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What to do if you are on a receiving end of Interac transfer sent to the wrong email address?
May 14, 2023
6:24 pm
RetirEd
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When in doubt, don't click on anything. Contact your bank or financial institution. And get the names of those you deal with.
RetirEd

RetirEd

May 14, 2023
6:37 pm
BlueSky
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Winnie said

Is it a real address or scam?  

It's Interac's domain. Safe page.

May 14, 2023
8:26 pm
Norman1
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Address etransfer.interac.ca is real. But, the rest of the URL doesn't look right.

I had a look at one of my real Interac e-transfer notifications. Neither link in the notification resembles that.

The links look like the following, where ░▒░▒░▒░▒ is the unique payment key:

https://etransfer.interac.ca/redirectFromShortcutToFi.do?pID=░▒░▒░▒░▒&…
https://etransfer.interac.ca/░▒░▒░▒░▒/…

I would either put the e-mail aside for a month or delete it. I would not bother contacting the sender if I did not know him or her.

If it was an actual Interac e-transfer, the e-transfer will expire in a month. The sender will then receive notification of the expiry and be able to retrieve his/her funds from the unclaimed e-transfer.

May 14, 2023
9:16 pm
AltaRed
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I agree with Norman1. Ignore it and it will go away on its own in due time if it is legitimate. I would actually just delete the email and move on.

May 15, 2023
3:35 am
savemoresaveoften
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Just set your account to be autodeposit for EFT. You have zero downside, never have to second guess if a email/deposit is legitimate or not, nothing you need to click on.
And even if someone did send money to you by mistake, they have to find a solution to get it back, not you.

May 15, 2023
6:35 am
AltaRed
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I agree with your first part. I use Autodeposit exclusively for that reason.

The second part is a bit trickier. Not sure I want to keep money that is not mine and I would not want to send a return e-transfer.

May 15, 2023
7:48 am
Winnie
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Thank you!
My conclusion.
It was a real Interac transfer most likely.
It was a mistake.
It was sent to someone else, not my name there, only my email address.
I did not deposited money, that is not mine.
I deleted that Interac email now.
Mistakes happens, no problem.

May 15, 2023
8:31 am
savemoresaveoften
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AltaRed said
The second part is a bit trickier. Not sure I want to keep money that is not mine and I would not want to send a return e-transfer.  

Its not about keeping money that is not mine. But for sure I wont initiate a etransfer to send the money back. Reason being you will never know if the original transaction will get reversed later on. Also by not responding to request to send it back, you dont even have to think whether its fraud or genuine. Whoever made the mistake (in this case the sender) have to own / fix one's own mistake.

May 15, 2023
8:52 am
Norman1
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Winnie said
Thank you!
My conclusion.
It was a real Interac transfer most likely.
It was a mistake.

It was scam.

I was able to get to a page with a URL that looks like

https://etransfer.interac.ca/RP.do?pID=░▒░▒░▒░▒&lvt=…

by clicking on the "Select a different financial institution" button in the e-mail for a real Interac e-transfer I had claimed previously.

That link is to an Interac Corporation page that says "Sorry, we were unable to process your request. This INTERAC e-Transfer has been deposited. (0002)"

Interac would not send a link to their already-deposited page in a notification of a transfer.

I think the scammer is tempting you to contact them and try to get that $4,400! Similar to those phishing phone calls I receive saying "This is your credit card company. We noticed a charge of $x from Amazon for {some specific items}. If you did not make this purchase, press '1' to speak to an agent. …"

May 16, 2023
7:26 am
Winnie
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Yes, Norman1, now I completely agree with you, it was scam.

Interac would not send a link to their already-deposited page in a notification of a transfer.

One more question.
If the scammer is tempting me to contact them and try to get that $4,400, how I would be able to contact that scammer?

Name is the only information about that scammer, no email address available.

Interac transfer notification, that I received, appears to be sent from interac site. Who knows how that scammer did that.
It also says that scammer is a customer of TD Bank.

So, how anybody would be able to contact that scammer?

May 16, 2023
7:46 am
Winnie
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I did Google search for that scammer TIBOR J CZEGLEDI and a few available, in Calgary, Ottawa, etc.

Also, I copied original email before deleting, here it is how it was written there exactly:

TIBOR J CZEGLEDI

This email was sent to you by Interac Corp., the owner of the Interac e-Transfer® service, on behalf of TIBOR J CZEGLEDI at TD Canada Trust.

Interac Corp.
P.O. Box 45, Toronto, Ontario M5J 2J1
http://www.interac.ca

May 16, 2023
8:37 am
Pewter
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I made that error a few months ago. I sent a interac transfer from BMO. I “resent” it using the correct email address. And all worked out.

May 16, 2023
8:26 pm
Norman1
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Winnie said

If the scammer is tempting me to contact them and try to get that $4,400, how I would be able to contact that scammer?

