Recourse for mistake on e-Transfer recipient email address | General financial discussion | Discussion forum

Winnie said
I sent an Interac E Transfer, but entered wrong email address.
That wrong recipient actually deposited my $300 to his bank account, because he was able to guess an answer to my security question.
I requested an Interac E Transfer payment back from that recipient, but no reply and no payment back.
I believe, that I lost that $300, because my security question was very weak and anybody would answer that question without any problems.
Yes, It's my mistake solely, I understand, nothing I can do, correct?  

u are out of luck. I always check recipient email address like 10 times before hitting send. A lot of people set up auto deposit. That gives u zero chance to retrieve/ cancel

savemoresaveoften said
A lot of people set up auto deposit. That gives u zero chance to retrieve/ cancel  

Auto deposit is very good, because name of that recipient will be shown before sending.
If that name was different, than intended name, I would not send that e-Transfer.
I will not use such silly and easy security question again ever, just learned my lesson.
And recipient email address better to be copied and pasted, not entered manually, as I did it wrongly.

Winnie said

Auto deposit is very good, because name of that recipient will be shown before sending.
If that name was different, than intended name, I would not send that e-Transfer.
I will not use such silly and easy security question again ever, just learned my lesson.
And recipient email address better to be copied and pasted, not entered manually, as I did it wrongly.  

Oh learn something new.

I never paid attention to the name lol. But I only send to people saved under my profile, so unlikely to screw up. For new payee, I always test with $1 first.

Winnie said

. . . entered wrong email address . . .

. . . he was able to guess an answer to my security question . . .
  

Thanks for sharing, Winnie. A good lesson for us All.

Sometimes life throws us a curve ball.

Dean

Winnie said
I sent an Interac E Transfer, but entered wrong email address.
That wrong recipient actually deposited my $300 to his bank account, because he was able to guess an answer to my security question.
I requested an Interac E Transfer payment back from that recipient, but no reply and no payment back.
I believe, that I lost that $300, because my security question was very weak and anybody would answer that question without any problems.
Yes, It's my mistake solely, I understand, nothing I can do, correct?  

To all those who are saying it’s Winnie’s fault, I completely disagree. What this person did Winnie is they stole from you. They hacked a password that was easily guessable and stole your money. I would pursue this further as a legal matter. Banks generally don’t like police investigating them so you might start by notifying a manager that you’ll need to file a police report if your money can’t be recovered.

I would send an email to this person who deposited the money and tell them you made a mistake. If they’re not responding, I would inform them of the same.

You would then need to file a civil suit against them. Up to you if you think that’s worth it but make no mistake, this is not your fault. You’re the victim here.

James said

To all those who are saying it’s Winnie’s fault, I completely disagree. What this person did Winnie is they stole from you. They hacked a password that was easily guessable and stole your money. I would pursue this further as a legal matter. Banks generally don’t like police investigating them so you might start by notifying a manager that you’ll need to file a police report if your money can’t be recovered.

I would send an email to this person who deposited the money and tell them you made a mistake. If they’re not responding, I would inform them of the same.

You would then need to file a civil suit against them. Up to you if you think that’s worth it but make no mistake, this is not your fault. You’re the victim here.  

Not sure how you would file a civil suit against some with only an email address. Interesting point though, if a bank machine spits out $1,000,000 instead of the $100 you asked for you can't legally keep it. No harm in trying to email the recipient and asking for it back or else you will pursue them even if you really can't.

Bob said

. . . No harm in trying to email the recipient and asking for it back or else you will pursue them even if you really can't.  

Winnie ... That's ⬆ worth a try ❗

Sometimes people can be 'Scared' into doing the right thing.

Dean

Winnie said
It's my fault.
If I would mail (via Canada Post) to someone my TD bank client card with my TD ATM PIN attached and a note "I have $300 in my TD account, if you want, just take it", I would be completely at fault and no help from TD bank, police or civil suit.

My security question was so silly and guessable immediately at the first attempt by anybody. It was completely irresponsible, my fault. I had no time and completed that e-Transfer very quickly.

I sent email to the recipient and also requested an e-Transfer payment back from that recipient, but no reply and no payment back.

I don't know the recipient name, by the way, it shows only as "One time contact".  

@James, take note. Even Winnie admits its her fault.
We all agree it sucks and feel sorry for Winnie. But typing in the wrong email and a easily guessable psd, I am not as sure to call the wrong receipient a thief.
Its no different from someone found a $100 in "sealed" envelope on the floor where Winnie had been 5 mins ago, grabbed it and walked away basically.

Winnie said
It's my fault.
If I would mail (via Canada Post) to someone my TD bank client card with my TD ATM PIN attached and a note "I have $300 in my TD account, if you want, just take it", I would be completely at fault and no help from TD bank, police or civil suit.

My security question was so silly and guessable immediately at the first attempt by anybody. It was completely irresponsible, my fault. I had no time and completed that e-Transfer very quickly.

I sent email to the recipient and also requested an e-Transfer payment back from that recipient, but no reply and no payment back.

I don't know the recipient name, by the way, it shows only as "One time contact".  

Thank you for sharing your experience, regardless of some of the off-the-wall comments in this thread. It reminds us again to be careful with typing of email addresses and passwords (for recipients not on auto deposit).

A recipient with integrity and conscience would return the funds but that kind of character seems to be in decreasing supply these days.

Winnie knows all that Bill. She just didn't take enough time to verify the email address was correct. It is not hard to mistype email addresses.

I now have about 15 (or more) recipients set up in my account from over the years. One has to be careful with the mouse cursor when picking from the list to ensure it is the correct one. I messed up once a few years ago with a mistyped email address but was able to recall it once I recognized my error. Fortunately the 'wrong' recipient wasn't on auto deposit.