Paid someone else's credit card bill by mistake. EDIT - Now Resolved.

Spinnerr · 28th January 2015, 16:23

BHP-ians!

I made a folly, I unwittingly typed in the wrong credit card number while using a 3rd party service to repay my outstanding credit card bills; is there any way to recover that money? Any tips, directions is highly appreciated.

I have an SBI credit card; I have been using their ‘PayNet’ service to clear up credit. Unfortunately, during my last payment; I typed in the last 4 digits incorrectly.

I had the CC number & the pwd stored on my phone, by mistake I typed in the pwd as the last 4 digits instead of the CC number. And to my bad luck; there must have been such a card; my payment was accepted. I just realized my mistake when I got a reminder email about a pending CC payment.

I am outside India right now; so I am not able to dial into their helpline from my non-Indian phone number. I have dropped them an email with the details. Sad part is; the first page after clicking “Pay now” from the SBI card page is a disclaimer dissociating them from the 3rd party payment service.
Hoping to hear from them. In case, any of you have been through such a situation, plz do guide me as to how to go about recovering the amount.

Cant believe; I typed in the wrong details twice!!
Paynet makes us input the CC number twice; I must have just looked at the row above and repeated the numbers. Sheesh!!

Edit: Just figured out Paynet is powered by BillDesk. Reaching out to them as well.

nowwhat? · 28th January 2015, 19:50

Somehow I doubt that typing in the first 12 digits of your credit card and affixing the PIN will give you a valid credit card number as per the Luhn algorithm where the last digit is a check digit.

SBI takes time to reply via email, but they usually respond in 2 days. Their phone support is pathetic. Next time, please consider paying SBI via NEFT as that is far easier than using Paynet and of course you need to set it up only once.

honeybee · 28th January 2015, 20:15

It's a mistake the bank should help you rectify. Please ask someone in your family to talk to the SBI team for it.

Altocumulus · 28th January 2015, 20:22

The payment should get returned but it will take time !! In the mean time pay the minimum amount for your credit card bill or you will have late payment charges and it will hit your CIBIL score. The bank or CIBIL wont see that you paid a wrong card number.

Spinnerr · 29th January 2015, 09:36

Quote:

Originally Posted by nowwhat?

...number as per the Luhn algorithm where the last digit is a check digit.

Then I have some real bad luck in my favour....

I got an automated response with the issue ticket #.

Quote:

Originally Posted by honeybee

...Please ask someone in your family to talk to the SBI team for it.

Will wait for a day and try that. I am not sure how helpful the SBI guys would be when you enter a lot of personal details through their IVR and then say, "I am calling on behalf of xxxx". Worth a try; shall keep you posted.

Quote:

Originally Posted by Altocumulus

The payment should get returned but it will take time !! In the mean time pay the minimum amount for your credit card bill or you will have late payment charges and it will hit your CIBIL score. The bank or CIBIL wont see that you paid a wrong card number.

If the entered card number happens to be valid; would the payment still get returned? I doubt.

I did pay up; in fact the full amount. Last thing I want is additional interest being charged on pending amount. Trying to cut my losses in case this erroneous payment is going down the drain.

NetfreakBombay · 29th January 2015, 10:40

Quote:

Originally Posted by Spinnerr

Will wait for a day and try that. I am not sure how helpful the SBI guys would be when you enter a lot of personal details through their IVR and then say, "I am calling on behalf of xxxx". Worth a try; shall keep you posted.

call your family member in India then they can call SBI helpline and conference these two calls.

arnabchak · 29th January 2015, 16:15

This is going to take some time.
Pay the Minimum balance and wait for their revert.

You will need a combined effort from both Billdesk and SBI to credit the amount back into the account.

BTW,was it a high amount?
Next time, take extra care and avoid paying using the phone.

GTO · 29th January 2015, 16:19

Suggestion: For future payments, just add the credit card account as a payee in your online banking login. Once the number is entered correctly, from the next month onward, you only have to select the name and enter the amount.

No point manually entering the credit card number every month. Just leaves the door wide open for errors.

bond_bhai · 29th January 2015, 21:05

Well, I am not sure about Credit Cards, but if you do an NEFT (Money Transfer) to another account in error the only chance of getting it back if the account holder (to whom you accidentally transferred the amount to) agrees for a reversal. If the credit card works similar way, i guess its bad luck and hope the amount is not huge.

