New scam: Intentionally transferring money wrongly to force payment with high interest rate

Hanoi City police recently issued a warning about a new scam: fake money transfers to force high interest rates.

New scam

Specifically, the bad guy, after obtaining some personal information of the user such as: Name, age, phone number or address… will intentionally transfer a wrong amount of money to the victim. The bad guy will then pretend to be a debt collector of a financial company contacting the user to ask them to pay back the other money as a loan along with exorbitant interest.

A user named A said that one day her account suddenly received more than 45 million dong, along with very confusing attachments. Then, a strange zalo account, actively befriended her and announced that she had been disbursed by a financial company. Accordingly, Ms. A suddenly became a “debtor” of this company. Ms. A went to the police station to report the incident and handed over the entire amount to the police for settlement.

The bad object, after knowing that the fraud was unsuccessful, repeatedly sent threatening messages to Ms. A.


Another case is a woman named D living in Hanoi suddenly received 20 million dong in her bank account, with the content “Mrs D borrowed”. After that, a person claiming to be the account holder called Ms. D and said that the wrong money had been transferred. This person said that the wrongly transferred money was used to do surgery for the child and needed it urgently, so he repeatedly asked to be transferred back.

However, when she received a request for a confirmation from the bank that she was the correct account holder, then Ms. D transferred it back, and this person “disappeared”.

After that, Ms. D went to the bank to check and learned that the person who had mistakenly transferred the money to her was Luong Van Thanh, transferring money from Vietcombank with the content: “Lend D for a period of 45 days”.

According to the bank’s explanation, after 45 days, that account holder will appear and demand Ms. D to pay an amount of VND 20 million with a “heavenly” interest rate because there is evidence of money transfer on the phone. .

Unlucky like the two cases above, Mr. T in Hoang Mai, Hanoi lost a sum of money when he returned the money to the “wrong person”. Before that, his account also received more than 2 million dong and a woman called to ask for a refund because of the wrong transfer.

This person said that he was abroad, so he sent him a link to ask him to log in to the international money transfer service. Mr. T followed and later discovered that tens of millions of dong in his account had been withdrawn.

Transferring money to the wrong account is a sophisticated scam. If the person receiving the money returns the money to the “wrong” person, it is very easy to be scammed and lose all the money in the account. If you do not transfer, when the payment is due, the account holder who has transferred the wrong money will appear and ask the recipient to pay with a high interest rate. At that time, because the transfer information was saved on the phone and there were documents at the bank, it was very difficult to refuse.

What to do when you receive the wrong money in your account?

According to Articles 228, 230, 579 of the Civil Code 2015, when you accidentally receive a strange amount of money from someone who has never had a relationship with you and has not had any transactions with them related to this money, then the recipient is considered to be possessing the property without a legal basis. Therefore, the recipient must return the money to the owner or hand it over to the nearest People’s Committee or Police of the commune or ward in order to publicly notify the owner to receive it back.

Hanoi Police recommends that account holders, when suddenly receiving a “wrong” amount of money, follow the instructions below to avoid possible risks and inconveniences.

Do not use that money for personal expenses. In this case, people can actively contact the bank to notify or have a bank representative contact to work if it is a real mistake.

With a small amount, the account holder can contact the bank and request a statement, then compare with the information received and proceed to transfer. With a large amount, the account holder should go directly to the bank branch to verify or report to the police for settlement.

To avoid trouble later, absolutely do not transfer money back to strangers without a third party witnessing. Wait for the bank to settle, but do not transfer money to another account than the one that was transferred to you.

When you receive a phone call from the bank, it is necessary to check that it is the correct phone number of the bank. The account holder should go to the bank to work directly to be sure.

Absolutely do not give OTP code, username, password of bank account to anyone, including bank staff or authorities.


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