The amount of money was deducted from my bank account without my consent. the bank says it is not their problem.please help me get my money back

Reasons which results wrong transactions:
·Due to human (typing a wrong account number) or technical errors
·Human errors due to discrepancies in the account number, IFSC code or both
·Technical glitches at the bank's end can also cause the error
Time for quick action:

·Try to inform the bank and bank manager immediately after the wrong transaction
·Money will get back to your account automatically, if the account number you mentioned does not exists but in case the situation is opposite, you have to take immediate action
·You have to prove the bank in details that you transferred the money to a wrong beneficiary's account
·If the money is credited to the account of an unintended beneficiary with the same name as your intended beneficiary, then in that case you have to prove that the transfer itself was wrong before the bank can help. But it's not that easy
·Try to mail the matter in detail to the bank for the sake of better communication
·Bank can only act as a facilitator by providing you the contact number/branch name of the unintended beneficiary
·Try to follow up the situation regularly because at the end it's your hard-earned money
·In case the transfer intra-bank, the bank may approach the recipient on your behalf and request a reversal of transaction. If the beneficiary agrees, the transaction will be reversed within one working week
·If the beneficiary is of other bank and you transferred amount by mistake, then you have to go personally to that particular branch and meet the bank manager to get the solution done.
What if the wrong beneficiary refuses to give the money back?

·You cannot take the money back without the wrong beneficiary's consent. The beneficiary has to accept that the wrong transaction is made but it's not that easy
· In that case, contact your bank and update the matter clearly
·To keep a record of your complain; always try to mail the matter in details for better communication
·If he or she refuses to give your money back then you can do a legal case as well but the situation becomes more complicated if your bank and your beneficiary's banks are different, and/or are in different cities
·Taking legal route is time consuming which involves too many formalities which includes lawyer's fees etc
·If a beneficiary is okay giving your money back then it takes 8-10 working days to get your money back. Otherwise, you have to prove the transaction with the help of right statement, address and ID proof etc.
·No recovery is possible is the beneficiary contests the reversal and refuses approval
Rules to follow:

·According to the RBI guidelines, it is the responsibility of the depositor to provide the correct account number and IFSC code
·There is no rule that the banks will verify all the details
·Before transferring the money, always check twice or thrice the account number and the IFSC code
·It is always advisable to transfer a small amount of money. Like Rs.100, as a test to verify that the amount is transferred to the right beneficiary
·Try to double check the digits after typing and for online payment test transfer is the safest mode
·Try to complain immediately to the concern bank for wrong transaction and reply the bank as quick as possible. At the end it's your hard-earned money, so be cautious when you transfer the money.

go to the bank that the return the debit order. you complete a form and they reverse it

go back to the store with you receipts and bank statement and speak with the manager and explain what has happened
ask for a refund of your cash as most shops will refund back into the visa account

well guess what?
you can expect more unauthorized deductions because you have given all of your details to hackers on unsecured web site
fast good advice is for you to contact your bank and close that account immediately
and open up a new account that you can keep secret and remember in future when you have unauthorized deductions , keep it private with your bank

FixYa does not manage any accounts from any companies. You need to contact PayPal and Lumosity to sort out this problem.

You need to contact whom ever is deducting the money or cancel you account the bank and request a unauthorized debit form to get the money back. Call your bank 1st thing.

inform your bank not to allow speeddate to withdraw any more money.and also you need to file a suit against it with your nearest police station and seek an attorney's help!

It's just basically an on-line bank. You open an account with Paypal, then put some money in the account (via credit card or through setting up an automatic connection with your real bank which will deposit money for you). Now you have a Paypal account with money in it. When you want to pay for something, you go to your account, put in the Paypal account of the recipient (usually their e-mail address) and the amount. Your account is deducted by that amount. Similarly, if someone is sending you money, they will need your e-mail address. They will deposit money, and your account is credited accordingly. Paypal will send messages to both sender and recipient that the transaction went through. I hope that helps.

-R.M.