There was an article in one of the "Financial" Blogs related to this - http://www.jagoinvestor.com/2015/01/...k-account.html

condor · 29th January 2015, 21:48

Hope the amount wasnt much. Unless the system finds that the card num was invalid, and hence returns your money ,, I dont have much expectations from SBI Credit cards

honeybee · 29th January 2015, 22:13

Legally you should be able to get the money back. Someone who received it in error cannot claim it to be his/her, and the bank should help you get it back. The process for doing that may or may not be simple, but why don't you approach the bank and find out instead of we all speculating about it? You can't be the first person to make this mistake.

sajusherief · 30th January 2015, 08:10

Somehow I feel like your payment will be reverted back. How can the payment reach a person when the combination of CC number, Name and Card validity date has a mismatch.
In the mean time, as others said pay your real CC bill to avoid late fee and a bad credit history.

Spinnerr · 1st February 2015, 09:38

Thanks guys!

SBI customer service has responded positively; they are verifying the details, and will get back to me in a couple of days. Hope they don't point out the fine print and wash their hands off.

As advised, I did pay up the amount.
Registered the NEFT part. Future payments should be issue less. (Triple checked the card number).

Eagerly waiting for SBI cards response.

poised2drive · 2nd February 2015, 16:31

Do not worry . I had committed such blunder last year in the very same month of Jan. I wrongly entered my CITI card number and paid the amount through SBH and when I received a call about the pending bill, I realized my mistake.

When I complained to the bank authorities, they checked and were kind enough to let me know that all such amount first lands up in a pooling account and after 'verification' gets transferred to the ' valid' account. Since I entered an invalid number, it was easy and all I had to do was to write a letter and in a matter of 4-5 days, the amount was credited.

Spinnerr · 13th April 2015, 16:33

Update!!

I have got my money back. Required quite a bit of follow up and multiple levels of verifications. Maybe because I was doing most of it over email.
I got my money as of last month; the same is reflecting in this month's statement.

Case closed.

28th January 2015, 16:23	#1
Spinnerr BHPian Join Date: Feb 2007 Location: Bangalore Posts: 422 Thanked: 504 Times	Paid someone else's credit card bill by mistake. EDIT - Now Resolved. BHP-ians! I made a folly, I unwittingly typed in the wrong credit card number while using a 3rd party service to repay my outstanding credit card bills; is there any way to recover that money? Any tips, directions is highly appreciated. I have an SBI credit card; I have been using their ‘PayNet’ service to clear up credit. Unfortunately, during my last payment; I typed in the last 4 digits incorrectly. I had the CC number & the pwd stored on my phone, by mistake I typed in the pwd as the last 4 digits instead of the CC number. And to my bad luck; there must have been such a card; my payment was accepted. I just realized my mistake when I got a reminder email about a pending CC payment. I am outside India right now; so I am not able to dial into their helpline from my non-Indian phone number. I have dropped them an email with the details. Sad part is; the first page after clicking “Pay now” from the SBI card page is a disclaimer dissociating them from the 3rd party payment service. Hoping to hear from them. In case, any of you have been through such a situation, plz do guide me as to how to go about recovering the amount. Cant believe; I typed in the wrong details twice!! Paynet makes us input the CC number twice; I must have just looked at the row above and repeated the numbers. Sheesh!! Edit: Just figured out Paynet is powered by BillDesk. Reaching out to them as well.
	() Thanks

28th January 2015, 19:50	#2
nowwhat? BHPian Join Date: Apr 2009 Location: Bangalore Posts: 453 Thanked: 48 Times	re: Paid someone else's credit card bill by mistake Somehow I doubt that typing in the first 12 digits of your credit card and affixing the PIN will give you a valid credit card number as per the Luhn algorithm where the last digit is a check digit. SBI takes time to reply via email, but they usually respond in 2 days. Their phone support is pathetic. Next time, please consider paying SBI via NEFT as that is far easier than using Paynet and of course you need to set it up only once.
	() Thanks

28th January 2015, 20:15	#3
honeybee Senior - BHPian Join Date: Apr 2008 Location: Dombivli Posts: 3,056 Thanked: 2,142 Times View My Garage	It's a mistake the bank should help you rectify. Please ask someone in your family to talk to the SBI team for it.
	() Thanks

28th January 2015, 20:22	#4
Altocumulus Senior - BHPian Join Date: Jan 2012 Location: NCR/ KOL/ BLR Posts: 1,176 Thanked: 2,187 Times View My Garage	re: Paid someone else's credit card bill by mistake The payment should get returned but it will take time !! In the mean time pay the minimum amount for your credit card bill or you will have late payment charges and it will hit your CIBIL score. The bank or CIBIL wont see that you paid a wrong card number. Last edited by Altocumulus : 28th January 2015 at 20:23.
	() Thanks

