Payid Is Reversable? Case Opened

Rukiata on 20/03/2024 - 11:31
Last edited 20/03/2024 - 19:03 by 1 other user

Hi guys, I know it's cash on pick up which is what I do normally but someone wanted something delivered, they have paid extra for shipping and I thought after 24 hours PayID is fine as they can't chargeback, but I was wrong, I just got an email from Ubank stating"

They have lodged a case with their bank and are requesting this amount to be reversed.

We are seeking your authority to return this amount to the account it was processed from.

Please respond to this email, confirming if you authorize the return of these funds from your account and the amount we may return.

Looking forward to your cooperation in assisting us to resolve this dispute.

That is fine, do I ignore the email and get to keep the money or do I reply saying no? if I ignore the email will they just release the money back to them because if no reply is given in time?

I'm not sure what to do can someone help?

Bit confusing people say PayID is safe after 24 hours and no chargebacks can happen but looks like you can or is this something else?

Update: they replied to my email and said We have advised the other bank that you do not authorise the return of funds.

Thanks,
so should be good. No need to bully in comments.

Financial PayID

Comments

  • CodeXD on 20/03/2024 - 11:32
    +11

    Make sure the link is valid and from ubank. If it is a legit transaction, don't authorise the return.

    If in doubt, you can always contact ubank

    https://www.ubank.com.au/contact-us

    • Rukiata on 20/03/2024 - 11:33

      how do i do that?
      how do i show proof of that?
      if I use authorise words in the email will they use that against me and just give the money to them. I have never done anything like this before and seems confusing no info

      • CodeXD on 20/03/2024 - 11:36
        +1

        Hard to know without content of the email, it should have steps for you to do if you authorise and steps if you don't.

        • Rukiata on 20/03/2024 - 11:37

          thats legit the whole email. lol nothing else.

          • CyberMurning on 20/03/2024 - 12:31
            -1

            @Rukiata: it should have steps for you to do if you authorise and steps if you don't.

  • PissLUR on 20/03/2024 - 11:34
    +9

    respond to the email and say NO

    • Rukiata on 20/03/2024 - 11:34

      thanks do i say anything else? like i thought i was protected from this if I use payid?

      • CodeXD on 20/03/2024 - 11:35
        +6

        You are protected, that is why ubank is asking for authorisation.

      • garetz on 20/03/2024 - 11:38
        +5

        Do not just say no,

        Say "I do not authorise return of funds"

        • Rukiata on 20/03/2024 - 11:39

          ty i used that, now lets see what happens

          • CyberMurning on 20/03/2024 - 12:35
            -5

            @Rukiata: you prefer to reply than calling? weird but up to you….

            • Rukiata on 20/03/2024 - 12:39
              +9

              @CyberMurning: they asked through email and yeah ill rather not call anyone and with email I have proof. hows that weird?

              • pharkurnell on 20/03/2024 - 14:50
                +3

                @Rukiata:

                they asked through email

                Are you sure who "THEY" are?

  • geekcohen on 20/03/2024 - 11:37
    -1

    Sounds like a dodgy email to me.

    • Rukiata on 20/03/2024 - 11:38

      lol ssadly its not its by ubank I can see their address and it makes sense cause it happened.

      • geekcohen on 20/03/2024 - 11:40
        +3

        It might look like their address, but it could very well not be.

        I would call them to confirm. Does the email have a case number?

        • Rukiata on 20/03/2024 - 11:40

          yes again its legit because it has also just happened. the date is right too. it happened on 18th

          • geekcohen on 20/03/2024 - 11:42
            +2

            @Rukiata: Okay, again, does it have a case number? I would call them to confirm it is legit and maybe do all dealings over the phone. Call them via the number on their website, no what is on the email (because if it is dodgy, I am sure the number is probably also going to be dodgy to some bunker in Russia).

            • Rukiata on 20/03/2024 - 11:43
              -6

              @geekcohen: yes it does.. i just said its all legit. its not fake .

              • geekcohen on 20/03/2024 - 12:12
                +6

                @Rukiata: Then time to call the bank and do all dealings over the phone.

              • CyberMurning on 20/03/2024 - 12:32
                +3

                @Rukiata: I would call them to confirm

              • Postal Dude on 20/03/2024 - 13:33
                +17

                @Rukiata: No offence but you sound like the type to think it’s legit when it isn’t.

                • MS Paint on 20/03/2024 - 13:36
                  +2

                  @Postal Dude: OP can't event find the shift key to create uppercase letters so I was thinking the same.

                  • pharkurnell on 20/03/2024 - 14:52
                    +13

                    @Rukiata: If people are brain dead, why are you asking their advice? Pot, Kettle, Black?

                  • Typical16-bitEnjoyer on 20/03/2024 - 18:35

                    @Rukiata: Have you literally read the amount of dropkicks that make posts about getting scammed? We have no way of knowing whether you form part of the group or not.

                    Yeah nah just literally give the money back, all good chief. God speed.

      • Sinnerator on 21/03/2024 - 08:50

        you should research "spoofing"

  • Fredfloresjr on 20/03/2024 - 11:41
    -1

    Scam.

  • El cheepo on 20/03/2024 - 11:48
    +27

    For someone who doesn’t know what to do, you sure are making life hard for yourself.

    Just call the bank.
    Find out if it’s legit or not.
    If it is, decline the authorisation.