Name is the only information about that scammer, no email address available.

Interac transfer notification, that I received, appears to be sent from interac site. Who knows how that scammer did that.
It also says that scammer is a customer of TD Bank.

That transfer notification was not sent by Interac Corporation. It was likely an actual notification that was edited and then sent by the scammer. The scammer made a subtle error in editing some of the text. The error is visible in the image you posted.

Kind of like what scammers used to do with PayPal confirmations. Scammer would offer to pay for an item by PayPal. Scammer would then send the seller an e-mail that looked like a funds-deposited confirmation from PayPal. That's why PayPal started warning people not to rely on an e-mail notification of funds received. Instead, actually log into one's PayPal account to see if the funds have been received.

I suspect the e-mail address was available as the Reply-To address that would override the From address when someone tries to reply to the e-mail.

May 17, 2023
7:33 am
Winnie
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Norman1 said
I suspect the e-mail address was available as the Reply-To address that would override the From address when someone tries to reply to the e-mail.  

Good point. I forgot to check the Reply-To address before deleting email.

Norman1 said
That transfer notification was not sent by Interac Corporation. It was likely an actual notification that was edited and then sent by the scammer. The scammer made a subtle error in editing some of the text. The error is visible in the image you posted.
 

I agree with you.

May 17, 2023
9:00 am
bhuc
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SaverJunior said
Winnie, I think what you received is a scam. There is a daily limit of $3000 for e-transfer. The amount showing in the picture is over that. NO WAY.

Do not click on the button or links in the message or your computer might be infected with virus.  

It seems Meridian allows Interac e transfers of up to $5000 daily
Your Interac e-Transfer Limits

To protect you, rolling limits are applied to the amount of money you can send using Interac e-Transfer.
To protect you, rolling limits are applied to the amount of money you can send using Interac e-Transfer.
LIMITS PER TRANSFER 24 HOURS 7 DAYS 30 DAYS
Receiving $1 - $25,000 N/A N/A N/A
Sending $1 - $5,000 $5,000 $10,000 $20,000
Requesting $10 - $3,000 N/A N/A N/A

May 17, 2023
11:23 am
SaverJunior
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bhuc said
It seems Meridian allows Interac e transfers of up to $5000 daily
 

The bank involved in this scam is TD Canada Trust which permits only up to $3000 per e-transfer and per day. No doubt Winnie's been phished.

July 7, 2024
4:03 pm
LoriR
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This is an e-transfer notice/reminder that I get repeatedly, always from the same person and addressed to the same person (not me), but my email address. This is not my e-transfer address or it would have been auto-deposited if real. I've replied to the email given saying they have the wrong email, but they keep coming.
This is the link (I've put x's on the last 6 digits for security). I've never clicked on the link:
https://etransfer.interac.ca/CAtZGD9k/98EFA03933A86492FF784C7F6AA381FD3A665BBAEC1773301ABAD4718Exxxxxx

July 8, 2024
4:08 am
savemoresaveoften
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LoriR said
This is an e-transfer notice/reminder that I get repeatedly, always from the same person and addressed to the same person (not me), but my email address. This is not my e-transfer address or it would have been auto-deposited if real. I've replied to the email given saying they have the wrong email, but they keep coming.
This is the link (I've put x's on the last 6 digits for security). I've never clicked on the link:
https://etransfer.interac.ca/CAtZGD9k/98EFA03933A86492FF784C7F6AA381FD3A665BBAEC1773301ABAD4718Exxxxxx  

phishing email, even clicking on the link is fine as long as u dont actually select the FI and then proceed with putting in ur acct login info.

On the other hand, any unknown text msg u rec on the phone, just delete it without clicking or replying. Even te one that says reply "1" to decline / stop may actually get u to subscribe to some unknown service and its damn hard to try to cancel it afterwards. Your telecom wont do anything and keep billing u on behalf of the 3rd party. My 85 years old inlaw click by mistake and subscribed to some online gaming platform. Ended up paying 2 months of $11 each before finally able to cancel it after lots of effort. Telus cant reverse the charge other than providing the service provider contact info and have to contact the service provider direct to sort it out.

July 8, 2024
6:00 am
Alexandre
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savemoresaveoften said

phishing email, even clicking on the link is fine as long as u dont actually select the FI and then proceed with putting in ur acct login info.

It is not fine. Clicking on the link from phishing email may end with spyware or virus installed on your computer. Google "drive-by downloads" for more info.

July 8, 2024
11:21 am
HermanH
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Alexandre said

savemoresaveoften said phishing email, even clicking on the link is fine as long as u dont actually select the FI and then proceed with putting in ur acct login info.

It is not fine. Clicking on the link from phishing email may end with spyware or virus installed on your computer. Google "drive-by downloads" for more info.  

Bingo. sf-smile

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