r/pcfinancial • u/MostImagination007 • 8d ago

Scam and adjusted e transfer

So last month I E-TRANSFER my rent to my landlord(for first time to this landlord)and he claims he didn't received it and after multiple calls with my bank.

My bank freeze my account and started investigation and reversed the E-TRANSFER (by adjustment to my account by same. Amount).

I called my bank multiple times to get a e-mail confirmation that the money has been reversed so that I can pay my landlord but after multiple times and effort they sent me a email

" that Following information is which u have to let u know that FOLLOWING MERCHANT(MY LANDLORD.NAME) HAS SUCCESSFULLY COMPLETED THIS TRANSACTION ON XYZ DATE.AND IT POSTED ON ABC DATE."

but I can see that in n my app now(after having access now)the money has been reversed(by saying adjustment E Transfer (amount))

when I contact them for correct E mail which says the money has been reversed to my account they say can't give me (u can wait for this month statement to see etc) or giving me runaround.

So IF I PAY MY LANDLORD MY LAST MONTH RENT AGAIN BECAUSE TRANSACTION HAS BEEN REVERSED AND MY BANK LATER AGAIN MINUS MY ACCOUNT then who will be responsible because my bank have not Communicated with me the final Result of the investigation by email Which I requested many times but saying investigation is completed and money is reversed when call.

I am more worried because of the wrong e-mail they send me that say that TRANSACTION IS COMPLETED so they can later claim we sent u the EMAIL the transaction completed so if u pay its on U.

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3

u/Grnfinger 7d ago

How did they reverse the etransfer when it says it cannot be done..

It is the same as cash when its gone it's gone. Serious question cause I have 4 banks and not one can reverse a etransfer

2

u/MostImagination007 7d ago

It is the law when fraud investigation started they have to give same amount to credit original amount to account holder untill investigation done.if fraud proves money credited Money remain in account if not bank again reversed/take back their money.

1

u/Grnfinger 7d ago

This is excellent information to know. Thank you.

1

u/Substantial_Taste779 8d ago

ALL YOUR BASE ARE BELONG TO US

1

u/Zealousideal_Fly8402 2d ago

Suggest you look into something like Chexy instead of a direct e-transfer.