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Posted: 10/16/2023 9:31:33 PM EDT
[#1]
Quote HistoryQuoted: Transfer it to a high yield savings account in a different bank. When they ask for it back, transfer the principal back to the account they put it in. |
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Posted: 10/16/2023 9:38:08 PM EDT
[#2]
This is clown world so the bank will go tits up and the account will lose everything. FDIC insurance will eventually give you 250k, and then the bank will demand their 2.2 million back from you or else you go to jail.
You should have kept it somewhere safer OP. |
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Posted: 10/16/2023 9:42:11 PM EDT
[#3]
Quote HistoryQuoted: This. When they contact you to get it back, tell them you have initiated the transaction but it will take 30 days to process. That's 9k in interest  Quote HistoryQuoted: Quoted: Transfer it to a high yield savings account in a different bank. When they ask for it back, transfer the principal back to the account they put it in. When they contact you to get it back, tell them you have initiated the transaction but it will take 30 days to process. That's 9k in interest Y'all some brilliant muhfuggers |
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Posted: 10/16/2023 9:45:51 PM EDT
[#4]
I was in college in 1989. My “MAC” card which is what everyone called it back then showed an incorrect balance
I probably had less than $15 in my checking account and then one day it showed up and said I had $83,000. I printed out the receipt and showed my college buddies who all wanted to take the money and go to Hawaii for three days. I still have that receipt. We never went to Hawaii. |
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Posted: 10/16/2023 9:46:19 PM EDT
[#5]
Is your last name Hamms, could of been a mistake by Biden administration and supposed to go to Hammas
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Posted: 10/16/2023 9:49:38 PM EDT
[#6]
Quote HistoryQuoted: Bruh, if you're single, go get a fuckton of receipts from checking your balance at ATMs, and then use them to write your phone number on it for chicks. |
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Posted: 10/16/2023 9:51:59 PM EDT
[#7]
Quote HistoryQuoted: This. Quote HistoryQuoted: Quoted: Oh they will get their money back. Don’t worry. This. That. |
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Posted: 10/16/2023 9:58:33 PM EDT
[#8]
Quote HistoryQuoted: I had that happen but with crypto. They were not closed, and fixed their mistake quickly. Before I could even comprehend what was going on. https://www.ar15.com/media/mediaFiles/193868/Screenshot_20230416_171007_Trust_Wallet_-2994424.JPG fuck, you win. it just goes to show that it's all just made up numbers |
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Posted: 10/16/2023 10:02:26 PM EDT
[#9]
The bank will correct the mistake, if you spendy you'll be on the hook for it...
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Posted: 10/16/2023 10:02:43 PM EDT
[#10]
Now is the time to turn the tables on the bank! Call them and tell them that was a $22mil deposit, not a $2.2mil deposit! You need your other 19.8mil and you need it Now!
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Posted: 10/16/2023 10:03:44 PM EDT
[#11]
Married with children had an episode to teach you what to do...
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Posted: 10/16/2023 10:03:48 PM EDT
[#12]
Quote HistoryQuoted: Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That’s instant and doesn’t have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. Quote HistoryQuoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That’s instant and doesn’t have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn’t want opened. If the bank tries to recover that money and it’s no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code § 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice— (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. |
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Posted: 10/16/2023 10:08:25 PM EDT
[#13]
Quote HistoryQuoted: Yup. Go big. Hookers and blow is how I plan on going out of this life. Quote HistoryQuoted: Quoted: Hookers and blow in Vegas, tonight, or you don't have hair 1 on your ass. Yup. Go big. Hookers and blow is how I plan on going out of this life. As you probably know, a guy that tried that gave up halfway into it. He was having such a good time that he decided life is not so bad after all. |
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Posted: 10/16/2023 10:08:44 PM EDT
[#14]
Why would they even contact the OP? It’s an accounting error. Couldn’t they just transfer it out to the correct account?
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Posted: 10/16/2023 10:09:03 PM EDT
[#15]
Quote HistoryQuoted: Did y'all hear about colklink? He was ass-phixiated. His avatar photo was the human pirate guy from SpongeBob SquarePants. Do you mean he was assphixiated for a minute, or until dead? |
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Posted: 10/16/2023 10:10:57 PM EDT
[#16]
I can launder that.
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Posted: 10/16/2023 10:13:28 PM EDT
[#17]
Do NOT tell the bank SHIT.
