In a country where trust in financial institutions is already hanging by a thread, what happens when a respected bank — one that’s supposed to be safeguarding your data — allegedly uses your mother’s National Identity Number to approve a loan… without her knowledge?
“If GTBank can do this to my mother, then trust me — they’re doing it to millions of Nigerians. They’re just lucky those ones haven’t discovered it yet.”
Martins Vincent Otse, better known as VeryDarkMan — an online activist, social commentator, and voice of the streets — is speaking out loud and clear. His latest outcry isn’t about celebrity drama or corrupt politicians. This time, it hits home — deeply personal, yet tragically familiar to countless Nigerians.
“You say my mother used her NIN to collect a loan. Which account did you credit? Where is the account statement? Where is the application form? Did you see her signature? Did she walk into your bank or apply online? How did this happen?”
Let’s rewind. VeryDarkMan recently revealed that GTBank — a major Nigerian financial institution — claimed someone used his mother’s National Identification Number (NIN) to secure a loan. A loan she never applied for. A loan she never received. And yet… it exists on paper. Her name, her national ID… but not her consent.
This isn’t a fictional movie. It’s not a hypothetical. It’s the grim reality of how fragile customer security can be in the hands of a broken system — where technology, identity, and poor oversight meet in dangerous ways.
“My mother doesn’t even know how to apply for loans. She doesn’t know how to use a banking app! You’re telling me someone just used her NIN and your system approved it? That’s not fraud — that’s institutional negligence.”
You see, this is bigger than just one case. If a person’s identity can be hijacked so easily to secure financial obligations, then the entire system is compromised. What is the value of a National Identity Number if it can be used by faceless scammers or even insiders within a bank?
Nigerians have long endured harsh banking experiences — failed transactions, network downtime, unauthorized debits. But this… this cuts deeper. Because now, it’s not just about access — it’s about identity theft in plain sight, potentially sanctioned by the institutions we’re supposed to trust.
“This is how people’s mothers are dragged to court over loans they didn’t collect. This is how they begin chasing innocent people for debt. Imagine if my mother was dead — who would fight this? Who would challenge it?”
And that is perhaps the most chilling part of this story. How many people have been affected, but don’t have a son like VeryDarkMan with a platform large enough to raise hell? How many are quietly repaying loans they never asked for — out of fear, confusion, or ignorance?
In a country where identity theft is barely addressed, and where fintech and banks rush to approve loans with little verification, the door is wide open for abuse. Who holds them accountable? Who checks that the system works?
“GTBank, you need to explain to me how this loan was approved. Which device was used? Which account was funded? You can’t tell me ‘someone used her NIN’ — it’s not enough! Where is your customer protection?”
This isn’t just a complaint. It’s a call to action. A wake-up alarm for regulatory agencies like the Central Bank of Nigeria (CBN), the Nigerian Identity Management Commission (NIMC), and even anti-fraud units. Because if identity can be so easily weaponized, it’s not just VeryDarkMan’s mother at risk — it’s every Nigerian.
The National Identity Number — originally introduced to verify and protect citizens — is now becoming a tool used by fraudsters, and perhaps even internal bad actors, to exploit the vulnerable. When banks fail to verify beyond the NIN, they fail us all.
“You owe Nigerians an explanation. I’m not letting this go. GTBank, I want accountability. Not just for my mother, but for the many mothers, fathers, students, and old people you may have done this to. This is not just a fight — this is a movement.”
This may be one story, but it echoes a million voices. As digital banking and fintech boom across Nigeria, security must evolve with it. It is no longer acceptable for “system error” or “we’re investigating” to be the default response when identity is compromised.
VeryDarkMan’s cry is raw, it’s real, and it’s resonating. If this could happen to his mother — in broad daylight, without a trace of accountability — then it’s not just a personal fight. It’s a national emergency.
“Have you or your loved ones ever had unauthorized loans linked to your NIN? Speak out. Contact consumer protection. Let your voice be heard.”
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