GĐXH - A Chinese man mistakenly transferred 480 million VND but had 313 million VND deducted when the money was returned, leaving him in a "dilemma", not knowing how to get the money back.
Man mistakenly transferred 480 million VND and got it back, but the bank deducted 313 million VND due to incorrect transaction.
Just because of a mistake when transferring money, the man is at risk of losing hundreds of millions.
On January 17, 2025, a man surnamed Zhang living in Guiyang City, Guizhou Province, China transferred 150,000 yuan (about 521 million VND) to his friend via a banking app. Initially, Zhang sent 12,000 yuan (about 41 million VND) in advance and the transaction was successful. However, on the second transfer, an unexpected incident occurred that made him extremely regretful.
Due to his habit of saving frequently transacted accounts on the app, Mr. Truong entered his friend's name to send without paying attention to the account number. Because of that, the remaining amount of 138,000 NDT (about 480 million VND) was accidentally transferred to the account of a former colleague. This person has the same name as Mr. Truong's friend.
At this point, Mr. Truong was shocked and quickly contacted his former colleague. The colleague also quickly confirmed that he had received the money and expressed his desire to return it to Mr. Truong. However, when this person checked the account, an unexpected problem occurred. The former colleague had a home mortgage loan that was 2 years overdue. When the account saw that the money had been transferred, the banking system immediately and automatically deducted 90,000 yuan (about 313 million VND) of the outstanding balance in the blink of an eye, leaving only 48,000 yuan (about 167 million VND) on the card.
Although the former colleague did not hesitate to quickly pay the remaining amount, this person was having financial difficulties and could not immediately return the 90,000 yuan that had been deducted, which became a difficult problem for Mr. Zhang. Faced with this dilemma, Mr. Zhang wanted to seek legal intervention to get his money back.
However, he was afraid of the high cost of litigation and did not even know who to sue. In fact, the recipient of the money transfer was very cooperative, proactively admitted that he had received the wrong transfer and returned part of the money.
Warning about common money transfer errors
Local police said that if the other party denies and refuses to pay, then legal assistance can be sought. Currently, the other party has admitted the debt but is unable to pay, so the police suggested that Mr. Truong should negotiate with the bank.
Mr. Truong also knew that the bank had deducted the overdue debt according to regulations and was not at fault, but this amount was not the legal and normal income of his former colleague. He wanted the bank to clearly verify and return 90,000 yuan (about 313 million VND) to him, and the debt to the bank would be the responsibility of his former colleague.
After that, Mr. Truong discussed with the bank, hoping that the bank would sympathize and handle special cases in a special way. However, the bank refused Mr. Truong's request and said that they had followed the correct procedure. According to the bank, they only took back the money they had lent to customers for many years, this deduction was also made from the account that owed the bank and had no obligation to find out the source of the cash flow. This made Mr. Truong feel very helpless and heartbroken.
Currently, the bank staff said that Mr. Zhang’s case has been reported to his superiors but has not yet received a response. After receiving a response from his superiors, Mr. Zhang will be notified immediately. However, as of the time of the media in Guizhou Province, China, there has been no further information from the bank and Mr. Zhang’s 90,000 yuan has not been resolved.
This incident is also a reminder for everyone to double-check information carefully when transferring money to avoid similar problems. In addition to Mr. Truong's case, there are many cases of mistaken transfers but it is difficult to get the money back, because the other party is a stranger and cannot be contacted, or intentionally misappropriates the money.
Source: https://giadinh.suckhoedoisong.vn/nguoi-dan-ong-chuyen-khoan-nham-480-trieu-dong-duoc-dong-y-tra-lai-nhung-bi-ngan-hang-tru-mat-313-trieu-dong-canh-bao-loi-thao-tac-so-dang-nhieu-nguoi-gap-phai-172250210094247398.htm
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