Forum Replies Created
-
Posts
-
UHey, sorry that happened to you. I’m all for returning the money and resolving this matter asap with the person that accidently sent me the money, but I’d like to do it via a chargeback that the sender’s bank initiates.
There’s a lot of incongruencies with her story, starting from the facts she told over the call yesterday.
* She did this once before and the bank didn’t help her and she wants me to speak on her behalf to the bank.
* She can’t speak Hindi well, but she spoke very well in Hindi with me
* She’s from Odissa; told me that 1000 Rs was a huge amount for her, and that she’d go to the bank on Monday when yesterday was not a bank holiday.Maybe I’m nitpicking, and I genuinely want to believe this to be an error in good faith, but I can’t overlook these minor details that make it very likely be a scam. And I’m still keeping in touch with the other person that sent me the money, I haven’t blocked them yet.
As for the money you lost, making a complaint with the bank and filling a complaint form on the NCPI portal should be all that’s necessary to initiate the chargeback, afaik, but then again, I might be wrong since I’ve personally never had to work around this issue, so take the above with a grain of salt.
Maybe someone more knowledgeable than me would be able to answer this question better. I hope you’re able to get your money back, though.
UI use GPay. And she sent the money via PhonePe.
My bank told me nothing besides the name and app used for making the transaction.
I’m gonna let the bank handle this.Yes, it sucks that she is 1000 short and I’m more than happy to return the money, but I’ll let the bank handle it so it’s less of an issue for me incase this is indeed a scam.
UFrom everything I’ve read and also based on the majority of the responses on this thread I’d say without directly involving the bank, that’s perhaps a bad idea! :/UThe problem isn’t paying back. That’s easy to do.
But one scenario that could potentially play out if this is a scam is I send back the funds out of goodwill, and then the scammer goes to their bank and requests a chargeback. In this case, I end up paying 2000 rather than 1000 since the bank will place a lien of 1000 extra rupees on my account. It wont matter if I sent the money before.It sucks that it comes down to this, because if this is a genuine error, then the process of getting the funds back should be easy enough through the bank directly. But if isn’t, then scammers can just as easily abuse the chargeback feature.
UIt’s not exactly a naive question. There could be a bunch of challenges if it’s a scam. I do not want my account to get frozen because of someone else. That is something I’ve come across in a lot of news articles and other posts on reddit as something that is done as part of investigations to innocent accounts and that’s what’s scaring me a bit.I’m ofc more than happy to return the funds and also know that sometimes accidents happen especially given how easy it is to send money via UPI. That being said, I would like to involve the banks since they can also reverse such transfers in principle.
UI actually called my banks helpline. They said they couldn’t do anything about it since it was deposited to my account. I was told the depositor would have to initiate chargeback proceedings from her bank.But from the call I had with her it seems like either her bank’s unwilling to help her or she does not know how to proceed for making such a chargeback request.
She even asked me to speak to the bank on her behalf, something I will not do.
