๐Ÿ”ฌ Preview. Disputes is a product in development by the team behind NGPT & 9jatesters. Everything below shows what we're building โ€” we are not yet accepting cases. Want to be first when we open? support@9jatesters.com

Failed-transaction dispute resolution ยท Nigeria

Debited but not credited? Know where you stand.

Failed transfer, ATM or POS error, double debit, stuck reversal โ€” upload your alerts, receipts and statements. Our AI analyses your dispute for free: how strong your claim is, what evidence is missing, and whether it's worth pursuing. If it is, we take it up with the bank for one flat fee.

Free analysis โ€” no card needed Evidence encrypted end-to-end Verdict in minutes, not months
Sample report

Dispute Analysis

Failed transfer reversal ยท โ‚ฆ486,000

Worth pursuing
0% Claim strength
Success likelihood
High
Bank's response window
14 days (CBN rule)
Recommended channel
Bank + CBN escalation

Evidence review

  • Debit alert & transaction reference โ€” verified
  • Chat with recipient confirming non-receipt
  • Missing: stamped bank statement for the debit date

Illustrative example โ€” your report is generated from your own evidence.

โ‚ฆ0to know where you stand
2 weeksyour bank's CBN deadline before we escalate
1flat fee, quoted upfront
100%of recovered money stays yours

How it works

Three steps. Zero guesswork.

Most people give up after weeks of "reversal in progress" โ€” or fight hopeless claims with the wrong documents through the wrong channel. We fix the order: know first, fight second.

Upload your evidence

Debit alerts, transaction receipts, statements, POS slips, app screenshots, chats with your bank โ€” drag and drop whatever you have. Everything is encrypted and never shared without your consent.

Get your AI analysisFree

In minutes you get a claim-strength score, a checklist of missing evidence, an estimated timeline โ€” and an honest verdict on whether it's worth pursuing at all.

We take it from there

Choose to proceed and our specialists file a complete, properly documented complaint with your bank โ€” and if it isn't resolved within the CBN's two-week window, escalate it to the CBN Consumer Protection Department. One flat fee. No percentage of your recovery.

The free analysis

Clarity costs you nothing.

Every upload gets a full diagnostic โ€” even if we end up telling you not to pursue it. Especially then.

Claim-strength score

A clear 0โ€“100 score built from how your evidence maps to what actually wins similar disputes.

Missing-evidence checklist

Exactly which document, screenshot or record would strengthen your case โ€” and how to get it.

Honest verdict

If your claim is weak, we say so โ€” before you spend a naira. We only take cases we believe in.

Recommended path

Your route through the official process โ€” bank complaint desk first, CBN escalation if the two-week deadline passes.

What we handle

Failed transactions. That's all we do โ€” and why we win.

One specialty: money that left your account and never arrived where it should. Banks, fintechs, POS terminals, ATMs. No land, tenancy or personal disputes โ€” ever.

Failed bank & app transfers

You were debited, the beneficiary was never credited โ€” and the money hasn't come back.

ATM disputes

Cash not dispensed โ€” or partially dispensed โ€” but your account was debited in full.

POS & card payment errors

Declined at the terminal but debited anyway; card payments charged for transactions that never completed.

Double & duplicate debits

Charged twice for one transaction, and the duplicate never reversed on its own.

Failed bill payments & airtime

Debited for electricity, data, airtime or TV โ€” and the value was never delivered.

Stuck & delayed reversals

"Reversal in progress" for weeks or months โ€” promised refunds that never land.

Pricing

One flat fee. Not a percentage. Not a surprise.

Lawyers bill by the hour. Recovery agents take a cut of your money. We charge one transparent flat fee โ€” quoted upfront, only if you choose to proceed.

Step one โ€” everyone

โ‚ฆ0 forever

The full AI analysis of your dispute. No card, no commitment, no sales call.

  • Claim-strength score (0โ€“100)
  • Missing-evidence checklist
  • Honest worth-pursuing verdict
  • Recommended resolution path
Start free analysis

Questions

Fair questions, straight answers.

Yes โ€” completely. You upload your evidence, you get the full report: strength score, missing evidence, verdict and recommended path. No card details, no trial that converts, no obligation to proceed. We only earn if you choose to hire us afterwards.

Our AI reads every alert, receipt, statement and screenshot you provide and checks it against the CBN's own evidence requirements for an escalated complaint โ€” transaction date and reference, amount claimed, supporting documents, and proof you first complained to your bank. It then generates your report, usually within minutes. A human resolution specialist reviews every case before you see your verdict.

Your quote covers everything: professionally drafted documents, filing with the right institution, follow-ups, escalations and progress updates until resolution. It's quoted upfront based on your dispute type, and we never take a percentage of what you recover. And because we only accept cases our analysis rates as worth pursuing, we're never charging you to chase a claim we don't believe in.

CBN rules require you to first lodge the complaint with the bank where the issue happened and give it two weeks to resolve. Only then can you escalate to the CBN Consumer Protection Department. Most complaints die at that first step โ€” filed incompletely, to the wrong desk, with no reference trail. We file it complete and correct the first time, start the clock, and escalate the moment your bank misses its deadline.

No. We're a dispute-resolution service that combines AI analysis with experienced resolution specialists. Most disputes are won through proper documentation, the right escalation channel and persistence โ€” not courtrooms. Where a matter genuinely requires a lawyer, we tell you so in your free analysis and can refer you to licensed partners.

Your files are encrypted in transit and at rest, processed in line with the Nigeria Data Protection Act, and never shared with any third party without your explicit consent. You can request deletion of your data at any time.

Then you've just saved yourself months of stress and money for the price of nothing. Your report will still show exactly why โ€” weak evidence, expired timelines, or costs likely to exceed recovery โ€” and what evidence could change the verdict if you can obtain it.

Start now โ€” it's free

Your evidence already knows the answer. Let it speak.

Upload your alerts, receipts and statements. In minutes you'll know if your claim is worth pursuing โ€” and exactly what it will take to get your money back.

Drag & drop your evidence here

Debit alerts ยท receipts ยท bank statements ยท POS slips ยท screenshots โ€” PDF or images

    Demo only โ€” files never leave your browser and nothing is submitted. The live service will be encrypted end-to-end.