Não está fácil para ninguém

The Financial Times has found that banks are deliberately holding on to
overpayments made by customers, worth hundreds of millions of dollars. In
one example, the Financial Services Authority has launched a probe into
Royal Bank of Canada following warnings that managers were withholding money
overpaid by customers on foreign exchange transactions. Although individual
overpayments may be small, new research has shown that in the UK they mount
up to large sums and are sometimes used to inflate earnings. Paul Anning, a
partner at Lovells, said "there would be a reasonable number of firms" that
withhold overpayments and that lawyers who discourage the practice are told
"this is what everyone else does". (p.1, 28)
Fonte: FT de hoje