- April 24, 2024
- Posted by: legaleseblogger
- Category: Related News
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# Dealing with Mistaken e-Transfer: A Moral Dilemma
I recently called TD Bank regarding an e-transfer of around $200 that I received mistakenly. Following my call, the bank assured me that they had flagged the transaction for investigation. Subsequently, the person who mistakenly sent the money has been reaching out to me via email, expressing their inability to recover the funds through their bank and requesting me to return the money. Despite my intention to do the right thing by returning the funds, I have refrained from responding to any of the emails, as per the bank’s instructions to avoid communication with the sender.
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### Seeking Guidance from Others
For those who have encountered similar situations, I am curious to know how you handled such a predicament. Your experiences and advice could offer valuable perspectives on navigating this delicate balance between moral obligation and compliance with banking protocols.
#### Update: Considering Potential Scam
Upon further reflection and based on the suspicious nature of the multiple emails received, including one that differs from the original e-transfer communication, I have come to suspect a possible scam. In light of this realization, I have decided to entrust the resolution of this matter to the proper authorities at my respective banks.
Your input and support are greatly appreciated during this challenging time.
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****** just grabbed a
That person asking for the money back is likely a scammer. They send you bad funds, a fraud team at the sending FI claws that bad money back, they have your 200$ you consented to paying them at a third account.
The only loser is you.
Have your bank send it back. They’ll send pictures of kids and say they’re a single mom, going to go to jail without that money, get killed without that money. They’ll say anything. Don’t send it.
There’s no way to know if you can trust the e-mail/phone# they are asking you to refund the money to.
I’d follow the bank’s advice.
Do not respond to them. Ever. Talk with your bank only. Let them investigate it. Go on about your life.
If the bank told you not to communicate with this person, but you do anyways and send them money and get scammed, the bank is not going to want to help you.
To protect yourself, follow the bank’s instructions and let them deal with it. They will resolve the situation. Don’t expose yourself to risk unnecessarily, especially since there’s a very good chance this is a scam.
Don’t send the money back by e-transfer, if it was sent from a compromised account, they can have the transfer reversed (due too the fraud). If you willing send the money back, that’s not a fraudulent transaction so that money isn’t coming back if the transfer to you is reversed.
You contacted the bank which is all you can do. The only other thing you *could* do would be to reply to the email and say that you’ve contacted your bank and reported the deposit as unexpected/incorrect and they can have their bank investigate.
It’s a scam.
Let your bank deal with it. Don’t spend it. Do not engage in any communication whatsoever with the sender.
Do not respond. Do not engage. Do not send back the money. Leave the money in your account in case the etransfer gets reversed.
Scam. Let the bank figure it out. Don’t let dude tell you that you are the only one who can help. Do you let random guys feel your body parts because you are the only one that appeals to them? Of course not.
Incredibly common scam. Once you transfer that money its gone for good. If it was a legit mistake let their bank sort it out.
What was the nature of the email you received? Did the sender identify themself by first and last name, provide a phone number, possibly an address, and explain how the mistake occurred?
Did the full name they provided match the name on the etransfer email you received?
It’s your decision whether or not to respond to their email. If you do respond, ask them if they would like you to pass their information along to your bank.
Advise your bank so they can work with the person about cancelling or returning it.
Act as though the money doesn’t exist.
Turn off autodeposit unless you want it to happen again.
Last summer someone accidentally sent me $300 and then $500 ($800 total) within a few hours of each other.
They then reached out to me via email and asked for the money back. I responded and was willing to give the money back but then I thought twice. I contacted my bank and told them they should contact their’s. My bank put the money on hold for two months and told me not to send it back to see if it would be requested back.
The money never got taken back and I had to block the person after telling them my bank put the money on hold because they kept emailing me. After 3 months or so the money was still on hold I had to call my bank back and explain the entire situation again because they had no idea why the money was on hold for so long. They took the hold off and I kept the money. I still feel some guilt because it seems as though it was an honest mistake but I was told not to send the money.
It also came from a separate email than the one who emailed me which was a little bit suspicious.
Scam. Tell your own bank (you already did) and move on.
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Its a scam. let the bank deal with it
Common scam. They’ll make you send the money back and then their initial e transfer will bounce,
Do not return the money. Let the bank deal with this. If you return the money now and they manage to cancel the e transfer you’re now out double. This is a common scam.
Did you deposit the e-transfer into one of your accounts?
The sender can pull it back if it isn’t deposited, as per [this Interac FAQ page](https://www.interac.ca/en/consumers/support/faq-consumers/#:~:text=To%20cancel%20a%20transfer%2C%20log,also%20charge%20a%20cancellation%20fee.) .
If you have already deposited it, I’m curious: why would you deposit an unexpected e-transfer from someone you presumably don’t know?
If this is a scam then why is ok for me to accept a etransfer for payment of Facebook goods?
Ive accidently sent 500$ to the wrong email once and it autodeposited so they didnt need to know the password. thankfully after some back and forth they refunded me
Total scam.
I got $100 sent to me before. I reported it and waited a couple weeks but nothing ever happened. Just an accidental free etransfer in the end
A further word of caution. The same thing just happened to me today. I have auto deposit. I assumed it might be a scam and called Scotia bank’s fraud department and later their customer service. Both advised me to try sending the money back.
I even clarified what if it was sent from a compromised account and I end up transferring it to a 3rd party. All 3 people I talked to said that there would be no way for the owner of the compromised account to get the money out of my account.
Luckily for me, the system wouldn’t allow me to send the money to the original email. Because of that, I’m just sitting on the money and making no further attempts to return the money unless the bank is involved.
I’ve turned off auto-deposit.
Don’t trust the bank on everything they tell you. The person who is asking for their money back might be desperate. I’d send it back if they’re communicating with you from the same email address. Cuz if TD takes it away then the sender may never see it again.
I used to regularly receive these from the same person. I turned on auto-deposit and they did it a few more times and then stopped.
Never really figured it out, but it bought me a dinner out.
Don’t release the item until you received confirmation from your own bank on the deposit.
If it’s just a random deposit, only speak with your bank on the issue.
Happened to me once received 200$ accepted realised it wasnt my dad kept it for 1 month he never tried to claim it spent it been a year with no news
This happened to me a couple of years ago, for $100.00. The lady emailed me and seemed legit and I sent her back the money.