AIB online problems.CHECK YOUR ACCOUNT

bcmf

If you are an AIB account holder and use online banking go through your account with a fine tooth comb.
A payment I made 2 weeks ago was replicated without my knowledge and put me into an unauthorised overdraft.
Called Customer Service and they couldnt explain it.
Went in to my branch and the explanation I got was simply stunning.
AIB:'We dont know what happened and the money is in the account where you sent it'
Me:' I didnt send the payment twice and its not where I sent it'
AIB:'Well it must be in between in the 'ether' in between' :eek::eek::eek::eek:
I walked straight out and went up to PTSB and opened an account there.
I got onto my wages and told them to hold my wages until I get a new account


Now my wife has checked her account and something very similar has happened.

They havent a fooking clue what is going on.

lovelyjubbly

Its called Shadow transactions. Happened to me a couple of times and AIB feigned ignorance both times. Screen shot your account as they will try telling you it never happened. They will also say its not their fault/problem.

On the bright side it will only take abt 10 working days to get it back (if you're lucky).

I got my money back much quicker the second time as I was wise to them plus they allowed my account to go to unauthorised overdraft to the tune of €500.

suicide_circus

Hello friend, My name is Prince Amuwaydu Uzombeceh. I am chairman of the Lagos First Trust Bank. We would like to provide you with an excellent banking service today. If you will simply deposit your entire savings into the following account, we shall offer you a very competitive interest rate...

MRnotlob606

worst online banking service ever

MRnotlob606

AnonoBoy

This happened a couple of weeks back. Saw a thing about it on the news back then.

Most people got refunded, I'm surprised (well not that surprised) that the customer service didn't know what had happened.

Banjo String

Remember the idiots mistakenly have thousands of their own customers bad credit references to the Irish credit bureau.
****.

fibix

son of byotches! 66 euro they owe me!!!! How do I get it back?

oak5548

I still dont know why people are with AIB.
Close your damn account and go with a better bank. I did so 2 years ago, and I havent looked back since.

Stavros Murphy

oak5548 wrote: »

I still dont know why people are with AIB.
Close your damn account and go with a better bank. I did so 2 years ago, and I havent looked back since.

I'm with AIB and find them grand. No issues at all.

Strumms

AIB are complete and utter c*nts. I'd keep my money under the mattress before I'd have anything to with with them again... Staff are rude and incompetent beyond belief.

Flippyfloppy

Be with AIB

Plazaman

I went into my branch during the week reading the riot act as there was a direct debit set up out of my account without my knowledge. Then the girl behind the desk (a saint I tell ya for putting up with me) advised me it was my car insurance company. They changed their debit description after SEPA came in. Anyway there was a lot of tail between legs going out the door so I hope I don't have ye're problems or I'll have to hire an actor to go in on my behalf.

zetalambda

Banjo String wrote: »

Remember the idiots mistakenly have thousands of their own customers bad credit references to the Irish credit bureau.
****.

Yeah, they registered a bad debt against me over a credit card bill that I was struggling to make the payments on. Agreed not to bring me to court if I paid €100 every month until the debt was cleared. If anyone is in a similar situation, it's not as bad as you think. A bad debt will automatically drop off your credit report 5 years from the date it was registered which in my case was last year. Learned a good life lesson from the whole thing and will never get a credit card again. Maxed it out within about 6 months and spent 6 years paying it off. Incidentally, I was in the same situation with BOI and MBNA and neither of them registered a bad debt against me. :cool:

Novella

A while ago, AIB charged all account holders twice for any payments made on a particular date. I noticed it on my account a few days later but they had already refunded me. It was in the news, from what I remember.

Truckermal

oak5548 wrote: »

I still dont know why people are with AIB.
Close your damn account and go with a better bank. I did so 2 years ago, and I havent looked back since.

Any suggestions of who to go for as I am sick of the rude ignorent staff along with there huge banking fees.

macplato

I was paying my bills this afternoon (online banking) and looking through recent transaction I noticed some money credited to my account. Further investigation - I was charged twice for some transaction a few days ago, and this seems to have been a refund. I was wondering about this, and now I have my answer...

Mr. McGreg

What dates were people charged twice? Just looking through mine now and noticed I was charged twice for what looks like a chicken fillet roll, just want to make sure just in case I was hanging that day and decided one roll wasn't enough!

Wossack

their fee's are pissing me off alright - any recommendations?

Stavros Murphy

Wossack wrote: »

their fee's are pissing me off alright - any recommendations?