    • MS Paint on 20/03/2024 - 12:25

      Click here to find why Ubank users hate these 3 simple steps.

  • roguescholar on 20/03/2024 - 12:22

    What were the terms of the sale?

    • geekcohen on 20/03/2024 - 12:23
      +1

      Buyer pays money. One seller receives money, seller hands over the goods.

      • SuperLate on 21/03/2024 - 02:32

        And No Refunds.

  • eug on 20/03/2024 - 12:48
    +1

    The email sounds legit, I got a similar email even when I'm the one who asked for the return from my own account.

    A few months ago some money appeared in my ubank account. After a month nothing happened so I called them to report it. I then received an email from [email protected] asking me to consent to the return of the funds even though I'm the one who reported it, so I guess it's just SOP.

    • Rukiata on 20/03/2024 - 13:42
      +1

      Same email, not sure why people are treating me like shit and saying its fake.

      • burningrage on 20/03/2024 - 16:10
        +8

        I think it is normal to confirm via phone. You never know. You may well be right but calling the bank itself makes that certainty absolutely certain.

        But no, I wouldn't return the money. In fact, you should state to the bank that money was for payment for goods already delivered and the fact that the buyer lodged a payid return means he/she could be a suspected serial fraudster.

      • djsweet on 20/03/2024 - 16:15
        +7

        Because it is prudent to verify anything coming from the bank that is asking you for money. Even if it looks 1000% legit, the sensible thing to do is double check. You are coming across extremely resistant to carrying out basic due diligence which is why people are treating you like ****.

      • 2esc on 21/03/2024 - 09:27

        Never trust any email never click on links within these sort of email. I always go to the website or ring.

  • BewareOfThe Dog on 20/03/2024 - 12:54
    +7

    This maybe of interest.

    • burningrage on 20/03/2024 - 16:18

      and it was reported today too! Yikes.

    • DoctorCalculon on 20/03/2024 - 20:32
      +2

      This person knew the last four digits of his credit card, the most recent transactions on his bank account and they also gave him a reference number.

      There is more to the story than what is shared in that news article.

      • burningrage on 22/03/2024 - 09:22

        You reckon insider hit?

  • Duckie2hh on 20/03/2024 - 13:48
    +1

    TLDR: OP received a dodgy looking email, turned out that OP is just rude.

  • timthetoolman on 20/03/2024 - 14:13
    -1

    OP I'd just check if it's a scam email first maybe? Could be fake

  • m a c9 on 20/03/2024 - 14:31
    +18

    Seriously, in the time you spent typing and replying to everyone here who triggered you, a phone call to ubank would've solved this and they would've given you a 100% certain answer rather than opinions of randoms on the internet.

    How hard is it to dial ubank, ask to speak to scams and fraud division, say you got an email that you think is suspicious and want to get it checked if it's legit.

    If they say it's legit then say no, I don't authorise - this was paid to me when I sold x item on marketplace or gumtree or whatever, if you want I have proof and tell them you have chat history with the buyer.

    If they say no, it's a scam then move on.

    With people like Deon Hong around you never know what else they might come up with once they find a flaw or loophole in the system.

    Their email with the correct date means jackall as (if it's a scam) then they know everything the bank knows. Time, date, amount, location, account details. Not that hard to scam if you're the one who made the transaction.

    • pharkurnell on 20/03/2024 - 14:52
      +1

      Maybe he is just used to communicating with 'brain dead' people…. who knows..

  • MS Paint on 20/03/2024 - 15:43
    +2

    Just out of curiosity - was this for a PS5?

    • jv on 20/03/2024 - 16:19
      +1

      Yes, but they sent me a PS4 !!! 😠

      • DoctorCalculon on 20/03/2024 - 20:15

        Sucks to be you since I received your PS5 the other day.
        In the delivery docket, they went out of their way make the number 5 bold.

        • jv on 20/03/2024 - 20:41
          +1

          That's fine, I'll wait for the PS6.

  • Mikefr on 20/03/2024 - 16:55

    If there was any sense of urgency, you’d talk personally to someone at their listed/advertised number. You don’t know how long your email will be in the queue before being attended to.
    Just my $0.05 worth.

  • c64 on 20/03/2024 - 18:55

    someone commented that osko payments are going to be reversible from later on this year https://www.ozbargain.com.au/comment/14942941/redir

    just one more reason not to accept payid

  • Desmond out on 20/03/2024 - 20:23

    Scams through emails best call the bank

  • numloxx on 21/03/2024 - 08:07
    -1

    Don't even respond to the email. Sounds like a phishing email to me. Phone your bank with the number on your card.

  • spurf on 21/03/2024 - 09:17

    I think more and more scammers are using AI to create their phishing attacks. I received a genuine sounding enquiry on Gumtree yesterday with none of the usual red flags such as poor grammar, recent account creation, requests for a relative to pick up etc. First red flag was a request for a courier to collect although I've had a few of these that turn out to be legit. Looked at the link in a sandbox browser and other than a slightly dodgy looking URL, the site looked extremely authentic. OP is definitely overconfident regarding the authenticity of the email they've recieved.

  • samfisher5986 on 21/03/2024 - 09:34
    +4

    A lot of overly cautious people here.

    Yes banks sometimes use email and they can be legit.

    Replying "Yes" to an email, even if they are a scammer does not somehow allow them to hack into your computer or steal your identity.

    Just make sure you don't give them anything a scammer would want.

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