Bangkok Bank Problem need advice

[problemfarang]

Hi guys,

i had a very interesting situation with bangkok bank. And i really need some advice on this matter.

 

This morning i got my salary but some how i got double paid! the transfer is auto. Came to my account morning. Talked with other people at the work and they said that same thing happened to them too. WOW. obviously account gave the payment order 2 times. Not a big deal. i mean its obvious that money will stay in my bank account. 

 

Then this afternoon around 4pm suddenly Bangkok bank took back the 1 month salary from my bank account without any warning.. call.. sms.. just transfer 1 month amount from my account.. just like that. I checked the financal movement in my bank account via mobile app, and it was saying PURCHASE OF GOODS! i was like <deleted>, what did i buy? from all people at work too. 

 

Called the Bangkok bank call center. I told them whats going on. They explained me i have paid 2 times. Well ok i know that but HOW DARE you can play with my bank account without telling me? and giving a reason for purchase goods? really? The worst scenario how i can prove to my work that i dont have the money anymore?! Or forget about anything... how can they take back that money without my permission! who gave the authority to them! If im not mistaken, even some transfer accidently happen, still they need to tell me or notify me. and what about the transaction reason: purchase goods?! Well.. lady told me she is taking this to her supervisor and he/she will call me back. im waiting.

 

So i was wondering if they can do that or not? or other comments?

 

thanks

[metisdead]

Moving to the Banking forum. 

[ozfarang]

The banking system is well below world standards regards regulation and general banking practices.

You only have to look at their pathetic web sites and ancient ATM's to realise how much they need to improve to to catch up to the rest of the countries in Asia. 

Also many people with serious money in Thailand, (Thai hi-o's) have overseas accounts, why would that be?

Not tax avoidance

 

[Upnotover]

Did you immediately call them to complain when they double paid you?

[LarrySR]

Need advice? Try to relax. 

 

 

 

 

[worgeordie]

Not your  money , they took it back before you could spend it.

regards worgeordie

[scubascuba3]

Drama about nothing, they took back the money not due to you, move on

[tonray]

46 minutes ago, problemfarang said:

ok i know that but HOW DARE you can play with my bank account without telling me?

When you signed the direct deposit agreement....it says they can do exactloy that....you failed to read what you signed.

[Ralf001]

Your employer requested a reversal of the second transfer.

 

whats the issue.... did you speak to your employer ?

[OJAS]

22 minutes ago, Ralf001 said:

did you speak to your employer ?

Indeed, it's these bungling incompetent cretins who are to blame rather than Bangkok Bank in this particular instance, I think.

 

[FritsSikkink]

They corrected the mistake before people could steal it.

[problemfarang]

5 hours ago, Upnotover said:

Did you immediately call them to complain when they double paid you?

I did call my work if it will make you feel better to know

[problemfarang]

Well basically no proper reply to my main question and just trolling or playing around..

 

At this point ì dont feel safe with bangkok bank because they can play with my account as they wish.

 

Even my employer requested retransfer the transaction reason they put is nonsense i dont understand why people cant see it. Why they dont say re-transaction.. or something better than purchase goods??!! If you guys feel ok or feel its good time to joke.. then sorry for you guys.

 

Also correct me if im wrong but bank law says they can freeze my account only with police order OR do a transaction like this without my acknowledge. 

 

Im not going to make this a big issue or like that, but my point is the way they did this was really not ok and i think not legal.

 

As i said we all know somehow they will ask this money back.. but not like this. 

 

Im moving to kasikorn. Its a great bank

[problemfarang]

5 hours ago, tonray said:

When you signed the direct deposit agreement....it says they can do exactloy that....you failed to read what you signed.

Which section is that?

[problemfarang]

5 hours ago, Ralf001 said:

Your employer requested a reversal of the second transfer.

 

whats the issue.... did you speak to your employer ?

Sure i did.

Its normal they asked for that but the bank didnt notify me or call me or else plus at my mobile app i see they wrote purchased goods. So.. what did i purchased? Where when what? If my employer says tomorrow guys we need an evidence that you dont have that money anymore, should i show the transection saying purchased goods? Really? Is this the best bangkok bank can do?

