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Unfolding Nature Shop: Unfolding Nature: Being in the Implicate Order

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Bank error in your favor
    #20007070 -

So let's say the other day i opened a bank account with a popular branch and cashed my first jobs paycheck of roughly $450 into the checking and $50 into savings. Then 24 hours later when i check my online account statement it reads double the amount i deposited (~$900 in checking and $100 in savings.) Weird part is the opening checking deposit was something like 450.83, and the second duplicated deposit was roughly 450.02. I'd figure if this was some kind of duplicate deposit error it would be the exact same amount twice, not have a $.80 difference.
Let's say i hypothetically went and took out all the money. What kind of risks would i be taking?
You think it would help to close my bank account afterwards? Or not to avoid attracting attention?
All speaking hypothetically, of course.

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. [Re: Anonymous #1]
    #20007164 -

.

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Re: Bank error in your favor [Re: Anonymous #2]
    #20007323 -

With extreme prejudice.

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Re: Bank error in your favor [Re: Anonymous #3]
    #20007330 -

This happened to me one time.
It was a little over $300.
They never caught it.
I think someone accidentally wrote my account number down on their deposit slip.

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Re: Bank error in your favor [Re: Anonymous #4]
    #20007391 -

happened to me, but the error was in the order of well over 2k....

contacted a friend who works in corporate financing who told me the deposit code was that of a large business, and that they probably piggybacked a deposit by accident.

i waited a few days till all my waiting transactions were complete, went and with drew every penny and closed all my accounts with them.

they sent me a letter saying they wanted the money back, i didn't reply.

a few months later they tried baiting me in by telling me they found an error and they owe me a hundred dollars....LOL.


it was a wells fargo and they don't sue you for less than 5k, so i figured partying it up on their dime for their fuck up was acceptable/necessary.  especially after how many people they have fucked over.

so if its a big bank, do what i did, or do what you think is "right."

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Re: Bank error in your favor [Re: Anonymous #5]
    #20007489 -

This was with wells Fargo lol

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Re: Bank error in your favor [Re: Anonymous #1]
    #20007624 -

You will be held responsible for any excess money not rightfully yours.

Whether it is worth a credit risk for you or not is up to you.

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Re: Bank error in your favor [Re: Anonymous #1]
    #20008283 -

id withdraw it all and open another account somewhere else.

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Re: Bank error in your favor [Re: Anonymous #6]
    #20008619 -

Anonymous #6 said:
You will be held responsible for any excess money not rightfully yours.

Whether it is worth a credit risk for you or not is up to you.


I'd guess this is what will happen.

You'll ruin your credit after they find the error and send you to collections.  Probably not a huge deal, but some day you might be an adult and need to buy something like a house, or car, and/or apply for a job.

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Re: Bank error in your favor [Re: Anonymous #1]
    #20009376 -

Just leave it there for awhile, if they don't take it back in abweek or two, then maybe use it.

It's not worth risking your credit for.

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Re: Bank error in your favor [Re: Anonymous #9]
    #20009515 -

Happened to me once long ago.  It was $1000.  The interest rates were literally 16% then.  They finally figured it out after about eight months and asked for the money back.  I paid them the original $1000 but kept the interest.  No point in stealing once they call you on it.

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Re: Bank error in your favor [Re: Anonymous #10]
    #20010929 -

its been two years in a few months, nothing on my credit, no letters other than the two i already said.

i'm pretty sure if they were ever going to do anything about it, it would have been done.

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Re: Bank error in your favor [Re: Anonymous #5]
    #20035537 -

I heard a story of a black man who got a bank error in his favor and then they put him in prison for spending it.

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Re: Bank error in your favor [Re: Anonymous #1]
    #20036421 -

last year, my bank was bought out by a bigger bank. in the process they made some form of clerical error and even when my funds got to $0 my card didn't decline. being a junkie (at the time) i went mental. i got to 3200  over my balance before they caught on. as soon as my card declined i went to the bank, closed m account (after a very awkward, angry meeting with the bank manager, i refused to answer any questions and all i said was "i want to close my account" over and over till he did it)

that was 18 months ago. still haven't heard anything. i'm at the same address, same phone number etc.

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Re: Bank error in your favor [Re: Anonymous #12]
    #20036479 -

Hmm, I'm not surprised to see that the majority here are pieces of shit.

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Re: Bank error in your favor [Re: Anonymous #13]
    #20036600 -

If op was debating on returning a single mother's purse, I would agree with you. But the banks fuck us from birth to death. They 'invest' your money, and piss on you for fractions of pennies on the dollar. Yes, w should earn all our pennies, but taking back what has been stolen from your labor pennies at a time is still yours.

For example, you find out right before your retirement, the corporation you have devoted your career with, has just found a legal loophole to screw you out of $250,000.
By some karmatic co-incidence, you have discovered a quarter-million dollar oversight in accounting that you can make suddenly appear in an off-shore account in your name. What would you do?

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Re: Bank error in your favor [Re: Anonymous #14]
    #20036864 -

Pull out all the money now before they catch it

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Re: Bank error in your favor [Re: Anonymous #15]
    #20037981 -

when i worked for a major store chain some one accessed my information and set my up for direct deposit took me a few hours on the phone with hr but i made them cut me cash on the spot

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Unfolding Nature Shop: Unfolding Nature: Being in the Implicate Order

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