Emmanuel Makuochi

Advaita Vendanta☯️ {All is one but different}.
Practice, Carpe Diem while you Amor Fati in order to achieve Varna♈️☯️🌊 🇳🇬 Trump nd putin supporter💙

[Emmanuel Makuochi @Kuvalion]

@OPay_NG @parallexbankng I sent ₦5,400 on Jul 30 2026. OPay debited me & confirmed disbursement. 14+ days, money not credited by Parallex/portal. Please help resolve. Session: 100004xxxxxx @cenbank @fccpcnigeria

[Rs @ertcn8]

وضعي مع قطوي نفس كل يوم

[Emmanuel Makuochi @Kuvalion]

@cenbank @EthosReviews please intervene. This clearly and publicly violates CBN Consumer Protection Regulations. @fccpcnigeria

#OPay #CBN

[Emmanuel Makuochi @Kuvalion]

Emmanuel Makuochi
@Kuvalion
35 DAYS and counting
@OPay_NG

My ₦5,400 is stuck. I was told to "wait 24-48hrs". That deadline expired yesterday.
If this is how Nigeria’s "leading fintech" treats customers, then no
@OPay_NG
user is safe.

[Emmanuel Makuochi @Kuvalion]

Emmanuel Makuochi
@Kuvalion
35 DAYS and counting
@OPay_NG

My ₦5,400 is stuck. I was told to "wait 24-48hrs". That deadline expired yesterday.
If this is how Nigeria’s "leading fintech" treats customers, then no
@OPay_NG
user is safe.

[OPay @OPay_NG]

@Kuvalion @cenbank Hello @Kuvalion.
Thank you for contacting OPay!
I apologize for any inconvenience experienced.
Please be informed that we have already responded to this via DM. Kindly check your DM.
D.T

[Emmanuel Makuochi @Kuvalion]

35 DAYS and counting @OPay_NG

My ₦5,400 is stuck. I was told to "wait 24-48hrs". That deadline expired yesterday.
If this is how Nigeria’s "leading fintech" treats customers, then no @OPay_NG user is safe.

[OPay @OPay_NG]

@Kuvalion Hello @Kuvalion.
Thank you for contacting OPay!
I apologize for any inconvenience experienced.
Please be informed that we have already responded to this via DM. Kindly check your DM.
D.T

[Emmanuel Makuochi @Kuvalion]

@davido Prodigal son, no get mouth for talk

[Emmanuel Makuochi @Kuvalion]

All you sent me is an automated response asking me to wait for another 24-48 hours @EthosReviews

[OPay @OPay_NG]

@Kuvalion Hello @Kuvalion.
Thank you for contacting OPay!
I apologize for any inconvenience experienced.
Please be informed that we have already responded to this via DM. Kindly check your DM.
D.T

[Emmanuel Makuochi @Kuvalion]

This is exactly what everyone expects from, a working system not an automated response for 35days

[Ethos Reviews @EthosReviews]

@OPay_NG @parallexbankng, 32 days is long enough. CBN's framework contemplates resolution of instant EFT disputes within 3 working days. @Kuvalion is still waiting. Don't send another automated apology. Account for the ₦5,400. Show where it went, why it wasn't credited and when it will be returned.

@ARISEtv @MobilePunch @cenbank

[Emmanuel Makuochi @Kuvalion]

My everyday question

[Ethos Reviews @EthosReviews]

@OPay_NG @parallexbankng, the customer has done his part. He supplied the transaction details. Your systems have the records. Your institutions have the infrastructure. So why is @Kuvalion still waiting 32 days later? @cenbank, this deserves regulatory attention.

@ARISEtv @MobilePunch

[Emmanuel Makuochi @Kuvalion]

Sir @EthosReviews 5400 is not small ooo, if I get caught stealing 1000, a passerby will willingly buy 2Liters of fuel or hang tire on my neck to burn me for stealing or even go to jail for shoplifting or robbery, that 5400, is like 5.4m right now @cenbank please intervene

[Ethos Reviews @EthosReviews]

₦5,400 may be small to @OPay_NG and @parallexbankng. It isn't small to @Kuvalion . More importantly, @cenbank should be concerned about what happens when thousands of “small” unresolved transactions accumulate across the payment system.

@MobilePunch @vanguardngrnews

[Emmanuel Makuochi @Kuvalion]

Exactly, tell me where the funds is, if I should reach out to supposed receiver with a message that the funds cannot be recovered, tell me something useful or refund me
@OPay_NG @parallexbankng @cenbank @EthosReviews

[Ethos Reviews @EthosReviews]

@OPay_NG @parallexbankng, if you disagree over where this transaction failed, resolve that disagreement between yourselves. @Kuvalion should not become the casualty of an inter-institutional reconciliation problem. His ₦5,400 needs to be accounted for.

@ARISEtv @instablog9ja

[Emmanuel Makuochi @Kuvalion]

This was @parallexbankng response to this investigation, currently @OPay_NG is the one holding my funds, but what I keep getting is an automated response from @OPay_NG

[Ethos Reviews @EthosReviews]

@OPay_NG, saying “we have responded via DM” does not answer the question. @Kuvalion wants his ₦5,400 accounted for. Show the settlement trail, explain the failure and resolve it. Communication is not the same thing as resolution. @Parallexbankng, your silence compounds the existing service failure.

@cenbank @AIT_Online

[Emmanuel Makuochi @Kuvalion]

@cenbank please act on this

[Ethos Reviews @EthosReviews]

@cenbank, what is the regulatory value of a three-working-day dispute-resolution framework if a transaction can remain unresolved for 32 days while the customer receives automated assurances? @OPay_NG @parallexbankng, this one needs an answer.

