Ms. Mai Thuy Trang, co-founder and marketing director of RIIN Group Consulting and Investment Joint Stock Company (RIIN Group), said that on the afternoon of February 27, the company's sub-account was withdrawn with the amount of 95 million VND in two checks, at a transaction office of Asia Commercial Joint Stock Bank (ACB) on Hoang Dao Thuy Street (Hanoi).

According to the content of the request for check supply, the account holder of this company, Nguyen Duy Thinh, signed and requested the bank to supply two checks for cash withdrawal. The person authorized to receive the check is Mr. N.D.C, ID card number: 024202006xxx issued on May 9, 2021.

The bottom of the request shows that ACB agrees to supply the check with serial number: AA20409331-50.

However, speaking with PV.VietNamNet on the afternoon of March 4, Ms. Trang affirmed that this business had never signed any checks before.

Regarding the check used at ACB Hoang Dao Thuy, the company's representative said that the person who withdrew the money had forged the seal and signature.

“According to the naked eye, this fake seal has bold and thick lines, while the real company seal has thinner and clearer lines. The signature is completely fake compared to the real signature. But I don't understand why the bank still approved the cash withdrawal request," said Ms. Trang.

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The check that the business said had a forged signature was used to withdraw money.

Also according to the representative of RIIN Group, after receiving the SMS message notifying the balance change, the company immediately went to an ACB branch in District 2, Ho Chi Minh City to report the incident. Here, ACB staff instructed Ms. Trang to file a complaint with the police.

“But accusing a bank branch of losing customers’ money or accusing a fake person of withdrawing money? I think the bank has not fulfilled its responsibility and is pushing the problem onto the customers,” Ms. Trang said.

On February 28, a representative of this company was present at the ACB office on Bui Dinh Tuy Street, Binh Thanh District, Ho Chi Minh City and was instructed to make a detailed report on the company account where a "third party" withdrew the entire amount of VND95 million.

Here, ACB replied that an internal meeting was needed and "will respond later".

“We are a small company, just established, and we lost money on the day we paid our employees, so we encountered many difficulties. I think if we do not do it properly, there will be many other victims who will lose money like us,” said Ms. Trang.

While waiting for ACB's official response to the incident, speaking with PV. VietNamNet on the afternoon of March 7, Ms. Mai Thuy Trang suddenly said that on March 5, an individual contacted the company by phone and claimed to be "the person who withdrew money from the check" and voluntarily returned the entire amount.

Immediately, the company's account received the entire amount of 95 million VND, but the transfer content was recorded as " Withdrawing a check ".

“We also could not identify who the person who transferred the money was and did not agree with the transfer content of “Withdrawing a check”. Because it was the company’s payday, we sent an email to ACB to request their response on this amount, otherwise we would use that amount to pay the employees. However, up to now, ACB has not responded,” said Ms. Trang.

RIIN Group representative questioned the possibility that the subject withdrew money after realizing that the incident was widely shared on social networks, so he proactively "remedied the consequences".

Up to now, information about the person who returned the money is still a mystery to Ms. Trang's company.

On March 9, responding to VietNamNet , ACB said that the bank sent an invitation letter to the legal representative of Riin Group Company to work on March 5, but the customer refused to come to work.

"On March 5, the customer informed ACB that he had received the money back from the check beneficiary. This was a transaction in which the beneficiary transferred money directly to the customer's account and was not related to ACB," ACB stated.

ACB also affirmed that it always fully implements its responsibility to support customers according to the agreement signed between the customer and ACB on the terms and conditions of using services at the bank. At the same time, ACB has coordinated with the authorities to resolve the incident in accordance with the law and is completely transparent in the process of handling the incident with the customer.

Currently, RIIN Group has not officially commented after receiving ACB's response.