Just let it sit there. Keep your mouth shut on this. Tell no real people around you. |
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Posted: 10/16/2023 10:14:46 PM EDT
[#18]
Who's to say it was a mistake?
How's your karma? |
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Posted: 10/16/2023 10:14:58 PM EDT
[#19]
Just when I’m about to say f this place it’s threads like this that make me go yousonofabitchimin.jpg
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Posted: 10/16/2023 10:17:46 PM EDT
[#20]
Quote HistoryQuoted: “She has no legal claim to that money,” he added. “Even if it was put in there by mistake. It was an accounting error.” Only the cops are allowed to steal money. |
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Posted: 10/16/2023 10:21:49 PM EDT
[#21]
Quote HistoryQuoted: With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. Printing off balance receipts and trying to slay pussy is the best advice in this thread. Quote HistoryQuoted: Quoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That's instant and doesn't have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. |
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Posted: 10/16/2023 10:24:20 PM EDT
[#22]
Quote HistoryQuoted: Bruh, if you're single, go get a fuckton of receipts from checking your balance at ATMs, and then use them to write your phone number on it for chicks. Maybe a little too obvious and suspicious. Might be better to just leave them lying around on your coffee table or center console or passenger seat in your car and any chick you have around will likely sneak a peak and probably a lot more likely to believe it then if you gave it to her. |
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Posted: 10/16/2023 10:24:30 PM EDT
[#23]
Quote HistoryQuoted: At least you can now be a millionaire like everyone else on here.
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Posted: 10/16/2023 10:25:37 PM EDT
[#24]
Quote HistoryQuoted: Do NOT tell the bank SHIT. Just let it sit there. Keep your mouth shut on this. Tell no real people around you. This. Definitely don't post about it on the Internet |
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Posted: 10/16/2023 10:26:29 PM EDT
[#25]
Quote HistoryQuoted: He's paying it all back in the same year. Probably the same month. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. Quote HistoryQuoted: Quoted: Quoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That's instant and doesn't have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. That’s a dangerous gamble. ETA: the intent by moving it is to profit, so it’s still fraud. |
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Posted: 10/16/2023 10:28:37 PM EDT
[#26]
Quote HistoryQuoted: What could possibly go wrong ?? Quote HistoryQuoted: Quoted: Go the casino, double it, give the bank their $2.2 mil, keep your $2.2 mil. You’re welcome. What could possibly go wrong ?? That's half glass empty thinking. Think about what could go right! |
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Posted: 10/16/2023 10:29:19 PM EDT
[#27]
Quick get a credit check.
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Posted: 10/16/2023 10:31:03 PM EDT
[#28]
Just leave it there for as long as it goes unoticed. Keep business as usuall (don’t spend it) and pretend you are an idiot who never checks your balances. They will get it back when they catch it. After about 5- 7 years if they don’t notice put it in a different account
However it if we’re me i’d give it about a month and if it was still there I would tell the bank, or maybe higher a lawyer for legal advice and see if there was a possibility that someone anonymously deposited that into my account. If I was able to legally keep the money i’d give some to they guy on ARFCOM who told me to higher a lawyer.
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Posted: 10/16/2023 10:31:06 PM EDT
[#29]
Have you been recently contacted by a Nigerian prince about a family inheritance lately?
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Posted: 10/16/2023 10:32:25 PM EDT
[#30]
I would definitely bring it to their attention, in person and at a branch office quickly. Otherwise it is likely when they catch their error they will freeze your account while they suss it out.
Honestly even if you bring it to their attention there is a good chance they will F' it up anyway. |
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Posted: 10/16/2023 10:32:48 PM EDT
[#31]
Could work. But I was thinking, transfer it to your savings / money market account at the same bank. You should make interest, and be able to keep it also. The interest that is.
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Posted: 10/16/2023 10:33:54 PM EDT
[#32]
Man, I could have a sweet new pickup and a shiny, black, new 911. Maybe get some DD bolt-ons for the spouse unit.
