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Posted: 10/16/2023 11:36:47 PM EDT
[#1]
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. 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. I’m in KY. YOU ARE GOING TO PRISON. |
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Posted: 10/16/2023 11:37:04 PM EDT
[#2]
They'll take it back.
When I was in college my parents transferred me money to help with expenses. The bank took it once from my parents but put it in my account twice. When they took it back, they took both transactions, so I had a check bounce. Which was fun. |
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Posted: 10/16/2023 11:39:47 PM EDT
[#3]
Quote HistoryQuoted: Unwise to do anything other than contact them asap and explain. Ymmv 
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Posted: 10/16/2023 11:44:57 PM EDT
[#4]
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Posted: 10/16/2023 11:47:57 PM EDT
[#5]
They'll take it back, and the interest.
I had a friend, a very successful business man, who had that happen once. The bank put four hundred thousand in his checking account by mistake. They didn't figure out there was a problem for two years. Now just because my friend was successful didn't mean he was really good with money. His checking account was rather hefty as he never really bothered to balance it. He just kept putting money in it and honestly didn't have a clue what was happening. What happened was his son transferred funds into investment accounts and the four hundred thousand was included in that transfer. The bank finally got around to tracking down the money and demanded it on the spot. My friend, being a very gregarious drinking man told the bank manager to go fuck himself. Again, he had no idea how much money he had and just figured the bank was trying to rip him off. I got to hear him testify in court when the bank sued him. It was like putting Ron White on the witness stand. The poor judge nearly had to clear the courtroom because it was very hard to keep from laughing. The bank got their money back. They always get their money back. |
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Posted: 10/16/2023 11:54:25 PM EDT
[#6]
You could mess with the bank and say you would like to withdraw it in cash tomorrow afternoon.
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Posted: 10/16/2023 11:57:00 PM EDT
[#7]
Quick- get in touch with Hunter and tell him you’ll give the big guy 10% if he gets the prosecutor who comes after you fired
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Posted: 10/17/2023 12:00:27 AM EDT
[#8]
It says right on the screenshot: Send it to me using Zelle.
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Posted: 10/17/2023 12:04:49 AM EDT
[#9]
Quote HistoryQuoted: At least you can now be a millionaire like everyone else on here. To be fair, 2.2m is entry level, junior class. Not worth bragging about. It’s not 2005 anymore. |
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Posted: 10/17/2023 12:07:40 AM EDT
[#10]
Quote HistoryQuoted: 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. I bet you guys are a blast at parties. OP. Transfer it all to bitcoin. Fly to Ukraine and set up a nonprofit that focuses on helping Ukrainian women looking for a new home. Send all the bitcoin to your non profit. Cut Cornpops nemesis a check for his 10% and then take the rest back home with your new war bride. Boom |
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Posted: 10/17/2023 12:26:15 AM EDT
[#11]
Why do you have $2 Mil plus in one bank? Do you not understand how FDIC works? Have you never heard of the great depression? I heard there's going to be a run on he banks and financial collapse come Monday. Best to transfer the bulk of it to 9 other FDIC backed institutions in increments of $250K. For the safe keeping.
And why in the fuck do you regularly keep $35k in a checking account to start with? That's throwing away good money right there. Could buy an ACOG in a year with the interest from that. |
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Posted: 10/17/2023 12:31:28 AM EDT
[#12]
I think that's enough to rent a Swiss soccer player chick.
