Erroneous transfers are a big problem. And often not only for the sender, but also for the recipient. The latter does not see the details of a stranger, and therefore cannot return the money on his own initiative. The sender simply loses them - he is forced to contact the bank's support service to try to cancel the transaction.
Sometimes it is really possible. Let's talk about how to return mistakenly transferred money to the card of a friend or an unknown recipient, in which cases your bank's support service can help, and when you cannot do without going to court.
When can a bank return mistakenly transferred money?
There is such a mechanism as a "return payment" - also known as "chargeback" (from the English word chargeback). The essence of the technology is that the bank can challenge and subsequently cancel some transactions. In what cases is this possible:
Money was written off from the card, but the sender did not tongliao mobile number database receive the ordered goods or paid service. For example, you made a purchase in an online store, but the order never arrived. You can try to contact the bank to return the money spent. If possible, the employee will tell you about the procedure and the documents that may be required to complete it.
There was an error when paying for a purchase with a card and you paid in cash, but later the money was still debited from your account. Then you have every reason to demand that the payment be cancelled.
An error was made and the wrong amount was debited from your account.
The money was written off by scammers, although you did not buy anything and did not pay for any services. Perhaps one of the most common situations. If this happened, block the card as soon as possible, and then contact the bank and try to initiate a chargeback.
Unfortunately, the card issuer cannot always carry out the procedure. There are many restrictions - regulatory, technical and situational. Most often, bank clients transfer money not by mistake, but as a result of fraudulent actions of third parties. In this case, it is almost impossible to make a return payment. Fraudsters know about the technology and immediately withdraw money from the account to which the transfer was received. The only way out in this situation is to contact law enforcement agencies.