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Posted: 10/16/2023 10:36:24 PM EDT
[#33]
Quote HistoryQuoted: Bruh, if you're single, go get a fuckton of receipts from checking your balance at ATMs, and then use them to write your phone number on it for chicks.  Attached File |
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Posted: 10/16/2023 10:43:05 PM EDT
[#34]
Quote HistoryQuoted: That’s a dangerous gamble. ETA: the intent by moving it is to profit, so it’s still fraud. Quote HistoryQuoted: Quoted: Quoted: Quoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That's instant and doesn't have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. That’s a dangerous gamble. ETA: the intent by moving it is to profit, so it’s still fraud. Reasonable person standard. Would a reasonable person believe the balance available from their bank? Why yes, yes they would. I’ve wired hundreds of k between banks. Never was it a taxable event. It was moving cash…aka a wire transfer. Phone call to issuing bank, recorded line, I authorize. Done. |
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Posted: 10/16/2023 10:43:43 PM EDT
[#35]
Quote HistoryQuoted: With even SPAXX offering 4.98% and credit cards offering 2% cash back on everything and 5% on some things any money at all kept in a checking account is a lot these days. I’ve already looked into transferring some into Fidelity but it’s a $250k daily limit. I’m sure they’ll get it back by tomorrow. @amediocreshooter FYI, people have gone to jail for spending money that is obviously not theirs in the same situation as you. |
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Posted: 10/16/2023 10:44:40 PM EDT
[#36]
Quote HistoryQuoted: Reasonable person standard. Would a reasonable person believe the balance available from their bank? Why yes, yes they would. I’ve wired hundreds of k between banks. Never was it a taxable event. It was moving cash…aka a wire transfer. Quote HistoryQuoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That's instant and doesn't have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. That’s a dangerous gamble. ETA: the intent by moving it is to profit, so it’s still fraud. Reasonable person standard. Would a reasonable person believe the balance available from their bank? Why yes, yes they would. I’ve wired hundreds of k between banks. Never was it a taxable event. It was moving cash…aka a wire transfer. You’ve wired thousands of someone else’s money between banks? ETA: an acquaintance of mine in financial crimes investigations said if the OP follows through on advice from this thread it will result in felonies. Your “reasonable person standard” fails. No reasonable person is going to believe $2.2M suddenly ending up in their checking account is anything other than a mistake. You know it, I know it. The people from the bank know it. LE and courts will know it. |
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Posted: 10/16/2023 10:45:55 PM EDT
[#37]
Quote HistoryQuoted: Had a similar situation happen at work It was for a smidge over a mil, the guy put it all in bit coin and ran off. The FBI refused to help the bank calling it a civil matter. The bank hired my company to try and collect, we could never find the guy. Nice, do this if you don’t have a family OP, it’ll be easy and if you pick the right country to move to you’ll live like a king for the rest of your life. The bank will get the money back through insurance. |
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Posted: 10/16/2023 10:49:17 PM EDT
[#38]
https://www.news.com.au/lifestyle/real-life/aussie-man-jailed-after-atm-glitch-to-pocket-16m-has-no-regrets/news-story/c0cf00dbfa2483fac58cf1fca4715576
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Posted: 10/16/2023 10:50:03 PM EDT
[#39]
I'd transfer that and be on my way to Belize so quick.
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Posted: 10/16/2023 10:54:16 PM EDT
[#40]
I don't know why you are on ARFCOM you should be on a plane to Vegas or Monte Carlo
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Posted: 10/16/2023 10:54:24 PM EDT
[#41]
Quote HistoryQuoted: You’ve wired thousands of someone else’s money between banks? ETA: an acquaintance of mine in financial crimes investigations said if the OP follows through on advice from this thread it will result in felonies. Your “reasonable person standard” fails. No reasonable person is going to believe $2.2M suddenly ending up in their checking account is anything other than a mistake. You know it, I know it. The people from the bank know it. LE and courts will know it. Quote HistoryQuoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That's instant and doesn't have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. That’s a dangerous gamble. ETA: the intent by moving it is to profit, so it’s still fraud. Reasonable person standard. Would a reasonable person believe the balance available from their bank? Why yes, yes they would. I’ve wired hundreds of k between banks. Never was it a taxable event. It was moving cash…aka a wire transfer. You’ve wired thousands of someone else’s money between banks? ETA: an acquaintance of mine in financial crimes investigations said if the OP follows through on advice from this thread it will result in felonies. Your “reasonable person standard” fails. No reasonable person is going to believe $2.2M suddenly ending up in their checking account is anything other than a mistake. You know it, I know it. The people from the bank know it. LE and courts will know it. It’s not someone else’s money. It’s his. According to the bank that is his property. Don’t know where you’re from but in KY we take property rights very very seriously. Reasonable person standard is a legal term. Now if it’s an error or omission the bank insurance can cover that. If the sending bank authorized the wire, that is by their own admission HIS property. |
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Posted: 10/16/2023 10:56:33 PM EDT
[#42]
Quote HistoryQuoted: It’s not someone else’s money. It’s his. According to the bank that is his property. Don’t know where you’re from but in KY we take property rights very very seriously. Reasonable person standard is a legal term. @spidey07  I'm sorry, I have to laugh at this.
