Dis one na normal thing wey Dey happen now, as long as you Dey use bank for dis country, then you go don get that kin experience before now. If some happen they go refund your money back, but some you go need go bank go complain before they go refund your money back give u. For naija we no Dey develop, because by now all those kin things no suppose Dey happen again, but I Dey sure say banks Dey use that thing chop money too, because some money dey wey dem no Dey refund.