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Just went to the bank, theres 1500 more than i should have in my debit account

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Dolan.Escobar
Posts: 683 - Karma: 943
I should have like only 200 in my debit account right now, but i went to the bank to deposit a check and theres 1700 on my balance. I have no idea how it got there, im guessing some mistake the bank made.

What would you do? Should i withdraw all of it in case the bank made a mistake so that they cant correct it later (ie take my money away)

#firstworldproblems
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Jul 28 2014 6:33PM
200 56
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Sno.
Posts: 12155 - Karma: 6,147
.Hugo.Idk where you lived in the US, but everyone i know can do everything you just listed online....


this...what is he talking about?
Jul 29 2014 12:08PM
0 0
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.Hugo.
Posts: 17360 - Karma: 28,469
snobunnythis...what is he talking about?


The only thing I can think of is he lived in a very small town where everyone used a tiny local bank? But I think even a lit if those have online also
Jul 29 2014 12:17PM
0 0
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RubberSoul
Posts: 11249 - Karma: 14,642
.BlinkyNo sir. After I graduated high school I moved to Texas then up to keystone. Now I'm back in my hometown splitting a place with my girl. Not everyone on ns is irresponsible. I've had multiple jobs but I haven't gone more than 2 weeks unemployed since I was 16.


it has nothing to do with being irresponsible (well, in some cases, sure, but...)

let me assure you plenty of people our have very little money after bills, because theyre working jobs that are stepping stones and don't pay huge amounts in the meantime-- you have to earn your stripes in career jobs most of the time. and living in the city for jobs like that is expensive.

oh, and your saying "ask for more hours" makes me think you have no business talking down to people about their jobs if you get my drift :)



OP: find out where it came from and rectify it immediately. even if you're unethical, DON'T use it, if it was a mistake the bank will absolutely take that amount of money back (and those mistakes do happen)
Jul 29 2014 12:18PM
3 1
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KravtZ
Posts: 6637 - Karma: 2,629
Don't spend the money for a while. I have heard of this happening before and they can leegally collect on it from you. Not sure exact laws...but dont spend it. Wouldnt be a bad idea taking cash and hiding it for now though.
Jul 29 2014 2:31PM
0 0
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Huck_Norris
Posts: 11487 - Karma: 18,627
DO NOT SPEND THE MONEY OP.


If you really MUST be a sketchtard about it, pull it and put it in your savings account and just hold it for a minimum of 180 days. 99.9999999% likely that someone will realize that mistake and come looking for it and you ARE LEGALLY OBLIGATED to give it back contrary to what that tiny brain of yours may be telling you in that retarded squirrel voice it has.
Jul 29 2014 2:35PM
2 0
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Z-PAULY.
Posts: 559 - Karma: 284
timmilol wait until you're not 16.


im 16 and dont have near 200$ in savings or checking. reppin around that 17$ mark
Jul 29 2014 3:53PM
1 0
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Dolan.Escobar
Posts: 683 - Karma: 943
.MASSHOLE.You can do that now with most US banks but some banks will limit the amount of transactions per month.

We may have numerous banks in the US, but there are 6 that control over $8 billion in assets, so the whole lack of an oligopoly in the banking industry is a complete and utter farce. (I couldn't tell if you were being serious with your comment on that)

I think you mean 8 trillion. 8 billion isnt that much
lIllIJust kidding. Banks actually do this all the time. I know for a fact that if you don't notify them they will legally sodomize you with the wide end of the great pyramid.

Bullshit. im not obliged to notify anybody. I canvsay i didnt notice.
Jul 29 2014 4:09PM
0 0
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Dolan.Escobar
Posts: 683 - Karma: 943
Huck_NorrisDO NOT SPEND THE MONEY OP.


If you really MUST be a sketchtard about it, pull it and put it in your savings account and just hold it for a minimum of 180 days. 99.9999999% likely that someone will realize that mistake and come looking for it and you ARE LEGALLY OBLIGATED to give it back contrary to what that tiny brain of yours may be telling you in that retarded squirrel voice it has.


Why are you such a humongous dick?
Jul 29 2014 4:12PM
0 1
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Lé.Skiing
Posts: 10035 - Karma: 8,122
any one remember when this happened? http://www.dailymail.co.uk/news/article-2366557/PayPal-accidentally-makes-man-QUADRILLIONAIRE-transferring-92-233-720-368-547-800-account.html


Financial institutions are all susceptible to making mistakes.
Jul 29 2014 4:16PM
0 0
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lIllI
Posts: 1255 - Karma: 1,986
Dolan.EscobarBullshit. im not obliged to notify anybody.