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Posted: 10/16/2023 10:56:37 PM EDT
[#43]
Btc one way ticket to elsalvador
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Posted: 10/16/2023 10:58:35 PM EDT
[#44]
Quote HistoryQuoted: @spidey07 I'm sorry, I have to laugh at this.Quote HistoryQuoted: Quoted: It’s not someone else’s money. It’s his. According to the bank that is his property. Don’t know where you’re from but in KY we take property rights very very seriously. Reasonable person standard is a legal term. @spidey07 I'm sorry, I have to laugh at this.See my edit. If the bank allows the wire, they admit it’s his property. That’s why I said don’t use a clearing house. (ACH) |
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Posted: 10/16/2023 10:58:48 PM EDT
[#45]
Quote HistoryQuoted: It’s not someone else’s money. It’s his. According to the bank that is his property. Don’t know where you’re from but in KY we take property rights very very seriously. Reasonable person standard is a legal term. Quote HistoryQuoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That's instant and doesn't have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. That’s a dangerous gamble. ETA: the intent by moving it is to profit, so it’s still fraud. Reasonable person standard. Would a reasonable person believe the balance available from their bank? Why yes, yes they would. I’ve wired hundreds of k between banks. Never was it a taxable event. It was moving cash…aka a wire transfer. You’ve wired thousands of someone else’s money between banks? ETA: an acquaintance of mine in financial crimes investigations said if the OP follows through on advice from this thread it will result in felonies. Your “reasonable person standard” fails. No reasonable person is going to believe $2.2M suddenly ending up in their checking account is anything other than a mistake. You know it, I know it. The people from the bank know it. LE and courts will know it. It’s not someone else’s money. It’s his. According to the bank that is his property. Don’t know where you’re from but in KY we take property rights very very seriously. Reasonable person standard is a legal term. Wiring that money would actually fall under federal statues so it doesn’t matter what the laws in KY state. Assuming what the OP posted is real, following your advice likely would put him in hot water. It would be fraud. |
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Posted: 10/16/2023 11:09:24 PM EDT
[#46]
Quote HistoryQuoted: Wiring that money would actually fall under federal statues so it doesn’t matter what the laws in KY state. Assuming what the OP posted is real, following your advice likely would put him in hot water. It would be fraud. Quote HistoryQuoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That's instant and doesn't have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. That’s a dangerous gamble. ETA: the intent by moving it is to profit, so it’s still fraud. Reasonable person standard. Would a reasonable person believe the balance available from their bank? Why yes, yes they would. I’ve wired hundreds of k between banks. Never was it a taxable event. It was moving cash…aka a wire transfer. You’ve wired thousands of someone else’s money between banks? ETA: an acquaintance of mine in financial crimes investigations said if the OP follows through on advice from this thread it will result in felonies. Your “reasonable person standard” fails. No reasonable person is going to believe $2.2M suddenly ending up in their checking account is anything other than a mistake. You know it, I know it. The people from the bank know it. LE and courts will know it. It’s not someone else’s money. It’s his. According to the bank that is his property. Don’t know where you’re from but in KY we take property rights very very seriously. Reasonable person standard is a legal term. Wiring that money would actually fall under federal statues so it doesn’t matter what the laws in KY state. Assuming what the OP posted is real, following your advice likely would put him in hot water. It would be fraud. Nope. Op thought he won the lottery. He has 2.2 mill cash, that the bank admits is his when they authorized the wire. That 2.2 mill can hire a good attorney. If they deny the wire, well he didn’t win the lottery then. It’s not fraud if you believe it. Have you ever wired large sums of money? I have. It’s a recorded line, via phone, you give permission to be recorded, name, trabsactions, etc with the issuing bank. So it’s on record they authorized it. |
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Posted: 10/16/2023 11:14:39 PM EDT
[#47]
Quote HistoryQuoted: I had that happen but with crypto. They were not closed, and fixed their mistake quickly. Before I could even comprehend what was going on. https://www.ar15.com/media/mediaFiles/193868/Screenshot_20230416_171007_Trust_Wallet_-2994424.JPG |
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Posted: 10/16/2023 11:14:48 PM EDT
[#48]
I think what happens really depends on how the money got into the account. If it came from outside the bank and the OP closed the account I don't think there's much the bank can do legally, although they might try because what bank isn't going to try and get a multi million dollar account customer their money?
