While she was very happy and surprised to receive back the money she had mistakenly transferred 4 years ago, another surprise came to Ms. Nga when a scammer visited, related to the refund she had just received.
Online scam warning - AI illustration
Get back money transferred by mistake 4 years ago
Informing Tuoi Tre Online , Ms. Dung (36 years old, living in Hanoi) said she was very happy because on February 17, her bank account unexpectedly received more than 8.5 million VND with the content "VU CONG NGA CK, VU CONG NGA HOAN TRA TIEN CHUEN NHAM QUY 9-2-2021". She was surprised because the amount added this time coincided with the amount she mistakenly transferred to another account (in the same Asia Commercial Joint Stock Bank system) 4 years ago.
Instead of transferring monthly salary to the company driver, Ms. Dung mistakenly transferred more than 8.5 million VND to the account of a person in Dak Lak.
Knowing that she had transferred money to the wrong person, Ms. Dung went to the bank to report and complete the procedures. "At that time, the bank reported that it had frozen the money and would contact the other recipient to sign a refund order," Ms. Dung informed.
I thought that money had "gone into the past" because it had been 4 years, but now Ms. Dung unexpectedly received it back.
"I had a hard time at that time, but because I was wrong, I had to pay the driver's salary out of my own pocket. The company supported 3 million, and my colleagues supported 2.5 million," she said.
Scam 'visits' now, related to refund
Ms. Dung, some colleagues and relatives were very happy and surprised when they learned that the money transferred by mistake from 4 years ago was refunded.
She posted on the banking community fanpage, wanting to thank the account owner VU CONG NGA. Not knowing if the other account owner had received the thank you, but the scammer took this opportunity to visit her.
She said that after 1 day of posting on the fanpage, her phone suddenly received a call from the number 07773363xx. On the other end of the line was a male voice, introducing himself as "a teller of the 247 support department of Asia Commercial Bank".
The scammer knew all the information, read the correct refund amount, the person who made the transaction, and the transaction time. Regarding the reason for the call, the scammer said: "Calling to confirm and complete the transaction to avoid legal disputes between the recipient and the sender later."
From the request to provide the OTP code, Ms. Dung realized that she might have been scammed so she quickly hung up the phone - Illustration photo
To deceive, the scammer said that the person who transferred the money had originally settled abroad and had just returned to the country.
After a few minutes of discussion, the scammer, under the pretext of verifying information, asked Ms. Dung to read the correct transaction time, the amount received, and the correct name of the sender. The scammer read the correct phone number she was using, then asked her to read it to verify the CCCD number.
When Ms. Dung read too quickly, the scammer asked her to read slowly and clearly. At the same time, he threatened that "if the information provided does not match, the system will force the freezing of all the money in the account". Using psychological pressure, the scammer threatened that if the freezing was done, Ms. Dung would have to go to the transaction counter herself after 75 days to get her money back.
"Now the system will check, if the phone number I registered and used is correct, the Zalopay system will send a 6-digit verification code, please read it out loud for me," the scammer said.
Seeing the OTP code involved, Ms. Dung expressed suspicion of being scammed.
The scammer immediately launched a new trick: "Please note, only the bank staff has your information. I do not ask you to provide your login password, card password, or log in to the link. This call is recorded to ensure the quality of service in the future.
I am verifying for myself, if the money is affected in the future, the system will take full responsibility for the problem for me. I am Le Van T., my employee code is 10xx. You have the right to record the call as evidence later."
The scammer kept urging, speaking very quickly, repeating many times that he did not ask for a password or login link, "must distinguish between bank employees and scammers", threatening that all the money in the account would be frozen for 75 days. This person asked Ms. Dung to read the verification code aloud.
"When I saw the request to send an OTP code, I was suspicious, so I didn't read it. I turned off my phone and called the bank's hotline, only to find out that the bank never calls customers using their personal mobile numbers," said Ms. Dung.
There is no such thing as calling to ask for OTP code.
Speaking with Tuoi Tre Online , an expert from Asia Commercial Joint Stock Bank said that there was no such thing as calling customers to request verification of personal information, bank account numbers, requesting OTP codes, logging in to links, etc. Therefore, the above cases were all carried out by fraud groups.
Regarding the confirmation process to collect and refund the money that the customer has mistakenly transferred, there will be many steps. This includes verifying the transaction at the time of the sender and the recipient. The time to refund the mistakenly transferred money depends on the recipient. "In case the recipient can be contacted and the customer confirms that it is a mistaken transfer, ACB will proactively refund as requested. In case the contact cannot be made, after 30 days, the bank will return the result," the specialist informed.
Source: https://tuoitre.vn/vua-nhan-lai-tien-chuyen-khoan-nham-4-nam-truoc-lua-dao-ghe-tham-ngay-20250219163632465.htm
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