29th January 2015, 16:15	#7
arnabchak Senior - BHPian Join Date: Sep 2009 Location: MH-04 Posts: 1,346 Thanked: 1,165 Times	Re: Paid someone else's credit card bill by mistake This is going to take some time. Pay the Minimum balance and wait for their revert. You will need a combined effort from both Billdesk and SBI to credit the amount back into the account. BTW,was it a high amount? Next time, take extra care and avoid paying using the phone.
	() Thanks

29th January 2015, 16:19	#8
GTO Team-BHP Support Join Date: Feb 2004 Location: Bombay Posts: 71,815 Thanked: 321,376 Times View My Garage	Re: Paid someone else's credit card bill by mistake Suggestion: For future payments, just add the credit card account as a payee in your online banking login. Once the number is entered correctly, from the next month onward, you only have to select the name and enter the amount. No point manually entering the credit card number every month. Just leaves the door wide open for errors.
	() Thanks

29th January 2015, 21:05	#9
bond_bhai BHPian Join Date: Aug 2007 Location: Bangalore Posts: 83 Thanked: 11 Times	Re: Paid someone else's credit card bill by mistake Well, I am not sure about Credit Cards, but if you do an NEFT (Money Transfer) to another account in error the only chance of getting it back if the account holder (to whom you accidentally transferred the amount to) agrees for a reversal. If the credit card works similar way, i guess its bad luck and hope the amount is not huge. There was an article in one of the "Financial" Blogs related to this - http://www.jagoinvestor.com/2015/01/...k-account.html
	() Thanks

29th January 2015, 21:48	#10
condor Distinguished - BHPian Join Date: Jun 2006 Location: Speed-brkr City Posts: 16,242 Thanked: 16,858 Times View My Garage	Re: Paid someone else's credit card bill by mistake Hope the amount wasnt much. Unless the system finds that the card num was invalid, and hence returns your money ,, I dont have much expectations from SBI Credit cards
	() Thanks

29th January 2015, 22:13	#11
honeybee Senior - BHPian Join Date: Apr 2008 Location: Dombivli Posts: 3,056 Thanked: 2,142 Times View My Garage	Legally you should be able to get the money back. Someone who received it in error cannot claim it to be his/her, and the bank should help you get it back. The process for doing that may or may not be simple, but why don't you approach the bank and find out instead of we all speculating about it? You can't be the first person to make this mistake.
	() Thanks

30th January 2015, 08:10	#12
sajusherief BHPian Join Date: Mar 2013 Location: Bangalore Posts: 176 Thanked: 81 Times	Re: Paid someone else's credit card bill by mistake Somehow I feel like your payment will be reverted back. How can the payment reach a person when the combination of CC number, Name and Card validity date has a mismatch. In the mean time, as others said pay your real CC bill to avoid late fee and a bad credit history.
	() Thanks

1st February 2015, 09:38	#13
Spinnerr BHPian Join Date: Feb 2007 Location: Bangalore Posts: 422 Thanked: 504 Times	Re: Paid someone else's credit card bill by mistake Thanks guys! SBI customer service has responded positively; they are verifying the details, and will get back to me in a couple of days. Hope they don't point out the fine print and wash their hands off. As advised, I did pay up the amount. Registered the NEFT part. Future payments should be issue less. (Triple checked the card number). Eagerly waiting for SBI cards response.
	() Thanks

2nd February 2015, 16:31	#14
poised2drive BHPian Join Date: Sep 2014 Location: Vijayawada-HYD Posts: 493 Thanked: 1,339 Times	Re: Paid someone else's credit card bill by mistake Do not worry . I had committed such blunder last year in the very same month of Jan. I wrongly entered my CITI card number and paid the amount through SBH and when I received a call about the pending bill, I realized my mistake. When I complained to the bank authorities, they checked and were kind enough to let me know that all such amount first lands up in a pooling account and after 'verification' gets transferred to the ' valid' account. Since I entered an invalid number, it was easy and all I had to do was to write a letter and in a matter of 4-5 days, the amount was credited.
	() Thanks

13th April 2015, 16:33	#15
Spinnerr BHPian Join Date: Feb 2007 Location: Bangalore Posts: 422 Thanked: 504 Times	Re: Paid someone else's credit card bill by mistake Update!! I have got my money back. Required quite a bit of follow up and multiple levels of verifications. Maybe because I was doing most of it over email. I got my money as of last month; the same is reflecting in this month's statement. Case closed.
	() Thanks