URGENT: Need Help! The Buyer Called CBA to Stop The Payment to Me While Goods ($4K+) Were Delivered

mrhorse on 29/05/2018 - 10:55
Last edited 30/05/2018 - 12:07 by 1 other user

Thank you so much for reading this.

The buyer called CBA to stop the payment to my CBA account after the goods are delivered.

Last night I could still see this payment was pending, but this morning when I tried to check, I was shocked that my account to receive this fund disappeared.

Called CBA, they said the sender asked to stop the payment, there's nothing they can do until the sender agrees to proceed.

What I have at the moment is the payer's payment screenshot (legit cuz I was able to see this fund in my account), the copy of his driver's licence and the copy of his written agreement that he transferred this fund to my bsb xxxxxx, acct xxxxxxx and his signature and date.

I am so worried that he would deny the payment and then I have to dispute to CBA.

Can anyone please suggest what is the right way to do it?

Thank you so much!!!

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Comments

  • tsunamisurfer on 29/05/2018 - 10:57
    +57

    Would mind offering some clarity around why you sent the goods before the money was actually in your account?

    • mrhorse on 29/05/2018 - 10:59
      +4

      He sent the money first yet it was pending.

      It used to be totally okay as long as the money was sent from a CBA account.

      I was totally shocked when I saw my account disappeared.

      • tsunamisurfer on 29/05/2018 - 11:04
        +201

        Would mind offering some clarity around why you sent the goods before the money was actually in your account?

        • ozzpete on 30/05/2018 - 04:22
          +23

          trust … Unfortunately something which can cause great losses these days .
          If only everyone was trustworthy and honest, then the OP would have no such problem.

        • [Deactivated] on 31/05/2018 - 23:39
          +1

          @ozzpete:

          This is why you use PayID

        • thord on 01/06/2018 - 15:02
          +6

          I get pretty sick of seeing this smug arsehole attitude on ozbargain. How about we don't act like a community of sanctimonious dicks?

          The guy made an innocent mistake. He saw the money transferred and showed up in his account. It's not unreasonable for him to expect it to remain there.

        • Shad on 08/06/2018 - 22:46
          +1

          @thord:
          same thing happened to me here,
          https://www.ozbargain.com.au/node/382175
          but Here the buyer after receiving money did not honour his deal of sending the points.
          Even though the transfer happened on sunday, I was not able to stop it - transaction dispute case is still pending - they might close it even though i have all the proofs that the buyer did not sent the points for the money he received.
          For every reply to the questions asked in the thread, i was down-voted until I stopped giving replies.
          I know I made mistake but why down-voted instead of giving realistic opinion or solution
          https://www.ozbargain.com.au/node/382175

      • Quantumcat on 29/05/2018 - 12:47
        -3

        I hope you learned a lesson from this

      • BobbyMcBobFace on 30/05/2018 - 17:03
        +10

        Why on earth is this getting downvoted? This "community" is (profanity) pathetic.

  • apple2016 on 29/05/2018 - 11:02
    +31

    If you think its a scam/fraud by the buyer then contact https://www.afp.gov.au/what-we-do/crime-types/cyber-crime/on…

    • mrhorse on 29/05/2018 - 11:12
      +16

      Sincerely thank you for your suggestion

    • [Deactivated] on 29/05/2018 - 11:05
      +6

      did you read the post?

  • cwongtech on 29/05/2018 - 11:03
    +36

    Time to send bikies to delivery address.

    • ozzpete on 30/05/2018 - 04:23
      +17

      Delivery address is the bikie clubhouse though … So they're already there

      • AngusD on 31/05/2018 - 12:59
        +5

        Ask them for a discount since they'll be saving on travel costs.

  • 87percent on 29/05/2018 - 11:14
    +1

    WHY did he cancel the transaction? also, did you google the name and see if anything pops up as on a scam site?

    • Unrvl on 31/05/2018 - 13:40
      +1

      because he had a chance to save $4k and took it?

  • [Deactivated] on 29/05/2018 - 11:23
    +19

    This is a well documented and now old scam. Wait for clear funds or cash.

    • CyberMurning on 29/05/2018 - 13:41
      +14

      nah there are stories about fund clears but then got reversed because they used stolen/fraud cheque.
      go figure. yes ALREADY CLEAR.

      • sickburn on 30/05/2018 - 11:38

        And yet when people buy/sell something like a vehicle they insist a bank cheque "is as good as cash."

