The Bank's App (Nat West) has sent a transfer to a stranger. Their error!

warby68

born_again said:

warby68 said:

Have you taken it to a formal complaint or have you asked for an investigation which could include it possibly being your son's error. The brief detail you've given about the Bank's response suggest they believe it was his error.
If his statment shows you as the payee and your statement shows non-receipt, that would be a good starting point for a formal complaint, especially if there is a 2nd £2 entry with the same narrative which did arrive within minutes.

OP can not take it to a complaint. As the issue is not with their bank account.
It would be for his son to complain as it is their account that has the issue.
But odds on human error and wrong payee picked.

 
I know, it was 'you' plural - OP seems to taking the lead.
I too think the odds are with human error but OP convinced otherwise.
However, the key questions are being avoided so suspect this isn't going anywhere.

ischris85

I received two small payments on Friday from a sender I do not recognise. I contacted TSB and after speaking to several people they said they will debit the amount on Monday and send it back. It's sad the not everyone would do the same. I appreciate this must be a stressful situation for the OP regardless of who is in the right or wrong.

born_again

ischris85 said:

I appreciate this must be a stressful situation for the OP regardless of who is in the right or wrong.

Stress should all be on the son. Who has to sort it out.

Blackbeard_of_Perranporth

sheramber said:

Blackbeard_of_Perranporth said:

In twenty years of transferring money between my bank and building society and back again, not once has a single penny gone missing. In fact, these days, I cannot set up a payee without access to my banks website, with phone confirmation to my mobile or home phone. Initial transfers are limited for a reason, and require further confirmation. My building society previously issued a cheque on a Saturday, but now only allow a transfer to my registered current account. It also requires confirmation prior to the transfer, on my phone.

i normally transfer up to five future sums in my accounts each month.

i await ops response as to whether their son actually did transfer the money. I suspect not.

Internet banker with the same password at.  Since 1999!

All vey  interesting but the OP has said his details were already saved on his son's app and th subsequent payment using the same information arrived okay.

Mine are not saved on App, but by the bank similar to my so for the mortgage. I cannot set up a payee on my app, only at their website. I would 3xpect NW to do the same.

MovingForwards

Blackbeard_of_Perranporth said:

sheramber said:

Blackbeard_of_Perranporth said:

In twenty years of transferring money between my bank and building society and back again, not once has a single penny gone missing. In fact, these days, I cannot set up a payee without access to my banks website, with phone confirmation to my mobile or home phone. Initial transfers are limited for a reason, and require further confirmation. My building society previously issued a cheque on a Saturday, but now only allow a transfer to my registered current account. It also requires confirmation prior to the transfer, on my phone.

i normally transfer up to five future sums in my accounts each month.

i await ops response as to whether their son actually did transfer the money. I suspect not.

Internet banker with the same password at.  Since 1999!

All vey  interesting but the OP has said his details were already saved on his son's app and th subsequent payment using the same information arrived okay.

Mine are not saved on App, but by the bank similar to my so for the mortgage. I cannot set up a payee on my app, only at their website. I would 3xpect NW to do the same.

You can make a payment to someone without having them set up in the app.
There is also the option to save the details for future use.
Payments can be made to them at other times via the app.
Payments are limited to £1k at a time, until a payment has been made to them via online banking.

I do set up new payees via the app and don't always go to online banking to make a payment to remove the £1k restriction, do make payments from the app and can also alter saved details, but that then brings the £1k restriction in again for that payment, a warning pops up that there's a £1k limit.

Haven't experienced anything like OPs son in all the years I've been using the app. 

SevenOfNine

Earlier this year I found NatWest a bit slippery to deal with when something went badly wrong on my mum's a/c (I have LPA so could sort it out). Passed from pillar to post between fraud dept & call centre several times over 2 days. Though the 'disappearing'  £999 was retrieved I raised a formal complaint, their mucking about had wasted time & caused stress.

The formal complaint was upheld, a small amount of compensation paid, the details of the 'would be' recipient of my mum's money was named, as was his Monzo Bank, as was his sort code and a/c number, presumably set up specifically to grab & run.  NatWest not remotely bothered by data protection!

Many helpful suggestions have been made over 4 pages, & some questions unanswered. If the son of OP isn't prepared to get the ball rolling with a formal complaint, then I suggest father & son suck up the loss.

eskbanker

SevenOfNine said:

Earlier this year I found NatWest a bit slippery to deal with when something went badly wrong on my mum's a/c (I have LPA so could sort it out). Passed from pillar to post between fraud dept & call centre several times over 2 days. Though the 'disappearing'  £999 was retrieved I raised a formal complaint, their mucking about had wasted time & caused stress.

The formal complaint was upheld, a small amount of compensation paid, the details of the 'would be' recipient of my mum's money was named, as was his Monzo Bank, as was his sort code and a/c number, presumably set up specifically to grab & run.  NatWest not remotely bothered by data protection!

Does your reference to the fraud department and the 'grab & run' imply that yours was a different scenario, involving an authorised push payment scam or similar, rather than a simple inadvertent misdirected payment?  I still wouldn't see it as appropriate for NatWest to disclose personal data though, but in the misdirected payment scenario I don't believe they necessarily get to find out the name of the recipient, although the account details are known to the sender already (unless all versions of OP's son's statements really do show OP as the recipient).