How to prove that I didn't receive money sent to me through Bank of China?

Strongzula's picture
By Strongzula - Posted on
11 July 2016

Dear All,
Please help me. I need to know if it possible for a Japanese citizenship holder (originally Chinese) living in China to send 110000 USD overseas at once from his Bank of China account. Is there any daily limit? When you send money from China to overseas through Bank of China, after completing remittance do you receive any receipt from the bank which shows the remittance was successful beside of application for funds transfers (overseas)?
Someone all of sudden says he sent to my private bank account 110000 USD for company use 2 years ago through Bank of China. I didn’t receive any money of course, and didn’t know about this. He gave me a copy of application for funds transfers (overseas) without any bank sign, any signature of sender, has only name of sender, any address, any phone number. He wants me now to explain how I used theis money. I gave him a  copy of my bank account which shows I didn’t receive a single penny from him, but people don’t believe me. How I can prove that I didn’t receive any money from him? Please Help! Thank you.

Anonymous's picture

Came across your post and this may be too late but hopefully my response will help someone. Hope you haven't fallen for the scam because as I was reading your post, red flags were going off. First of all, most Chinese people have an allowance of 50000USD they can send out in one year (could be used up all in one day if they wanted). I'm not about special cases or VIP customers but that's the general rule. I know of Chinese friends that have had to transfer more than this 50000USD amount and had to drag their spouse or parents with them to the bank to max out each allowance.

Secondly, there is no physical confirmation that I know of for if the wire was successful or not. Just last week, I wired some money back to the states and after not seeing it in the account a few days later, I knew something was wrong. I double-checked the account number, and sure enough, the banker had mistakenly typed one wrong digit and I hadn't noticed. Of course, it didn't show up on the other end. I called my bank in the states to ask if they could somehow still place the money in the account on the basis that everything else matched except the one digit but they were unable to help. They advised me to go back to the bank (I used ICBC in Beijing) and ask them to correct it. So I complied, I went back to the bank and told them what had happened, they corrected it and it showed up in my U.S. account within a day. I didn't have to go through the long ordeal of filling out more paperwork or sign anything, the banker that had helped me in the first place realized what had happened and fixed it, no questions asked. So, in fact, if this person who wired you money was telling the truth, they should be able to go back to their bank and look into the situation... maybe it was the wrong account number, or wrong person... it could still be floating in between banks.

My gut reaction leads me to my third reaction, why would someone just, out of nowhere, send you that huge amount of money? Was it for business purpose or repaying a loan? If not, you have to ask yourself, is this person crazy or just trying to extort money out of me? The sender would have had to bring two other people with him in order to send that amount of money and they would've had to fill out all the details of the beneficiary's information (that means your full name, account number, address, as well as your bank's information). They would've definitely have had to sign the wire remittance document with the bank's stamp and authorization information.

My advice to you is to not fret about it. If you haven't received anyone's money, and you already told them... you have no obligation to help them find their money they sent out randomly. They should contact their bank themselves and deal with it, not you. Sounds like someone is just trying to get you to send them 110000USD of your own money.

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