        • [Deactivated] on 30/05/2018 - 15:07

          A bank cheque is almost good as (there are some rare circumstances where it may not clear, eg altered/fraud, legitimately lost and not in possession of the intended recipient, under court order). Of course, you could fake it the same as you could fake cash. A personal cheque is worthless unless you wait for it to clear.

          With a car, it's going to be enough 99.99 times out of a 100. Cash probably the same or less (often a chance it will be proceeds of crime, or that the owner simply doesn't report the car as being sold and commits crimes using the car, you then have one less supporting record proving you sold it).

        • Mitch889 on 30/05/2018 - 19:19
          +1

          Take the bank cheque into your bank with the buyer in tow, they will confirm it’s legitimacy.

  • mskeggs on 29/05/2018 - 11:23

    How much was the sale? That will depend what options are available. (e.g. no point suggesting you go to court over $20, but worth it for $5000).
    Best to wait for cleared payment before sending in future.

    • mrhorse on 29/05/2018 - 11:29
      +8

      $4k+, thank you. Decide to go to the branch and see what's next.

      • holdenmg on 29/05/2018 - 11:36
        +59

        CBA and a loss of $4K+ gets you a seat at the Royal Commission.

      • ihbh on 29/05/2018 - 12:47
        +24

        What did you sell him, a horse?

        • CyberMurning on 29/05/2018 - 13:41

          jaguar maybe

          edit: i see what you did there

        • Broke-Ken on 29/05/2018 - 15:39
          -1

          I see what you did there, but then OP would just be known as Mister

          I think he sold a TV or monitor. Those types are all the rage these days.

      • bobbified on 30/05/2018 - 11:56
        +2

        $4K?? Geez!! I really hope everything works out for you.

  • myusername on 29/05/2018 - 11:34
    +7

    post the address of the receiver here i'm sure someone would like to help

    • CyberMurning on 29/05/2018 - 13:41
      +1

      why not directly post the address to the bikies house. with few $$$ inside for sure

  • carlJack on 29/05/2018 - 11:34
    +26

    People never learn

    • CyberMurning on 29/05/2018 - 13:42

      got blinded by easy $$$

      • Yummy on 29/05/2018 - 15:54
        +1

        Easy $$$ for the scammer, hell yeah!

        • HeartFeltAxe on 31/05/2018 - 08:08

          That's something the scammer would say!

    • GregMonarch on 31/05/2018 - 20:52

      To not 'learn' would mean he saw the scam before and still shipped the item.

      What kind of bank shows payments as 'pending' anyway!? None of the bank I use do that… The money is either in your account, or it isn't yet.

  • [Deactivated] on 29/05/2018 - 11:41
    +1

    What does the delivery address on google maps show?

    • CyberMurning on 29/05/2018 - 13:42

      would be epic if the address is actually police station

  • donbot on 29/05/2018 - 11:43
    +5

    Funds deposited and cleared in account before anything is delivered. It really is that simple.

    If they dont want to do that - then walk away. Easier to find another buyer than to find the dodgy buyer that ripped you off.

    • brokenglish on 29/05/2018 - 17:48
      +10

      Actually it’s easier to find another dodgy buyer. Oh wait, they find you instead! ;)

  • [Deactivated] on 29/05/2018 - 11:53
    +20

    Smart people learn from the mistakes of others.

    Average people learn from their mistakes.

    Dullards never learn.

    All we can aim for is average at this point. The right way was to be smart. There's dozens of posts like these in OzBargain (and the rest of the interwebs)

    Grieve your losses, fight but don't keep your hopes up, and learn from your mistake.

  • ScuseMe on 29/05/2018 - 12:32
    +1

    Should have used PayID. But hopes everything ends well for OP

    • mick123 on 29/05/2018 - 12:51
      +1

      Hi, off topic but on topic to this discussion, does anyone know if PayID is fully fully secure (yes I meant to write fully twice). ie. cant ask for reversal/chargeback etc

      • ScuseMe on 29/05/2018 - 13:32
        -4

        Hi, my thoughts are nothing is 100% safe. That's why everyone needs to use their brain and have a bit of common sense rather than relying on others.

