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bank mistakenly sent me money, now my Account Balance Reads Negative (-#100,000) - Business (2) - Nairaland

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Re: bank mistakenly sent me money, now my Account Balance Reads Negative (-#100,000) by Hallenjay: 1:15pm On Jul 12, 2020
otomatic:
Bros, return the money before your BVN gets Whitelisted.
In your wife's case, she did a transfer on her own which no one can tell the business relationship with the recipient. Even if the recipient did not clear out the funds, the bank will require his written consent to reverse the money to the sender. If he declines, there is nothing anyone can do. At most they will put a lien on the amount while it remains in his account but they will not return the money to you. Saying it's a mistake is your word against his. What if he says there was an underlying business which he has fulfilled. The bank will then be dragged into the dispute. Furthermore, the bank cannot give out their customers contact details to you due to customer confidentiality rights. Best bet would have been to involve security agencies who will then use judicial processes to obtain any information necessary for their investigation.

In your case, the error was definitely committed by the bank. So they will just put your account in debit, credit the correct account and declare a shortage. I'm sure they will reach out to you for recovery.
They can but will not use BVN to debit your other account, because you did not give them a right of offset as in the case of obtaining a loan. They will not also ask the other bank for refunds/chargeback as they did not initiate the transfer. So, if they cannot persuade you to refund, they will just report the incident to CBN and request for a BVN whitelist as you will be seen as fraudulent.

Believe me, you don't want that because it has far reaching consequences.
for 100k? Weldone no b only fraudulent and fraudulenter because he hacked into der mails and did BEC
Re: bank mistakenly sent me money, now my Account Balance Reads Negative (-#100,000) by otomatic(m): 2:48pm On Jul 12, 2020
Hallenjay:
for 100k? Weldone no b only fraudulent and fraudulenter because he hacked into der mails and did BEC

So, how much will qualify it as fraudulent?
Re: bank mistakenly sent me money, now my Account Balance Reads Negative (-#100,000) by chelseamann(m): 1:03pm On Jul 24, 2020
Ibk2020:
Please I need advice from you guys,
I received a credit alert of #100,000 last week from my bank, the description of the the alert reads reversal. I knew the money wasn't mine but I immediately transfer the money to another bank account of mine and cleared all the money I had in that particular bank. After another 30 hours, the bank didn't call me but the removed the money from the empty account, leaving the account on negative (-#100,000).
Please do I need to be worry?

Modified :
The reasons I don't intend return the money is because my wife mistakenly sent a money to someone by missing just a digits on the account number late last year, we immediately called the bank, the bank refused to do anything and claim the recipient had withdraw the money immediately, they also refused to disclose the guy phone number, because we intend to call the guy and plead, even if he can refund half of the money.


This same bank that put my account on negative, why can't they put that same guy account on negative by reversal.
Hi.
Have u sorted this out?
Re: bank mistakenly sent me money, now my Account Balance Reads Negative (-#100,000) by chelseamann(m): 5:05pm On Jul 25, 2020
Una sure say bank never arrest this guy? Why is he not replying?
Re: bank mistakenly sent me money, now my Account Balance Reads Negative (-#100,000) by Gee64: 7:16pm On Jul 25, 2020
Fear God....return the money please!
Re: bank mistakenly sent me money, now my Account Balance Reads Negative (-#100,000) by imoh4king(m): 11:19am On Jul 26, 2020
GOFRONT:
Go ahead and transfer the -100,000.

grin grin grin

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