Bank just credited 1.5M in my account and its not Mine!

[fireblade]

Checked my account before I left the Philippines last March 14 with a big bank based in Makati. I am in New Jersey right now for a client visit and some family time. Checked the same account using my ATM as it has international access cirrus and bang, my account is bloated by 1.5M pesos!!!! ****, what do I do?

Tried calling their 1800 number but their toll free number is not working anymore. I know that the bank is closed and it is the Holy Week there and this will not be attended to until Monday of next week. I will be going home by first week of April and so it will take time before I can talk to someone face to face.

If you are in my place, what will you do?

I kept all the receipt with me and the ATM that I used here is through Capitol One.

[userfriendly]

Sayo pala napunta yung pera ko! Pls return it to me.

[hungryalien]

withdraw mo na yan..

[blacksun25]

balato naman!

[chilli]

Just try to return it bro... Besides its not yours, for me ha, I am not being saint or something pero scary kasi if gagalawin mo yung pera. Baka if balikan ka ng bank and di mo maibalik yan, definitely alam mo na siguro yung consequence. And also, baka yung totoong may ari ng pera na yan needs that money for something very important, e.g. operation and the likes.

[[archie]]

you did not ask for the money and the bank did not contact you or even get the money back... so its yours na. id say get the money...

[yebo]

exactly the same thing happend to me once with PNB. my dollar account suddenly had $175K extra. at the exchange rate at that time of P25/1$ then it was P4,375,000 bonus!

i had 2 choices.

1. keep quiet, let time pass, using the passbook until it runs out of pages and then have to be replaced, and only then will i widraw from that $175k. my reasoning was if they do not say anything in 1 year, then nobody will notice it anymore.

2. inform the bank. it's not just being honest, it is also being safe. i do not think any amount is worth my freedom. remember the mellon bank case where the mellon bank in the US remitted $20M to a bank account but it was suppose to be only $20k? the couple went to jail.

i chose option 2. i told my mother to inform PNB (i was overseas at the time, too) and pnb eventually found to which account it was suppose to go to. pnb said later that i could have done option 1 and they would not notice it, since the other account also was creditted with the same amount at the same time and the account owner would not have complained. but then, it may be different in your case.

[Blowfish64]

Mapa-Balance Inquiry o Withdraw pa man ang gawin mo, malalaman pa rin ng Bangko kung ano ang ginagawa mo.

Pero kung ano man ang gusto mong gawin, nasa sa iyo na iyon... At pag winidraw mo ang pera, heto ang bank account number ko.

RCBC Account No. 73-1232-1003 HO Branch.

Paki-remit mo naman sa account ko kahit P20 lang. Para may pantaya ako sa SuperLotto 6/49! 207 M Pesos na ang magiging Jackpot prize sa Huwebes, March 27, 2008.

Di bale pag tumama ako, ako na ang magbabalik ng 1.5 Million sa Bangko. Okey ba?

[fireblade]

Admittedly, I had a good sleep last night and have concluded to just call the bank and report the discrepancy. I called my local bank (sana man lang refund niyo ako sa pagtawag sa inyo !!!!) and told them about the glitch. Gave them all the details and bang, got an explanation which I find reasonable. The bank here in the US which is Capitol 1 did not convert the peso account to its dollar equivalent. Meaning there was a 1 = 1 conversion and they will notify Capitol 1 immediately. I also sent an email to Capitol 1 to call their attention and gave them my contact details.

Here is the email :

Good morning.


I had a transaction earlier with one of your ATMs here in Bergenfield NJ and i was most surprised with what I saw. The balance transaction receipt says that I have at least $ 37,610.00 or about $ 36,000 more than my expected balance. I could have easily withdrawn a portion but I opted not to as this is not mine. Your bank made the mistake of not converting my account from a bank overseas to US currency in the right manner. I called my bank in the Philippines and the amount is correct but the currency is not. Meaning, the amount was not converted to USD properly. I am calling your attention so as to avoid any inconvenience to both parties and for you to avoid losses. I know that this has happened before with some banks but I am not in the business of claiming what is not mine.

The transaction receipt is with me dated 3/19/08, time 9:17pm , terminal NFK482T and location is 20 Washington Ave Dumont.

I expect a reply from you soonest so I may proceed with my regular transaction.
I am here in the US for business / vacation and currently staying with my brother. You may reach me through 201-3855218.

Best,


Bong Fajardo Jr.
President / General Manager
Call Center Learning Institute Corporation
P. 8905142 / 8905221 (Tel / Fax)
Mobile 0920-9001002 / 0922-8905142

Lets see how they will reply.

[fireblade]

Oh yeah, I just sold my car last March 14 or a day before I left the Philippines and I am on the lookout for a new purchase. Yes, it was sold through tsikot ads, thanks tsikot!

It just crossed my mind, the proceeds of my 05 Ford Escape transaction plus this amount.....my dream Ford Explorer (kahit di na Eddie Bauer!). But every time i will ride it, nah this is not mine.