      • coco1458 on 29/05/2018 - 18:13

        The best way to effectively use PayID is to request payment through PayID, then once payment has come through (no wait time from end to end) clear your account into another account, then send the goods.
        If they use chargeback, there'll be no funds in the account but also you'll be able to talk to the bank about the situation without loss

        • aurotaro on 29/05/2018 - 23:05
          +10

          I used PAYID over the weekend when I sold my sofa. Chick paid me 200 as a deposit and it went thru instant.

          Came a day later to pay the rest and pickup the sofa and used PAYID again but this time CBA said wait for 24 hours for funds to clear as this is thre first time PAYID is being used to send money to me… Even though we did it just 24 hours ago.

          Go figure… Anyway took 24 hrs for funds to clear and all good.

          TL Dr, PAYID isn't instant all the time.

        • shadowangel on 30/05/2018 - 02:53
          +1

          @aurotaro:

          It is instant, it's the fraud prevention on cba that needs work. My ing and nab accounts don't do it.

        • dcep on 30/05/2018 - 09:45

          @ndreamer:

          why macquarie listed on nppa payid website but no payid until now

        • Gina Rinehart on 30/05/2018 - 10:33

          @phunkydude: they've said it is coming later this year. They weren't ready at release (not sure if they ever promised to be, either).

        • droodle on 30/05/2018 - 12:49

          @ndreamer:

          ING does payid

        • PissLUR on 30/05/2018 - 14:36

          @ndreamer:

          ing to ing also takes 24 hours to clear.

        • [Deactivated] on 30/05/2018 - 15:10
          +1

          @PissLUR: I've had <2 minutes wait for ING > CBA and reverse, first time, every time.

        • PissLUR on 30/05/2018 - 15:11

          @Bargs:

          yup. its all good for different banks. but the first transaction from ing to ing will takes 24 hours to clear.

        • thord on 01/06/2018 - 15:04

          wouldn't your account just get overdrawn?

  • tryagain on 29/05/2018 - 12:43

    He could have easily deposited a fake cheque into your account, doctored up a screenshot and sent you through a fake/doctored ID. You seem to have placed 4K at stake on the basis of some pretty easy to fake checks. Have you contacted CBA to see what they have said happened?

    • Baysew on 29/05/2018 - 12:58
      +2

      Called CBA, they said the sender asked to stop the payment, there's nothing they can do until the sender agrees to proceed.

      • tryagain on 29/05/2018 - 13:17

        I did read that, obviously didn't sink in.

        • D6C1 on 30/05/2018 - 16:38
          +12

          User name checks out. Try again

  • Some Human on 29/05/2018 - 13:03
    +19

    How are people still falling for this scam?

    • [Deactivated] on 29/05/2018 - 13:10
      +3

      Because you can't legislate against stupidity

      • CyberMurning on 29/05/2018 - 13:44

        but we go to school to get rid of stupidity, correct?

        • garetz on 29/05/2018 - 22:06
          +1

          Thats a big misnomer, school doesnt make you smarter, school helps you regurgitate information, it doesnt help you understand it necessarily that well. I should specify high school that is, university is a different learning environment.

        • [Deactivated] on 30/05/2018 - 07:58
          +4

          We go to school to learn how to work for business owners

        • ItsMeAgro on 29/05/2018 - 23:49
          +14

          Nice work, now stupid people are hungry enough to stab you for your pocket change, like in the US.

          The dole is cheaper than 24 hour armed security (and non-sociopaths also like the fact that it makes life bearable for society's misfits, who aren't all unemployable due solely to laziness).

        • orangetrain on 30/05/2018 - 08:27
          +1

          @ItsMeAgro: Reduce dole by redefining payments effectively reducing it by a large amount and charge them with robodebt. Business as usual.

          I'm trying to become a Liberal candidate. I believe this nation needs desperate labour so I can get a cheap $4 espresso.

      • PotPlant on 31/05/2018 - 20:08
        +2

        Your compassion for the poor OP is off the charts. You are effectively saying "I told you so! Cmon man, have a heart. Some people learn the hard way, it doesn't mean they haven't learnt!

        The OP is asking for what to do NOW that he has made his mistake, all you have done is rub salt into the wound.

        I hope you don't treat your family members like this when they err!

    • zealmax on 31/05/2018 - 09:32

      Don't blame him for falling for it. People are still falling for the Harvey Norman scam, everyday.

    • mohan76 on 31/05/2018 - 12:29
      +1

      Because lot of people are genuine and bealive follow cittizen.

