Possible scam with bank transfer payment?
Solvedboulouboulou1 -
Hello,
I sold a very expensive item on Leboncoin, I need to get paid by bank transfer, and then ship it.
Is there a risk that the buyer can recover the money once it's in my account? Can I be scammed?
It seems to me that there's no risk, unlike a payment by credit card (chargeback), a check (reporting a stolen check), PayPal/secure payment Leboncoin (the buyer says the package is empty).
Thank you in advance for your help!
Have a nice day!
5 answers
Hello,
There is a payment recall system, the Recall, but it is never guaranteed and is subject to a specific procedure with the bank. This is what the issuers of the payment will try in case of a duplicate payment, a technical error, or fraud (false bank details from the supplier, CEO fraud).
One must also be cautious, simply by reading their account statement. The buyer may say that they will make a transfer but deposit a check in your name at a branch of your bank as if you were cashing it. A check, of course, that will be rejected later.
Hello,
Did you provide a bank account details? That's where the risk mostly lies... A scam involves using it to set up a direct debit from your account.
In any case, don't hesitate to contact your bank!
Best regards
Hello,
To obtain a significant amount from someone, you either need a bank check, which can also be potentially dangerous (counterfeit, outside banking hours), or a bank account number.
It is common to provide a bank account number to someone; for it to be used to set up SEPA direct debits, one must also sign a SEPA mandate and prove their identity to the bank, meaning there is also a risk of identity theft in this regard.
Some time ago, I sold a high-value item (a motorcycle) via instant transfer, but the buyer only took it away in "hand delivery" after verifying the receipt of the transfer.
Otherwise, the situation is surprising on the part of the buyer, as nothing guarantees the delivery of the item once the amount has been cashed.
From a legal standpoint, and once the banking delay has passed (24-48h, which can also oppose an "instant" transaction), a transfer is not revocable unless it was an undue payment, which is not the case here legally.
Hello
Although quite rare, fraudulent transfers do exist.
Mechanism:
1- 'New account' fraud. The scammer manages to bypass protection measures and opens a bank account.
2- The 'ghost' account is then funded by stolen, altered checks, etc.
These are only detected when passing through the Clearing House (average delay 2 weeks, longer if exotic checks)
3- Fraudulent transfer(s) occur before the compromised nature of the checks is discovered.
At this point, the defrauded bank turns to the beneficiaries of the transfers..
See you later
