said Baah contacted the head office to block the unlawful and illegal transfer on his branch accounts.

The statement said before the head office could block the accounts, 23 e-mails, each detailing a debit transaction of GH¢5,000, totaling GH¢115,000 were received on Baah’s Vodafone number.

It indicated, upon receipts of his statement of accounts from the bank, the customer found out that the debits had been made on his accounts and all efforts to impress upon the bank to reverse the said transactions have proved futile.

But the bank, in a statement of defence,  averred that the customer was not entitled to the claims endorsed on the writ of summons and statement of claim as same are without merit and prayed the court to dismiss the case.

From Kingsley E. Hope, Kumasi

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