What to do if you are on a receiving end of Interac transfer sent to the wrong email address? | Page 2 | General financial discussion | Discussion forum

When in doubt, don't click on anything. Contact your bank or financial institution. And get the names of those you deal with.
RetirEd

Address etransfer.interac.ca is real. But, the rest of the URL doesn't look right.

I had a look at one of my real Interac e-transfer notifications. Neither link in the notification resembles that.

The links look like the following, where ░▒░▒░▒░▒ is the unique payment key:

https://etransfer.interac.ca/redirectFromShortcutToFi.do?pID=░▒░▒░▒░▒&…
https://etransfer.interac.ca/░▒░▒░▒░▒/…

I would either put the e-mail aside for a month or delete it. I would not bother contacting the sender if I did not know him or her.

If it was an actual Interac e-transfer, the e-transfer will expire in a month. The sender will then receive notification of the expiry and be able to retrieve his/her funds from the unclaimed e-transfer.

Just set your account to be autodeposit for EFT. You have zero downside, never have to second guess if a email/deposit is legitimate or not, nothing you need to click on.
And even if someone did send money to you by mistake, they have to find a solution to get it back, not you.

Thank you!
My conclusion.
It was a real Interac transfer most likely.
It was a mistake.
It was sent to someone else, not my name there, only my email address.
I did not deposited money, that is not mine.
I deleted that Interac email now.
Mistakes happens, no problem.

Winnie said
Thank you!
My conclusion.
It was a real Interac transfer most likely.
It was a mistake.
…

It was scam.

I was able to get to a page with a URL that looks like

https://etransfer.interac.ca/RP.do?pID=░▒░▒░▒░▒&lvt=…

by clicking on the "Select a different financial institution" button in the e-mail for a real Interac e-transfer I had claimed previously.

That link is to an Interac Corporation page that says "Sorry, we were unable to process your request. This INTERAC e-Transfer has been deposited. (0002)"

Interac would not send a link to their already-deposited page in a notification of a transfer.

I think the scammer is tempting you to contact them and try to get that $4,400! Similar to those phishing phone calls I receive saying "This is your credit card company. We noticed a charge of $x from Amazon for {some specific items}. If you did not make this purchase, press '1' to speak to an agent. …"

I did Google search for that scammer TIBOR J CZEGLEDI and a few available, in Calgary, Ottawa, etc.

Also, I copied original email before deleting, here it is how it was written there exactly:

TIBOR J CZEGLEDI

This email was sent to you by Interac Corp., the owner of the Interac e-Transfer® service, on behalf of TIBOR J CZEGLEDI at TD Canada Trust.

Interac Corp.
P.O. Box 45, Toronto, Ontario M5J 2J1
http://www.interac.ca

Winnie said
…
If the scammer is tempting me to contact them and try to get that $4,400, how I would be able to contact that scammer?

Name is the only information about that scammer, no email address available.

Interac transfer notification, that I received, appears to be sent from interac site. Who knows how that scammer did that.
It also says that scammer is a customer of TD Bank.
…

That transfer notification was not sent by Interac Corporation. It was likely an actual notification that was edited and then sent by the scammer. The scammer made a subtle error in editing some of the text. The error is visible in the image you posted.

Kind of like what scammers used to do with PayPal confirmations. Scammer would offer to pay for an item by PayPal. Scammer would then send the seller an e-mail that looked like a funds-deposited confirmation from PayPal. That's why PayPal started warning people not to rely on an e-mail notification of funds received. Instead, actually log into one's PayPal account to see if the funds have been received.

I suspect the e-mail address was available as the Reply-To address that would override the From address when someone tries to reply to the e-mail.

SaverJunior said
Winnie, I think what you received is a scam. There is a daily limit of $3000 for e-transfer. The amount showing in the picture is over that. NO WAY.

Do not click on the button or links in the message or your computer might be infected with virus.  

It seems Meridian allows Interac e transfers of up to $5000 daily
Your Interac e-Transfer Limits

To protect you, rolling limits are applied to the amount of money you can send using Interac e-Transfer.
To protect you, rolling limits are applied to the amount of money you can send using Interac e-Transfer.
LIMITS PER TRANSFER 24 HOURS 7 DAYS 30 DAYS
Receiving $1 - $25,000 N/A N/A N/A
Sending $1 - $5,000 $5,000 $10,000 $20,000
Requesting $10 - $3,000 N/A N/A N/A