Credit union paid to different account (not mine)

Hi,

I set up online banking with my local credit union in November. I gave them my banking details through my banking app.

I went to use it on Tuesday night and just to be safe I sent 1 euro.

It didn't appear in my bank account. So I logged onto the credit union app and was shocked to see that the payee details I had originally given, were different than mine.... What if I had transferred a bigger transaction.

Anyways I've rang the credit union and I'm getting nowhere as they don't want to believe that it's not my account, I have told them my account details and still getting nowhere..

What can I do about this?

celticbhoyro said:

I gave them my banking details through my banking app.

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What exactly does this mean?

celticbhoyro said:

What can I do about this?

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Can't you use the CU app or desktop site to correct the registered external account details?

ClubMan said:

What exactly does this mean?

Can't you use the CU app or desktop site to correct the registered external account details?

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I gave them my aib details for my payee details ( just in case I ever needed to transfer my money).

They told me to call in to correct details.

My query is about this other account and what do I do to get money back, or if I had sent more, why are the credit union refusing to listen to me when I think they have made the mistake.

Is the other account totally different bank/number/sort code etc or is there anything similar to your own account? Sometimes an error on sort code can find a valid account in a different bank.

The AIB account details you added did you manually enter the IBAN yourself via the app or did you provide them to the CU who entered them on your behalf?

Does the wrong account details match any of your AIB payees?

celticbhoyro said:

I gave them my aib details for my payee details ( just in case I ever needed to transfer my money).

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So you didn't provide your bank details through your online banking app but rather manually?

celticbhoyro said:

They told me to call in to correct details.

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Why can't you register these yourself using the CU online banking app/website? Doesn't it provide that option? Or can payees only be set up by calling the CU and doing this manually?

celticbhoyro said:

My query is about this other account and what do I do to get money back, or if I had sent more, why are the credit union refusing to listen to me when I think they have made the mistake.

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You may need to contact the receiving bank but is it worth it for €1?

Call into your credit union with all your paperwork, your ID, your CU details and your bank details. They should be able to rectify the error (maybe they were setting up two at the same time and got them mixed up, who knows.). Then ask the CU to refund you the €1 you are down.

If they refuse at the desk then ask for the manager, they should have the power to refund the €1.

You are right to bring this to the attention of the CU if the error occurred on their side as they will be able to investigate if this is a process they need more rigour around or if it is a sign of internal fraud. Or perhaps you entered all the account details yourself and got some digits mixed up? If this is happening to sufficient CU customers they might disable that feature in the app and require their members to do this in the office in future.

Hi, all

Thanks for responding, so I have gone into credit union and they are still insisting it must be me that made the mistake.

I know I didn't, so I'm now wondering who do I complain to, is there a regulator.

celticbhoyro said:

Hi, all

Thanks for responding, so I have gone into credit union and they are still insisting it must be me that made the mistake.

I know I didn't, so I'm now wondering who do I complain to, is there a regulator.

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Tell us excactly what happened. It's not at all clear whether it was you, the credit union or someone else who set up the payee.

24601 said:

Tell us excactly what happened. It's not at all clear whether it was you, the credit union or someone else who set up the payee.

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Totally agree. That's why I asked about the process of setting up the payee account twice already... Other questions which might clarify matters have also been studiously ignored which doesn't help...