[problemfarang]

I think everyone should understand that im not complaining or doing drama about the bank took the money back or else. I have no problem with this. Its as expected.

My point is the way they did it. I dont understand why people can feel its ok about this. 

[LarrySR]

You need to send this bank a firm message and teach them a lesson about the consequences of poor customer service. 
Get in your car, put on the seatbelt, roll up the windows and drive thru the banks front window at high speed. 
 

 

 

[Ralf001]

3 hours ago, problemfarang said:

I think everyone should understand that im not complaining or doing drama about the bank took the money back or else. I have no problem with this. Its as expected.

My point is the way they did it. I dont understand why people can feel its ok about this. 

Do you think they should have taken you our for a meal and begged for permission to return the money to its rightful owner ?

[Crossy]

I had a double deposit a couple of times in the UK. UK employer, UK bank. They simply reversed the deposit and it appeared on my statement as "Correction".

 

Note that the bank didn't call me or anything, they just fixed the error, no drama, no worry.

 

I agree that tagging it as "Purchase of Goods" is counter-intuitive.

[LarrySR]

59 minutes ago, Crossy said:

I had a double deposit a couple of times in the UK. UK employer, UK bank. They simply reversed the deposit and it appeared on my statement as "Correction".

 

Note that the bank didn't call me or anything, they just fixed the error, no drama, no worry.

 

I agree that tagging it as "Purchase of Goods" is counter-intuitive.

Tagging the transaction "Correction" would be admitting a mistake. 

[tonray]

5 hours ago, problemfarang said:

Which section is that?

When you gave your emp;loyer your account number for direct deposit you signed a paper.....read the details of the Bangkok Bank Direct Deposit Application agreement.

[problemfarang]

3 hours ago, LarrySR said:

You need to send this bank a firm message and teach them a lesson about the consequences of poor customer service. 
Get in your car, put on the seatbelt, roll up the windows and drive thru the banks front window at high speed. 
 

 

 

Will do that. Should i use the horn as well?

[problemfarang]

1 hour ago, tonray said:

When you gave your emp;loyer your account number for direct deposit you signed a paper.....read the details of the Bangkok Bank Direct Deposit Application agreement.

Nope didnt signed any paper. Just my bank account no.

[problemfarang]

3 hours ago, Ralf001 said:

Do you think they should have taken you our for a meal and begged for permission to return the money to its rightful owner ?

No. But saying re-transaction or something like that in the reqson would be nice instead of purchasing goods

[problemfarang]

2 hours ago, Crossy said:

I had a double deposit a couple of times in the UK. UK employer, UK bank. They simply reversed the deposit and it appeared on my statement as "Correction".

 

Note that the bank didn't call me or anything, they just fixed the error, no drama, no worry.

 

I agree that tagging it as "Purchase of Goods" is counter-intuitive.

Yes.. that was all i tried to explain here. Thnx

[Tracyb]

Suggest you check with the others who told you they were also paid twice.  Ask if the deposit was reversed and what the reason was that is shown on their account.  
 

you should notify your employer of the situation and include all of the facts.  Put it in writing to the employer.  Create a paper trail and then….relax!

[CrunchWrapSupreme]

12 hours ago, ozfarang said:

Also many people with serious money in Thailand, (Thai hi-o's) have overseas accounts, why would that be?

I remember years ago this huge Citibank ad near their office in Asok BKK. On it a lovely, superstar looking lady, elegant dress, on her way to some important destination, Citibank credit card in her hand. On it her name could clearly be seen, Thai first name, English surname from the rich farang husband. Ah, the dream.

[tonray]

19 minutes ago, problemfarang said:

Nope didnt signed any paper. Just my bank account no.

Well then report to the bank that someone has been putting money into your account every month without your approval and you want it to stop immediately !

[Dante99]

Why do do many people who have "problems" like this end up in Thailand?  The country seems to be a magnet for them.

[malt25]

6 hours ago, problemfarang said:

I think everyone should understand that im not complaining or doing drama about the bank took the money back or else. I have no problem with this. Its as expected.

My point is the way they did it. I dont understand why people can feel its ok about this. 

You are in LOS. You don't have to like things, you just have to accept them !