Re:Ask HN: What’s the deal with random people sending me mon...
by hedora on Saturday June 03, 2023 @09:53PM
(#36182287)
That’s less true than I used to think.
I once accidentally ACH debited the wrong person’s account at a different bank.
There was no real way for me to stop the transfer without doing extremely bad things involving having my bank report me to law enforcement.
So, I ended up sending the money back via a second transfer. That’s problematic, since the first transfer I performed was certainly unauthorized and could have been clawed back by my accidental victim (I trusted them, and I was 100% at fault, but that’s not the point.)
The whole experience was bad all around, and I thought ACH was designed to handle exactly this class of screw up.
I once accidentally ACH debited the wrong person’s account at a different bank.
There was no real way for me to stop the transfer without doing extremely bad things involving having my bank report me to law enforcement.
So, I ended up sending the money back via a second transfer. That’s problematic, since the first transfer I performed was certainly unauthorized and could have been clawed back by my accidental victim (I trusted them, and I was 100% at fault, but that’s not the point.)
The whole experience was bad all around, and I thought ACH was designed to handle exactly this class of screw up.