转帐转错帐号,真的只能自认倒楣吗?

我是DBS Bank 15年以来忠实的顾客。不过,最近我遇到了一件事情让我对DBS 很失望:

我不小心转了100块去一个错误的帐户,当我发现的时候已经晚了,转帐操作已经结束了。然后我就打去DBS的服务热线寻求帮助,我被告知我需要留住转帐的收据然后去最近的DBS分行去填一些表格。不过当下已经很晚了,所以我决定第二天才去银行处理这件事。

dbs issue
第二天早上,我去到分行然后去柜台告知柜台的工作人员前一天所发生的事情。他查了我的转帐收据,我的身份证还有其他所需资料,然后就叫我填一个表格。然后我就被柜台工作人员告知银行需要得到我转帐去错误户口的那个户口主人的批准,银行才能把转错的那100块还回去我的帐户。

2周过后,我收到DBS寄来的信。信上讲:“我们很抱歉地通知您,由于我们尽力通过各种方式去联系那个我错误转帐的户口主人,但都没有收到那个主人的任何回复,所以银行不能为您进一步解决这件事情。”
我看完这封信以后,我非常生气然后就打去银行问为什么会这个样子。接下来,得到的答案也是和信上说的一样。我觉得疑问,为什么银行这么专业的机构都不能帮我解决这件事情。

DBS

问题:
1.我怎么知道银行有试着用尽各种方式和那个户口主人联系?除了用邮件和电话的方式,难道就没有其他的办法了吗?
2.银行为什么不能在我打电话给银行的12小时以内冻结那转帐的金额?因为当我发现转错钱以后打给银行不超过10分钟。
3.为什么没有至少有户口主人的名字出现在ATM的屏幕上,再次让我确认转帐方的户口名?这样会减少出错的机率。

我是一个有五个孩子家庭的主要家庭支撑, 100块钱对于我来讲不是一个小的数目,更糟的是,现在那100块在一个都不知道是谁的人的手里。在这样不安的情况下,我不禁怀疑,如果这件事情发生在转错了一笔巨额款项的情况,银行会采取同样的解决措施吗?会不会收到钱的人会兴高采烈地拿走那1000块? 10000块?

坦白讲,我对DBS非常非常地失望,想起DBS的口号“服务于亲邻第一,银行业者才是第二”, 我觉得这一点意义都没有!

#以上是www.nextsingapo.com原创翻译

I’ve been a loyal DBS bank customer for the past 15 years but, as of recently, i feel that I’ve erred for one too many.

I’d transfered $ 100 to a wrong account but only realised it when I’ve completed the said transaction. I then called the DBS hotline to assist me during which, I was told to keep the transaction receipt & proceed to the nearest branch to fill up some forms the next day as it was already late in the evening. I happilly adhered because this seemed like good news.

dbs store

On the morning that followed, I’d proceeded to the branch & informed the counter-personnel about what had happened. After checking my transaction receipt, my ID & etc I was instructed to fill a form up. The
counter-personnel then proceeded to tell me that the bank will request the recipient account holder’s approval to reverse the credit from his / her account.

After about 2 weeks after that, I’d received a letter from DBS stating that they, unfortunately, have not received any response from the recipient account holder, despite their repeated attemps to contact the aforementioned person by phone & mail. Since the account holder’s authorisation is necessary for them (DBS BANK) to proceed, they, on another unfortunate note, would not be able to pursue this matter any futher.

I’m sure it would be understood that i was mildly upset with this news and hence called the bank for further clarification. I was, however, given the very same explanation, if not word for word. When I’d asked for the recipient’s details, I was dutifully informed that such information was exclusive to the bank and not privy to the general public.

Now I raise my question (s);

How would I know that the bank had tried to contact the recipient, whether by phone or mail?
Is that all the bank can do?

Could not the Bank freeze the amount which was transferred within the 12hrs after I’ve made the first phone-call, which, it is best to note, was no more than 10min after the mistaken transaction?

DBS

Would not it be best to, at least, have the recipient’s name displayed just after a customer enters the intended account number on the ATM before any transactions are confirmed? It would be another step to minimise the margin of error.

Being a family-man of five children, i beseach whoever is concerned to understand that $ 100 is not a negligable amount for my household. What’s worse, the said amount is now in the hands of an unknown person.

In this upset state, i can not help but wonder if the amount had been considerably more. Would the same action (or inaction, rather) be exercised?

Would the “unreachable” person walk happily away with $ 1000? $ 10 000?

In all honesty, I am discouraged, disappointed and utterly distrustful of your recent slogan, “Neighbours First, Bankers Second,” for I see no neighbourly acts in this whole masquerade.

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