https://www.fox8live.com/2021/04/09/former-jpso-dispatcher-arrested-after-refising-return-million-accidentally-placed-account/ This person had a million put in her account by Charles Swab. While she spent a lot of the money it was the local fuzz that perp walked her. I'm sure her being a dispatcher pissed them off. |
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Posted: 10/16/2023 11:23:40 PM EDT
[#49]
Quote HistoryQuoted: I had that happen but with crypto. They were not closed, and fixed their mistake quickly. Before I could even comprehend what was going on. https://www.ar15.com/media/mediaFiles/193868/Screenshot_20230416_171007_Trust_Wallet_-2994424.JPG Crypto is hard to track.. brain needs to click faster bro |
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Posted: 10/16/2023 11:24:10 PM EDT
[#50]
Quote HistoryQuoted: Nope. Op thought he won the lottery. He has 2.2 mill cash, that the bank admits is his when they authorized the wire. That 2.2 mill can hire a good attorney. If they deny the wire, well he didn’t win the lottery then. It’s not fraud if you believe it. Have you ever wired large sums of money? I have. It’s a recorded line, via phone, you give permission to be recorded, name, trabsactions, etc with the issuing bank. So it’s on record they authorized it. Quote HistoryQuoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Quoted: Transfer it to your high yield savings at another bank and start getting interest. When the bank realizes their mistake and wants it back , just transfer back and let them have it. In the meantime you got a some free interest and everyone is made right at the end. Then the IRS wants their cut and you pay more in taxes than the fuck up made you. Negative. You only owe taxes on the gains. Use a wire to transfer funds, not ACH. That's instant and doesn't have the delay of the clearing house. Use the phone to wire it. As long in do the wire by talking to and authorizing it by talking to somebody. You want to move that money right fucking now. With all due respect, if he moves that money from an account controlled by that bank into another outside of its control, he will have earned $2.2M in income -a taxable event. The government will argue that angle. Unless he pays it all back in the same tax year, interest included and probably fines and legal fees as the cherry on top. It opens a door OP doesn't want opened. If the bank tries to recover that money and it's no longer in his account, they will notify the IRS, maybe the FBI and certainly law enforcement local to him. They will invite the man into his life. 18 U.S. Code 1344 - Bank fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. Printing off balance receipts and trying to slay pussy is the best advice in this thread. He can set up an auto sweep into another account (high interest savings) with plausible deniability. The bank will contact him frantically and as long as he plays ball, tells them its coming back and remains contactable they won't do anything else. That’s a dangerous gamble. ETA: the intent by moving it is to profit, so it’s still fraud. Reasonable person standard. Would a reasonable person believe the balance available from their bank? Why yes, yes they would. I’ve wired hundreds of k between banks. Never was it a taxable event. It was moving cash…aka a wire transfer. You’ve wired thousands of someone else’s money between banks? ETA: an acquaintance of mine in financial crimes investigations said if the OP follows through on advice from this thread it will result in felonies. Your “reasonable person standard” fails. No reasonable person is going to believe $2.2M suddenly ending up in their checking account is anything other than a mistake. You know it, I know it. The people from the bank know it. LE and courts will know it. It’s not someone else’s money. It’s his. According to the bank that is his property. Don’t know where you’re from but in KY we take property rights very very seriously. Reasonable person standard is a legal term. Wiring that money would actually fall under federal statues so it doesn’t matter what the laws in KY state. Assuming what the OP posted is real, following your advice likely would put him in hot water. It would be fraud. Nope. Op thought he won the lottery. He has 2.2 mill cash, that the bank admits is his when they authorized the wire. That 2.2 mill can hire a good attorney. If they deny the wire, well he didn’t win the lottery then. It’s not fraud if you believe it. Have you ever wired large sums of money? I have. It’s a recorded line, via phone, you give permission to be recorded, name, trabsactions, etc with the issuing bank. So it’s on record they authorized it. I have wired large sums. Just because there’s a process doesn’t shield you from the penalties for committing fraud. In fact, when I’ve wired money I’ve received notice of penalties for committing wire fraud. I thought that was standard practice. ETA: also let’s not forget OP posted news of his windfall publicly. It’s not hard to connect the dots in this digital world. If he follows your advice, he’s already admitted to knowing it was a mistake. |
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