Facts:

Mrs. Amarachi Kenneth Blessing, the Respondent in this case and the Plaintiff at the trial court, is a customer of Kuda Microfinance Bank Limited, the Defendant at the trial court and the Appellant in this appeal. The Respondent sought to withdraw money from her account, only to discover that the Appellant had placed a restriction on it. The Appellant argued that it had received a notification from Access Bank Plc, in line with CBN Regulations, stating that the Respondent had been erroneously credited with the sum of N5,000,000.00 into her account with the Appellant.

Aggrieved by the restriction placed on her account, the Respondent filed an action by way of originating motion before the Federal High Court in Ado Ekiti claiming among other things that the Appellant had infringed on her constitutional right to own property. The trial court ruled in favor of the Respondent. Dissatisfied with the judgment, the Appellant appealed to the Court of Appeal.