Scammed of ₦200,000 Through a Friend’s Impersonated WhatsApp Account: What Should I Do?

A person impersonating my close friend on WhatsApp persuaded me to send money to an OPay account. Because I believed I was speaking with my friend, I transferred a total of ₦200,000 from my PalmPay account. I became suspicious when the person requested another transfer and avoided confirming their identity. I then realised that my friend’s WhatsApp account may have been compromised or impersonated. I reported the transaction to OPay, but I was directed to PalmPay as the sending institution. PalmPay has requested a police report or court order before proceeding, and I am currently obtaining the police report. I have the transfer receipt, WhatsApp chats and other relevant evidence. Please share practical advice if you have recovered money from a similar scam. After submitting a police report, how long can recovery take? Should I also report the case to the EFCC or the Nigeria Police Force National Cybercrime Centre?

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