Coutts?

the groutch

Talk about your sensationalist thread titles, make it sound like they had some sort of security breach.

macplato

Mr. McGreg wrote: »

What dates were people charged twice? Just looking through mine now and noticed I was charged twice for what looks like a chicken fillet roll, just want to make sure just in case I was hanging that day and decided one roll wasn't enough!

I don't feel like logging in to check the exact date, but it was some 2 to 3 weeks ago. The refund went through some 5 days later.

bcmf

the groutch wrote: »

Talk about your sensationalist thread titles, make it sound like they had some sort of security breach.

Well I am viewing it as a security breach as they gave me no credible explanation for taking money from my account.
In fact the first person I spoke to in customer service admitted they didnt know what was going on.
My wife has checked her account and found that BoI had to refund her account (AIB) as she withdrew money form a BoI ATM and BoI took it twice.

TimTim

Banking works very much off the idea of scheduled batch jobs.

What most likely has happened here is someone accidentally ended up running the same batch job twice and every transaction inside it was repeated. (I've seen bigger banks make the same kind of mistake)

It is very much a pain in the hole when this happens.

Mince Pie

Truckermal wrote: »

Any suggestions of who to go for as I am sick of the rude ignorent staff along with there huge banking fees.

Wossack wrote: »

their fee's are pissing me off alright - any recommendations?

PTSB! Best move I ever made. Nice staff, no charges and available balance always up to date. No more mortification in the local shop when you card has just been declined even though you checked your account online two minutes previously.

Mince Pie

Just as an addition to the AIB love. http://www.irishexaminer.com/ireland/mother-with-terminal-cancer-told-arrears-mean-mortgage-will-not-be-paid-off-when-she-dies-264892.html#.U0ZfX204qn4.facebook

SamAK

Strumms wrote: »

AIB are complete and utter c*nts. I'd keep my money under the mattress before I'd have anything to with with them again... Staff are rude and incompetent beyond belief.

Your experience isn't the same as everyone else's experience. Just sayin'!

Stavros Murphy wrote: »

I'm with AIB and find them grand. No issues at all.

+1 for me. No issues. Ever.

airuser

Thanks , just checked my account. Yes, had shadow transaction. It has been reversed.

Has the regulator been informed of this?

Stavros Murphy

airuser wrote: »

Thanks , just checked my account. Yes, had shadow transaction. It has been reversed.

Has the regulator been informed of this?

Fcuk me, to err is human. To refund is God-like. What more do people want???

awec

Looks like I was charged twice for something at the end of February, but the second transaction was refunded a few days later.

It was only ~20 euro so didn't notice at the time - a direct debit rather than using my card.

airuser

Mine was in March. So who will they blame now?

Mountainsandh

Thanks for the post.
I just checked, and had been charged twice for 5 transactions on the 25th/26th. They were refunded 27th, but I still like to know about these things, it amounted to 200 euros or so, so on the 26th I was 200 euros poorer than I thought, good thing I hadn't any bill to be paid on that particular day.

ShaneU

Mountainsandh wrote: »

Thanks for the post.
I just checked, and had been charged twice for 5 transactions on the 25th/26th. They were refunded 27th, but I still like to know about these things, it amounted to 200 euros or so, so on the 26th I was 200 euros poorer than I thought, good thing I hadn't any bill to be paid on that particular day.

Same here, two transactions on the 25th repeated on the 26th, refunded 27th

Mountainsandh

I would imagine some people got caught if they had a direct debit coming on the 26th, it could be a fair inconvenience.

Have never had problems with AIB other than that.

Charges are high though.

Hulk Hands

MRnotlob606 wrote: »

worst online banking service ever

Out of the Irish banks, it's actually the best by quite a distance

tritium

Find Aib fine to be honest. More competent by far in my experience than BOI

Nonoperational

zetalambda wrote: »

Yeah, they registered a bad debt against me over a credit card bill that I was struggling to make the payments on. Agreed not to bring me to court if I paid €100 every month until the debt was cleared. If anyone is in a similar situation, it's not as bad as you think. A bad debt will automatically drop off your credit report 5 years from the date it was registered which in my case was last year. Learned a good life lesson from the whole thing and will never get a credit card again. Maxed it out within about 6 months and spent 6 years paying it off. Incidentally, I was in the same situation with BOI and MBNA and neither of them registered a bad debt against me. :cool:

It's hardly a life lesson realising that having 3 credit cards, maxing them all out and then not having a hope of paying them back is absolutely special...

