Provided Wrong PayID Details to Buyer - What to Do?: (

Lbargainess on 14/03/2022 - 00:09
Last edited 14/03/2022 - 10:12 by 1 other user

Hi all, just wondering if anyone has ever paid the wrong PayID and if it was easy to get the money back?

I accidentally provided the wrong phone number to a buyer on Facebook marketplace. I only noticed my mistake when she sent me a receipt which showed the transfer had gone to a different person’s name to the one I gave her.

I’ve apologised and told her to contact her bank to recover the funds but she’s not replying (probably sleeping now). Is there anything else I can do here? I feel terrible :(

Thanks all

Financial

Comments

  • nxllson on 14/03/2022 - 00:25
    +4

    PayID is the exact same as an ordinary bank transfer - just instant, and BSB / Acc is replaced with a phone number / email address / ABN.

    Unfortunately, your chances here are very slim. You'll likely be liable for her losses due to your own negligence.

  • vinnychase on 14/03/2022 - 00:30

    how much money we talking?

  • Elppa8 on 14/03/2022 - 00:42
    +19

    You provided the payment details and the buyer followed those instructions, you need to send the item to the buyer.

    • thefinalproblems on 14/03/2022 - 08:01

      I agree. Check that you did in fact send the wrong information. There would be no way for the buyer to know you a mistake at the point they sent the money. If you don't send it, you're the scammer.

      • bargainess on 14/03/2022 - 08:41
        +5

        Yep I did send the wrong number (one digit wrong). I also sent the name of the account to verify it against (not sure if all banks do this but mine shows the name of the person before I put the PayID transaction through). Anyhoo all good, I’ll be sending the item today. Lucky it’s only $50. I blame it on our new baby and little sleep haha

        • toomuchdogfur on 15/03/2022 - 19:19
          +1

          Good on you for owning the situation!

          Hopefully the accidental recipient of your funds is as honest as you are.

  • Iwantthebestprice on 14/03/2022 - 01:04

    Your bot getting the money, the other party will withdraw the money and then nothing can be done. Next time be more careful

  • Cave Fire on 14/03/2022 - 01:08
    +2

    How it used to work was: on request for reversal, "her bank" will contact the other bank account's owner and the customer volunteer's to return the money. The bank can't force them to return it. Most people will do the right thing. I would call your bank to verify this. You can also reach out to the wrong account as you have their details.

    • spc12go on 14/03/2022 - 02:44
      +2

      Funny it doesn’t work like that when it’s the banks’ money.

      • Settero on 14/03/2022 - 08:19

        pay id rules are different to legacy payment rule if you report within 7 days and money is still there it will be returned.

        banks do it for their own transactions and not yours due to legal liability, which is reasonable lots of dishonest people who try to missues these sorts of processes and make it harder for the honest ones.

    • bargainess on 14/03/2022 - 08:49

      Oh yeah you’re right! I have their phone number! Baby brain has put me in a permanently fugue state lol. Good point, will give it a try. Thanks!

  • thefinalproblems on 14/03/2022 - 07:54
    +2

    I've had something like this happen to me once before when the seller gave me the wrong number. Bank will do nothing about it. Reversals take a while and can incurr a fee. I called the number and explained to them what happened. Got lucky, as they heard me out, checked their account and sent it back. If you're really desperate, might be worth a shot. If they're the type of people to accept a reversal, they will likely be the type of people to send it back. There are honest people out there. Onus shouldnt be on her, you should be the one trying to recover the funds.

    • Settero on 14/03/2022 - 08:16
      +1

      This actually sounds like a scam to me , it's a way to send funds from a compromised account and have the recipient be an unknowing money launderer by sending it to a different account than it came from , I would not assist and say speak to your bank to the caller.

    • lost in transit on 14/03/2022 - 09:38
      +2

      I found a Purse in the middle of the road a couple of years ago around xmas time, It was loaded full of cash and credit cards,I opened it hoping to see a drivers licence and the lady lived fairly close by, her husband had been driving everywhere trying to find it and she was frantic. They offered me cash and a slab of beer,I said no thanks no need but have a Merry Xmas …

      So your right there are a lot of honest people around, shame there’s not a lot more of them…

  • AndyC1 on 14/03/2022 - 07:55
    +1

    If she is not responding then the receipt was fake and you dodged a scam.

    • thefinalproblems on 14/03/2022 - 07:57

      That may be the case, but could also be genuine. If this happened late at night, it might be that OP hasnt given the buyer enough time to respond. OP can also look through Facebook messages to check if they indeed did provide the wrong number.

    • PensionerXXL on 14/03/2022 - 08:12
      +1

      or the buyer could be pissed that they are dealing with an absolute tard, providing wrong details then messaging at 1 am?
      so the buyer has to play games to get their money back, deal with OP & be without a product through no fault of their own……

      YE. REEKS OF SCAM…..

      • thefinalproblems on 14/03/2022 - 08:18

        When that happened to me, that was precisely what I thought. The seller who was very responsive at first, started to have larger and larger gaps in responses. In the end, I do believe the seller did make an honest mistake giving me the wrong information, but I was ropeable that I had to be the one to chase the money. Their response was kind of like sorry about that… can you do x, y, z? Since it was a digital item, they could have sent it after looking through the messages and verifying that they did in fact give me the wrong information, but nope, all I got was suggestions on what to do even though I wasn't the one who made the mistake!

  • holdenmg on 14/03/2022 - 08:29

    Don't transfer money directly into a seller's bank account. Instead, offer to use a secure person-to-person payment site, such as PayPal.

  • bargainess on 14/03/2022 - 08:35
    +2

    Thanks for the responses. I will send the item. Didn’t think there was much I could do but wanted to ask around just in case. I specifically gave her the name of account next to the number to verify the number against but yeah it was my fault so all good! Thanks all

    • djones145 on 14/03/2022 - 09:28
      +1

      what you could try is send a series of 1 cent transactions to the wrong number account and in the description tell them what happen and leave an email address for them to message u back

      u might be placed on a scam/spam list and get back van outside your house but totally worth it

  • askbargain on 14/03/2022 - 15:16

    Might be a scam? Check if the wrong number is even valid?

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