@Kuvalion @channelstv

[Ethos Reviews @EthosReviews]

@OPay_NG @parallexbankng, 32 days to reconcile ₦5,400 is not customer service. It is institutional failure. You have the transaction records. The customer doesn't. Stop asking @Kuvalion to wait and account for the money. @ARISEtv

[Emmanuel Makuochi @Kuvalion]

@OPay_NG simply don’t care about the customers complaints and @cenbank can simply do nothing about it, this violates CBN Consumer Protection guidelines, and @cenbank is not doing anything about it

[Ethos Reviews @EthosReviews]

@OPay_NG, your own transaction record says “Successful” and “Received by bank.” So where did the ₦5,400 go? Credited? Rejected? Suspended? Reversed? Produce the transaction trail. A customer cannot be left guessing for 32 days. @Kuvalion

[Emmanuel Makuochi @Kuvalion]

Exactly… if they can’t track and resolve this issue, how can we trust @cenbank and it’s regulations, the office seems not to functional, everything is there on/in your system, this is a result of poor/bad governance.

[Ethos Reviews @EthosReviews]

@OPay_NG @parallexbankng, CBN's instant EFT framework provides for disputes to be resolved within 3 working days. @Kuvalion's case is now beyond 30 days. Your automated “please wait” responses are no longer acceptable. Where is the ₦5,400?
@cenbank

[Emmanuel Makuochi @Kuvalion]

"I know the main purpose of @OPay_NG is for me to get exhausted and walk away.. @CPCNGR @OPay_NG @cenbank

This violates CBN consumer protection guidelines.

this will never happen in Biafra land... Nigeria and it’s financial system is a failed nation"

[Ethos Reviews @EthosReviews]

@OPay_NG @parallexbankng , this has now gone far beyond a delayed customer-service complaint.

@Kuvalion says he initiated a ₦5,400 transfer on 30 July. The transaction record displayed by OPay says “Successful,” “Processing by bank” and “Received by bank.” The customer says the receiving account was nevertheless not credited, and more than 30 days later there is still no resolution.

That is an extraordinary reconciliation failure. The @cenbank's Regulation on Instant Inter-Bank Electronic Funds Transfer Services provides that instant EFT disputes should be resolved within three working days. Where the sending and receiving entities cannot agree, the framework provides for escalation to the CBN within five working days in order to minimise customer pain.

We are now talking about over a month, not three working days. So what exactly has been happening to this transaction?

OPay's own record appears to say the money reached the receiving bank. If @parallexbankng received it, where did it go? Was the beneficiary account credited? Was it rejected? Was it held in suspense? Was it returned? Was there a settlement mismatch? Was a reversal initiated? Has the receiving institution produced a ledger confirmation? Has OPay obtained a settlement response from the receiving institution?

These are not complicated philosophical questions. They are basic payment reconciliation questions. And this is where the repeated “we have responded via DM” becomes particularly inadequate. A DM saying a complaint is receiving attention is not reconciliation. An automated apology is not reconciliation. Telling a customer to keep waiting is not reconciliation. The institutions involved have access to transaction records, settlement records and internal payment infrastructure that the customer does not.

The customer should not have to spend 32 days repeatedly proving that ₦5,400 has not arrived while two regulated financial institutions presumably have the technical records necessary to establish exactly what happened to it.

@cenbank, this is precisely the kind of case where regulatory oversight should move beyond acknowledging that a complaint exists. If the transaction genuinely settled successfully, show where the funds landed. If it did not settle successfully, reverse the funds.
If the receiving bank rejected it, show the rejection and the return trail. If there is a reconciliation exception, resolve it.

And if @OPay_NG and @parallexbankng disagree about where responsibility lies, that is an issue between the institutions. It should not become a reason for the customer to remain indefinitely out of pocket.

@cenbank itself recognises the importance of prompt resolution of electronic-payment failures and has established specific timelines around disputed electronic transactions.

There is also a bigger institutional problem here. @OPay_NG has repeatedly told @Kuvalion that it has responded via DM. Yet the customer's screenshots show that what he received was essentially another assurance that the matter was being handled and that he should continue waiting. He has now publicly stated that the responses are automated and that there has been no actual resolution.

A complaint reference is not a resolution. An acknowledgement is not a resolution. A promise to investigate is not a resolution. At some point, the financial institution has to account for the money.

@officialpccng @fccpcnigeria @NigeriaGov @TundeIrukera @onyekaubani, this deserves attention not because ₦5,400 is a large amount, but precisely because it isn't. A financial system cannot function on the assumption that small-value disputes are harmless because customers will eventually become exhausted and walk away.

[Emmanuel Makuochi @Kuvalion]

This is the bank that I have the worst experience out of every bank here in Nigeria, the worst
@cenbank @EthosReviews #consumerprotection

[OPay @OPay_NG]

We made the facts clear today. OPay is here, operating and going nowhere. 💚

Listen in as our COO/CTO, Adedotun Daniel, clears the air on recent rumours about OPay during our just-concluded Town Hall & Press Conference.

Stay tuned for more highlights from the conversation.

#OPayIsOkay

[Emmanuel Makuochi @Kuvalion]

@OPay_NG @cenbank This is the same automated response I keep getting, how is this assisting? @OPay_NG you people are just licensed thieves, this is not acceptable @cenbank please intervene @EthosReviews #consumerprotection

[Emmanuel Makuochi @Kuvalion]

31 DAYS and my transaction with @OPay_NG and @parallexbankng is still unresolved.
This is how licensed banks treat valued customers? By ignoring us until we give up?
We deserve better. We need a better financial system in Nigeria.
@cenbank please intervene. @EthosReviews

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[Emmanuel Makuochi @Kuvalion]

@theyhateoc Yes, herbally, I use to know someone that has same reactions and I know the person that cured her