I've studied numerous case examples about this exact scenario. In each one, the person got fucked. Funny how all the accountants/financiers in this thread are telling you the same thing, yet you refuse to believe them.

Dolan.EscobarI canvsay i didnt notice.


Not if your bank records show spending/transferring that "coincidentally" net to roughly the amount missing in question.

It's not at all uncommon for a bank to make a ledger error. But when they notice the money missing (which they will), they will come looking for it. They are smarter than you.
Jul 29 2014 4:18PM
0 0
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Dolan.Escobar
Posts: 683 - Karma: 943
lIllII've studied numerous case examples about this exact scenario. In each one, the person got fucked. Funny how all the accountants/financiers in this thread are telling you the same thing, yet you refuse to believe them.



Not if your bank records show spending/transferring that "coincidentally" net to roughly the amount missing in question.

It's not at all uncommon for a bank to make a ledger error. But when they notice the money missing (which they will), they will come looking for it. They are smarter than you.


Im not going to spend it or take it out. I cant get in trouble for leaving it there and seeing what happens. For all i know it got deposited in the wrong acct by my padres, its a joint acct anyways.

and if they are smarter than me then theyre pretty fucking smart breh
Jul 29 2014 10:10PM
1 0
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Dolan.Escobar
Posts: 683 - Karma: 943
Also i went back today and its still there
Jul 29 2014 10:16PM
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Huck_Norris
Posts: 11487 - Karma: 18,627
Dolan.EscobarWhy are you such a humongous dick?




It's my humongous dick.
Jul 30 2014 3:05PM
0 0
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goodnoooo
Posts: 555 - Karma: 2,075
Dolan.EscobarAlso i went back today and its still there


just talk to someone at the bank and see whats up so you dont have to keep worrying about it
Jul 30 2014 4:12PM
0 0
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Huck_Norris
Posts: 11487 - Karma: 18,627
goodnoooojust talk to someone at the bank and see whats up so you dont have to keep worrying about it



It's a fucking joint account fer chrissakes, he should obviously just ask his mommy if she put it in there first.
Jul 30 2014 4:20PM
1 0
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GayWolf420
Posts: 36696 - Karma: 110,718
Granite_StateI've made over 3,000 this summer but only have $250 in my checking and $150 in my savings. Bills are fun!


just barely broke 1k last week for me and i feel like a millionaire lol. it also helps im living at home my first year of school, so thats chyll.



i know that feeling of blowing through cash, though. i was supposed to have about 4gs last summer saved if i didnt blow it all on weed and ski gear lol
Jul 30 2014 4:27PM
0 0
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gRAPEFRUIT
Posts: 380 - Karma: 272
Dolan.EscobarI still have my tax refund from the treasury thats 1100 bucks.


Poor people problems.
Jul 30 2014 4:29PM
0 0
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Dolan.Escobar
Posts: 683 - Karma: 943
Huck_NorrisIt's a fucking joint account fer chrissakes, he should obviously just ask his mommy if she put it in there first.


I should shouldnt i inferior boy
Jul 30 2014 5:25PM
0 1
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Miomo
Posts: 4302 - Karma: 14,131
TijmenDalI still don't get how most American don't have online banking. It's ridiculous how backwards the system is.
When I lived in the US the only thing I could do was see online how much money I had in my account, and even that wasn't normal for most banks. What the...
I have full control over my money and can do money transfers to any account in Europe within 24 hours without a hitch. Within my own country it takes a couple of hours. If it's to another account with my bank it's a couple seconds.
I also have an app on my phone I can do the same things with. Why the US hasn't even come close to this is beyond me.

Maybe it has to do with the tens of thousands of different banks in the US, which I find weird as well. We have maybe 10 tops in the whole country. But then again, it's probably a good idea that there's more banks in the US, because otherwise there would be even more power in the hands of some greedy fucks on wall street. Anyway, I'm going off-topic.

Check where the money came from. Refund that shit if it isn't legit.


Yeah but we have guns.
Jul 30 2014 6:31PM
0 0
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Huck_Norris
Posts: 11487 - Karma: 18,627
Dolan.EscobarI should shouldnt i inferior boy



Interesting choice in projection.... But yes. You should.
Jul 30 2014 7:35PM
0 0
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