Typically, the story on January 20, Mr. Nguyen Viet Thai - Director of Bac Quang Tri General Hospital - said that hospital staff had just asked Ba Don Ward Police to support verifying and returning 440 million VND to the person who mistakenly transferred it to their personal account. According to Mr. Thai, after discovering that the bank account was suddenly added a large amount of money, this staff member proactively went to the police to report, requesting to find the person who mistakenly transferred it to return it. The person who received the mistaken transfer was Ms. Le Thi Phuong, an employee of the hospital's Department of Infection Control. Immediately upon discovering the incident, Ms. Phuong went to the police headquarters to report and ask for support to verify the person who mistakenly transferred the money. Ba Don Ward Police then instructed Ms. Phuong to work with the Bank where she opened the account to carry out the transfer procedures.
As cashless payments become increasingly common, such incidents are no longer rare and the consequences left behind are not simple at all.
Reality shows that many people only realize that they have transferred the wrong money when the transaction has been completed. At that time, even if they are very worried, they cannot arbitrarily "recover" the money transferred. Banks only play the role of intermediaries to support contacting recipients, and whether or not to return it largely depends on the cooperation of the account holder receiving the money or must go through complex legal procedures.
To limit risks, the first important thing is that users need to develop a habit of carefully checking the recipient's information before confirming transactions. Currently, most banking applications display the account holder's name after entering the account number or scanning the QR code. Correctly comparing the name displayed with the person who needs to transfer money is an indispensable step, especially for large amounts of money.
Caution should also be placed at the forefront when receiving money transfer requests via phone or social networks. Urgings such as "urgent transfer", "immediate handling" often make recipients lose their composure and easily make mistakes. In all cases, verifying information through another channel, such as direct phone calls or meetings, is a simple but effective way to avoid risks.
For large amounts of money, trying to transfer a small amount first for verification is a safe measure. When the recipient confirms that they have received the correct money, the transferee continues to make the remaining transaction.
The risk of transferring the wrong money does not only come from the operation, but also from the habit of using digital banking. Storing too many recipients in the directory, giving unclear reminder names or rarely reviewing the list of beneficiaries can lead to confusion. Users should also regularly update the banking application to use the latest security features and transaction warnings.
In case of unfortunate money transfer, what needs to be done is to immediately contact the bank to notify the incident, provide complete transaction information and keep relevant documents. The bank will support contacting the account holder to request a refund. However, it should be understood that the bank does not have the right to automatically deduct money from the recipient's account without the consent or decision of a competent authority.
Reality shows that there are cases where the money recipient is willing to return it immediately, such as the case above, but there are also many cases that are prolonged, arising disputes, and even having to be brought to court. At that time, the wrong transferee not only suffers losses in time and effort but also faces significant psychological pressure.