Credit cards are great if you have a decent income and a bit of common sense. You get to use the money for free for 1-2 months as long as you clear your balance, get some protection on purchases online and you have another option in an emergency.

MRnotlob606

suicide_circus wrote: »

Hello friend, My name is Prince Amuwaydu Uzombeceh. I am chairman of the Lagos First Trust Bank. We would like to provide you with an excellent banking service today. If you will simply deposit your entire savings into the following account, we shall offer you a very competitive interest rate...

Don't worry sir we will return you to your former glory and get you back on that throne.

LaVail

I'm with AIB for years and they have made errors several times. The latest was 7 weeks ago, I went to an ATM and wanted to take out €500 but the machine gave me €0.

Called customer service number on the back of my debit card straight away and told them what happened. They said "no worries we'll make sure it isn't debited from your acc"

It was! and I just got my €500 back yesterday after countless phonecalls etc.

Shower of......

*edit* Just checked online banking there and they seem to have done me out of €250 for a duplicate transaction, cheers OP

obezyana

Just checked mine I had 150 refunded I didn't even notice that they had messed up.

Thanks OP for the heads up.

I've never had a problem with aib but their fees are high.

Has anyone checked their bank charges, reconciled them against transactions in statement? Have you been charged for the duplicate debits and the refunds?

Might be only 50cent or less cost per account but how many accounts could it affect?

They may not have charged for all these recent errors but suggest you check all the same.

macplato

Strawberry Milkshake wrote: »

I've never had a problem with aib but their fees are high.

Has anyone checked their bank charges, reconciled them against transactions in statement? Have you been charged for the duplicate debits and the refunds?

Might be only 50cent or less cost per account but how many accounts could it affect?

They may not have charged for all these recent errors but suggest you check all the same.

I was thinking the same thing yesterday. If they charged their customers for the shadow transactions, they gave their profits a nice boost - money they would otherwise not have.

This tickles my inner conspiracy theorist

zetalambda

Nonoperational wrote: »

It's hardly a life lesson realising that having 3 credit cards, maxing them all out and then not having a hope of paying them back is absolutely special...

Credit cards are great if you have a decent income and a bit of common sense. You get to use the money for free for 1-2 months as long as you clear your balance, get some protection on purchases online and you have another option in an emergency.

The life lesson was more to do with being sensible with money and budgeting. The debt I got into was the best thing that ever happened to me. It got me thinking of ways I could earn an extra income as I was still struggling with the salary from a 9-5 job. I've since left that job and work for myself full time and earn about three time the average industrial wage. Credit cards are for suckers. You get protection for online purchases using a debit card. If you have a decent income you don't need one.

hoodwinked

i never had a problem with Aib....until ptsb checked my credit rating when i was opening a second account due to high fee's in AIB and free banking with ptsb,



turned out they had down i missed payments and owed money on a loan i had cleared and paid on time every time, i had to go to aib get a letter showing the loan was cleared, and a few weeks later got one of those "sorry we messed up your credit rating but we will fix it" letters

i am still waiting for them to "fix it"! :mad:

PizzamanIRL

Happened to me with Bank of Ireland. The bank didn't know about it but the company I purchased something from could tell me that it was a shadow payment and that the money will be refunded once their books are updated or something. Took 3 or 4 days.

That_Girl_ Is_ A_Cowboy

I went to the pass machine today and I checked my balance and I was missing 60 euro. I had about 520 in the account yesterday and took out 40 then. I went to the pass machine today and I was down to 420 euro.

Unfortunately I lost my log in banking details months ago and I never got around to sorting that out so I can't check an online statement.

airuser

You will have to check with your bank on Tuesday.

My account was debited but it was re credited in 24 hours

That_Girl_ Is_ A_Cowboy

I bought something online last week for 29 pounds so that would be about 35 euro. I also paid a bill of 35 euro but all that has been taken into account when looking back on the week's finances. Is there such a thing as a double shadow transaction.

That_Girl_ Is_ A_Cowboy

airuser wrote: »

You will have to check with your bank on Tuesday.

My account was debited but it was re credited in 24 hours

Will go to the bank on tuesday. 60 euro is a lot. It could even be 70. God knows but I'm definately down.

kneemos

Only problem of sorts I ever had was when I went for a small loan yonks ago,she told me because I had never had a loan with them before they didn't have a repayment history.
I fear if I'd given the wrong answer we could have been caught in an infinite loop.

Pumpkinseeds

My husband had his account debited twice a couple of weeks ago but they put it back within a day or so. Definitely need to keep an eye on it in future though.