What happened when Aunt Kelly of Luzhou inexplicably wanted to refund 490,000 yuan and was rejected by the bank?

When this happens, it's time to test your quality!

What will you do if the bank card balance is nearly 50 thousand yuan? Yesterday (27th), Aunt Luo, who lives in Naxi District of Luzhou City, encountered such a thing. "How did this money come from?" In the face of this windfall, Aunt Luo was not happy at all: she took the initiative to find the bank twice and said that the money was wrong, but she was told by the other party that "the bank can't be wrong"; When the bank found out that it was really a mistake in her work, Aunt Luo had to come to the bank for the fourth time and returned the money to the other party.

Operational details

The bank card is nearly 50 thousand yuan more. Aunt is nervous.

After Aunt Luo, who lives in Naxi, retired, the unit applied for a salary card. Last year, when doing business in the bank, Aunt Luo merged the fixed passbook into the bank card at the suggestion of the bank staff and applied for a one-card card.

"The fixed passbook and salary are all on one card, which is really convenient." Aunt Luo said, but the balance of this card only shows the current period, and the regular balance can only be inquired in the bank.

On the morning of February 27th, around 10, Aunt Luo came to a bank in Dashanping, Luzhou to withdraw time deposits. "This card is a salary card, and you often withdraw money. I don't know how much balance there is in the current period, and it should not be much. " Aunt Luo told Sichuan News Network that she has two fixed deposit books, one is 1.5 million and the other is 90,000.

Because there is no appointment, according to the regulations, depositors can't withdraw more than 50 thousand on the same day. "So I took out all the installments of 1.5 million, and then took out 34,000 from the installment of 90,000, and the two sums added up to 49,000."

After returning home, Aunt Luo hasn't had time to read the bank messages on her mobile phone. It doesn't matter if you don't look. Shocking. It turned out that the short message sent by the bank showed that the balance was 49,232.25 yuan, which surprised Aunt Luo and puzzled her. "How can there be so much money?" Aunt Luo said that if you have your own current deposit, of course not so much; If it is your own regular balance, it should be 56,000, which is less than 6,000. Because there is no regular balance in the text message, Aunt Luo is not sure which account the money is in. "It can only be an extra huge sum in the current period." This "windfall" not only did not make Aunt Luo happy, but became nervous. Aunt Luo said that she often watches legal programs and knows that this kind of "unjust enrichment" may get into trouble.

Two questions about banks "can't be wrong"

"Is it the money remitted by the children or the money remitted by relatives?" Aunt Luo next to her answered the phone, ruling out the possibility of acquaintances sending money to themselves. "Did someone lose the wrong account when remittance? Then how anxious others should be. " Therefore, Aunt Luo called the customer service of the bank to inform the situation, and the answer was that the bank could not be wrong.

This did not calm Aunt Luo down. Yesterday, after 1 1, Aunt Luo came to the bank for the second time and wanted to know about the situation. According to the bank self-service inquiry machine, Aunt Luo's regular balance is still 56,000 yuan, but the current balance is still 49,232.25 yuan. "I have more than 40,000 yuan on my card. Please check it. " Aunt Luo called the staff and told her the situation. The answer you can get is "the bank can't be wrong."

There is no way. Aunt Luo came home and told her family about the situation. The family feels incredible, too. Accompanied by her daughter, Aunt Luo came to the bank for the third time. "My daughter was afraid that I was wrong, so I came to the bank to check the deposit balance. I felt very embarrassed."

I went to the bank for the fourth time and finally finished the refund procedure.

Fourth aunt went to the bank to ask for a refund.

After noon, when the family discussed preparing for the alarm, they received a phone call from a staff member of the bank and said, "Sorry, the bank made a mistake. Please go to the bank. "

"I clearly reminded the bank to call for inspection. They are right. How can they be wrong now? " What the hell is going on here? At 4 o'clock yesterday afternoon, the reporter accompanied Aunt Luo to the bank. This is my aunt's fourth visit to the bank. After coming to the bank, the key account manager on the second floor received Aunt Luo. After some inquiries, the bank handled the loan business from Aunt Luo's bank card, and the final current balance showed only 200 yuan. "I finally returned the money." At 5 o'clock in the afternoon, Aunt Luo breathed a sigh of relief.

Bank: Apologize to depositors because of work mistakes.

How did the bank go wrong and how did it find out? The reporter interviewed Wei Shi, vice president of the bank. "Aunt Luo is full-term, and the bank will regularly transfer to the bank card and give the cash to the aunt. But in fact, banks should also debit and credit cards. The latter set of work was not completed. " Wei Shi told reporters that it was indeed a mistake in the bank's work, which caused the aunt inconvenience and apologized again and again. "When the staff found something wrong, they contacted the aunt in time. Aunt called the customer service for consultation and settlement, and the staff did not understand the situation clearly. "

Wei Shi went on to explain that all-in-one cards regard the previous fixed passbook as the sub-card of the debit card, and the debit card is the main account. To withdraw money from the sub-card, you must transfer money to the main card first, and then withdraw money from the main card. "If depositors have questions, it is best to consult the outlets that handle business. If they call unified customer service and don't know the specific situation, there will be an unclear explanation. "