Unidentified Bank Transfer

[justaguy]

Today I logged into my bank account to find that there was a 'TILISIIRTO' (Bank Transfer) to "Sanoma News Oy / Ilta-Sanomat"

This immediately struck me as not only just 'odd' but absolutely impossible. My bank is Osuuspankki and I have never once done a 'TILISIIRTO' on this new bank account of mine, ever.
I used to have a joint bank account with my ex wife but I went into the bank and told them to split out accounts and remove all shared access, this was months ago.

What I don't understand is. I logged into my bank account yesterday on the 15th just to check how much money I had. After having a VERY fast look. I logged out at the top like I always do.

The fact that this is listed in my Tilitapahtumat as a 'TILISIIRTO' means that I would have had to go to 'UUSI MAKSU' and make the transfer myself by putting in the relevant details (IBAN, BIC, amount etc) in order to make the transfer.
But I have never once done this and this account that I have is only less than 5 days old because I have only had my Finnish ID card for about 5 days (which was a requirement of getting a Finnish Netbank).

I have never, not once purchased any sort of newspaper in Finland. I realise that the Ilta-Sanomat is a popular newspaper, but I would never buy anything from them, nor send them any money what-so-ever through my bank or other means.

I was trying to think if somehow my card got card-swiped but that's impossible, because it clearly says 'TILISIIRTO' next to the payment, and below that it has 'PKORTTIMAKSU' for my bank card purchases.
I recognise every other payment including the amount currently pending. But there is no time-stamp on this payment (though the bank might be able to find that out for me if I asked them when it exactly was issued)

Now if it wasn't me, then maybe it was someone else. But that person would need to know my Käyttäjätunnus, my PIN, AND have the relevant 1-time use number that you are asked for in order to log in.
Now I leave my windows open slightly ajar but I live on the third floor, and on top of that even though most of my bank details are in a cupboard I would know if someone had gotten into my apartment. And the prospect of someone somehow getting into my room and making a payment to Ilta-Sanomat seems ridiculous.

I also thought that perhaps when I went to check my balance from a Pankkiautomatti that perhaps I'd somehow been tricked into one of those automatic micro-payments. But the amount is too large, those are only commonly 1-2€ and also it would probably just have been registered as a 'PKORTTIMAKSU'.

Lastly, but perhaps most importantly. All I did was check my balance that day, log in once. That was it. I neither bought anything online (which would have required me to put all of my details in anyway and thus I would remember) and I definitely did not go through the unmistakeable process of making a Tilisiirto.

So the question is...

What the actual @#$% is this transaction, and who the @#$% has made it?
I tried to think of the guy at the bank conned me into paying for something when I registered for the account but I specifically remember him saying "It's free because you are under 26", or if I had somehow authorised it some other way or if I had clicked on something. But banks make it almost impossible to do any of this sort of !"#¤% without you REALLY knowing what it is you are doing.

And I definitely didn't sleep walk and pay a bill in my sleep.. So I don't get it. I don't read that newspaper. I certainly don't owe them anything (I know sometimes that companies have different names in their receipts online than they do physically) but the stone hard truth remains. I didn't make this payment, and because it is a Tilisiirto there's only one way to make it, and I didn't.

I've considered everything, someone else using my Wifi and Hijacking my session and paying for something. But I logged out so fast that it could never have happened. Besides it's all SSL and you'd need to be lucky enough to use an SSL-strip attack. You'd need my codes and all of my information to log in, and I have them all in separate places and one part of that I've never written down. It's in my head.

So can anyone guess what the hell happened? I don't care so much about the amount. I just want to know is my account safe?
Obviously I should go into the bank tomorrow first thing and ask them to explain what the hell is going on. But I guess the only answer I am going to get is the one that I have now "But sir, you must have done it".

So I guess, I'm going to have to do a Chargeback to get the amount back (I don't even know if I can do that from Osuuspankki) and then what... change my Käyttäjätunnus and PIN and get a new set of single-use numbers? Which I'm not sure I'll get immediately or have to wait for them in the mail or something....

If anyone could explain this to me, or another way this could have happened. Because honestly I didn't go anywhere or do anything on Saturday 15th, and nothing else looks out of the ordinary. Then that would be great...

[Pursuivant]

So, why the hell exactly someone would go through all the trouble to hack your account to put money something to Ilta-Sanomat? V5 horse results? Online Aku-Ankka?

[interleukin]

I'd suggest not panic-ing right now, but rather going tomorrow and asking for more info about this transfer. Sometimes legitimate transfers/payments are given totally uninformative/misleading text in the internet bank so this does not have to be anything connected to a newspaper. This is a much more likely scenario than this being a scam/hacking.

[Rip]

Even though automation should make this kind of event impossible impossible, I find even screw up at the bank more likely than that somebody would have hacked your bank account - for practically nothing, as Pursuivant already stated.

[Flossy1978]

I thought you were leaving Finland?

Anyway, just go and talk to the bank. They can clear it up for you.

No need to panic. Your life isn't going to end over some bad transfer from your bank

[Pursuivant]

Defo could have been explained in far fewer words OP!! Sheesh!

Come on now, if all the posts were this detailed, we wouldn't need to guess and then annoy posters with assuming things all wrong. Well trained... and the answers are short and to the point - no waffling