  • colaman on 29/05/2018 - 13:28
    +3

    The right way to do it would have been to wait for the funds to clear and then send the goods.

    • CyberMurning on 29/05/2018 - 13:43
      +1

      nah, still possible bank will reverse if it is comes from fraud cheque, after clear. there are post on whirlpool about it. amazing, right?

      • MetaphorOZB on 30/05/2018 - 12:51
        +2

        Cash is truly king when selling 2nd hand.

        • ensanguined on 30/05/2018 - 14:00
          +1

          You can't counterfeit money anymore? When did that happen!?

    • rave75 on 30/05/2018 - 15:30

      what if you sent the cleared fund to your other account? and you cheque/savings account wont go to overdraft.

      • 2024 on 30/05/2018 - 23:51

        The bank will still try and get their money, trust me. Debt collectors, place the account into negative balance, whatever they can do they will.
        The way they see it, they're not part of any liability between the two parties (even though if they release funds to their destination they should be).

  • CyberMurning on 29/05/2018 - 13:39
    +11

    "the copy of his driver's licence and the copy of his written agreement that he transferred this fund to my bsb xxxxxx, acct xxxxxxx and his " ——> fake ID

    • boomramada on 29/05/2018 - 14:48

      Photoshop id?;)

    • kickling on 29/05/2018 - 23:27
      +4

      On a related note, I just found my Batmobile driver's license!

      • ozzpete on 30/05/2018 - 04:29

        But lost the keys to the batmobile :(

        • kickling on 30/05/2018 - 16:26
          +1

          *waits for Alfred to bring spare key

  • garetz on 29/05/2018 - 13:45
    +6

    Why would you send anything without funds being cleared, thats a huge mistake on your part, always take your time sending an item, at worst the recipient takes longer to recieve it, that doesnt really affect you at all, i usually wait 2-3 days if not 1 week before sending an item after a direct deposit. At the 4k price point i definitely would of waited as long as it took.

    • CocaKoala on 30/05/2018 - 20:42
      +5

      would of

      would have.

    • whoopdeedoo on 31/05/2018 - 12:19
      +2

      but what kind of fool would bank transfer $4k to someone they've never met? thats a lot of trust.

  • Rifraf on 29/05/2018 - 13:56
    +21

    In god we trust, all others pay cash……

    • ozzpete on 30/05/2018 - 04:34
      +3

      In god we trust,

      Can't even trust representatives of church/god these days . Sad, but true.
      Its a fine line between trying to trust people to do the right thing (as OP did) and being so hyper-vigilant that its borderline excessive paranoia.

  • Ocker on 29/05/2018 - 15:00

    I am assuming the payment was from a CBA account to a CBA account? I say this because if transferring from one bank to another then once it leaves your bank only the receiver can authorise return of the funds, viz the sender cannot stop payment

    • mrhorse on 29/05/2018 - 16:32

      this is exactly what i thought and read from cba's website. but the answer is no. they can call and stop it if you say the word 'fraudulent'.

      I searched around and found this:

      https://forums.whirlpool.net.au/archive/2617127

    • Agret on 31/05/2018 - 00:06

      If the payment was from CBA to CBA then it would be in his account instantly and not pending.

      • cciputra on 31/05/2018 - 09:00

        ^this
        You would not have time to cancel the funds because transferring between cba accounts are instant

      • MrTweek on 31/05/2018 - 16:16

        Transfers are never pending (at least in my account).
        I think this was something different, maybe a cheque cashed in and then bounced or something.

      • [Deactivated] on 31/05/2018 - 23:45

        Incorrect - the first payment is always pending.

        Every payment after that is instant.

        How do I know - multiple tenants and friends that have transferred me for the first time (always pending) and transferred every time after that (always instant)

        This is with CBA

  • chumlee on 29/05/2018 - 18:13
    +8

    If you have his drivers license just apply for credit in his name a dozen times. Really screw up his credit file so he can spend months getting it fixed.

    Most likely fake ID anyway so check first

    • echelon6 on 30/05/2018 - 11:53
      +3

      what a softcock move

      take him to small claims court, you have his licence ffs

      • chumlee on 30/05/2018 - 14:35
        +3

        Most likely fake ID

  • drogba on 29/05/2018 - 22:15

    If the scammer guy has a CBA account and was able to verify themself on the phone to cancel the transfer wouldn't that mean they have his details on file?

    Or can anyone open a bank account with fake details?

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