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Posted: 10/17/2023 1:25:27 AM EDT
[#13]
Could op submit instructions to wire all this tomorrow/submit request from another bank? Is this like a wire for $100 or is there special checks and balances on this amount
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Posted: 10/17/2023 1:35:50 AM EDT
[#14]
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. This. If you'd like to do two girls at the same time... Bigger_Hammer 
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Posted: 10/17/2023 2:32:28 AM EDT
[#15]
Quoted: They are closed. Should I be like those I see in the news, keep quiet and spend it all? https://www.ar15.com/media/mediaFiles/467407/IMG_8335_jpeg-2994371.JPG Depends....what color are you? |
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Posted: 10/17/2023 2:58:46 AM EDT
[#16]
Quote HistoryQuoted: I bet you guys are a blast at parties. OP. Transfer it all to bitcoin. Fly to Ukraine and set up a nonprofit that focuses on helping Ukrainian women looking for a new home. Send all the bitcoin to your non profit. Cut Cornpops nemesis a check for his 10% and then take the rest back home with your new war HAREM, STABLE OF WHORES, ETC. Boom FICKSED IT for you. |
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Posted: 10/17/2023 3:11:22 AM EDT
[#17]
Quote HistoryQuoted: Something like that happened at a bank where I was working, back in 1985. A teller in the Wire Transfer Department mistakenly put about $750K into a low-balance checking account that belonged to a poor couple who lived in a trailer park. The couple went straight to the press after the bank's security director, whose nickname was Moose, banged on their door and demanded that they return the money. Their story was that they had given a bunch of it to a missionary in Africa, after paying off their kids' debts (a house and a couple of cars IIRC.) Bank ended up recovering most of it but had to write off about 1/3 of the money. Ah trailer park dwellers- crying to the media because they were not allowed to steal the whole 750k…. What dipshits. |
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Posted: 10/17/2023 3:14:18 AM EDT
[#18]
This
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Posted: 10/17/2023 5:17:52 AM EDT
[#19]
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. Maybe a fun option but not likely to work: At 4.5%, you’ll pull in $8k a month while the bank figures out what to do with the money gone. The other bank will slow the process too. If you go 2-3 weeks between correspondence with the bank and their lawyers, the whole process could easily take easily 60-90 days to unfuck the situation. You keep the interest between now and then. |
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Posted: 10/17/2023 5:50:36 AM EDT
[#20]
Quote HistoryQuoted: Where did the transfer come from? A Nigerian prince, where else, duh? |
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Posted: 10/17/2023 6:16:56 AM EDT
[#21]
Quote HistoryQuoted: 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. OP could ask his bank for a proof of funds letter and see what their reaction is. 
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Posted: 10/17/2023 6:24:28 AM 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. |
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Posted: 10/17/2023 6:25:24 AM EDT
[#23]
Quote HistoryQuoted: Use it to buy crypto and a one way ticket to Uruguay. |
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Posted: 10/17/2023 6:30:12 AM EDT
[#24]
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: 10/17/2023 6:51:14 AM EDT
[#25]
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. Phone call to issuing bank, recorded line, I authorize. Done. 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. Phone call to issuing bank, recorded line, I authorize. Done. FREE FUKN MONEY... Amirite, Spidey? |
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Posted: 10/17/2023 7:03:30 AM EDT
[#26]
Quote HistoryQuoted: Who's to say it was a mistake? How's your karma? We used to have a neighbor that was a preacher/church family. We had some calves go missing and finally found them on the other side of their property as they were up by the road one day. When quizzed by the SO about it "we thought the lord blessed us".. Mind you we had asked them if they had seen them. My point in that is maybe the lord blessed you so lets move to step 2 OP, if it's still there on Thursday let's take this over to the other side of GD and brainstorm your next move to a Nonextradition country and possibly faking your death. |
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Posted: 10/17/2023 7:07:16 AM EDT
[#27]
What if, wait for it, you put a pressure washer under your cart and the cashier doesn't scan it. It's your pressure washer now boys!
Brutal. Here is what happens: OP moves the money. The bank will quickly (likely) find out what happened when their accounts don't settle, or the intended recipient reports not receiving their money. Bank locks the account and deducts the entire amount. They contact the bank it goes to and provides that bank with a hold harmless (indemnity letter) to return the money back to the BOFD (bank of first deposit). The other bank locks your account pending the resolution. Any interest generated (if any at all) would be held and returned to the BOFD after some legal paper is shuffled back and forth. Both accounts end up closed. I have first hand experience in this very thing (not bank mistakes but dealing with fraudulent wires/transfers/etc going from bank to bank). When it's all said and done, OP will rely on the compassion of bank attorneys as to whether or not they take any other action, ie. report it to the various ABC agencies that watch this type of stuff for what could be bank fraud. This thread has been a great character exercise. ETA: Oh and putting all of this on a public forum helps with that little intent piece and refutes any possible plausibly deniability anyone may have. |
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Posted: 10/17/2023 7:09:16 AM EDT
[#28]
Quote HistoryQuoted: That would burn me up that I had to lift a finger for a bank fuckup. Is 11k a lot for a checking account? Quote HistoryQuoted: Quoted: I had a bank accidentally issue a Debit card to someone and they tied it to my checking account which had 11K in it at the time as I was about to pay off a contractor for some work. The low lifes drained $500 a day out of it until it was down to 2K. The bank had video of them going through the bank drive through ATM and they also went to a casino in Connecticut for a couple days. The bank at first said I didn't protect my number so someone else got it and I may face a penalty for that but when they got the video of the drive through, I just ended up having to go to the local police and file a police report (I'm guessing so they could press charges), then they sent me a letter briefly stating they refunded all my money and call if I have any questions. That would burn me up that I had to lift a finger for a bank fuckup. Is 11k a lot for a checking account? Yes- I was annoyed I had to take a half day of vacation and go to the police station, not to mention initially being threatened with a penalty for not protecting my ATM code. |
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Posted: 10/17/2023 7:13:43 AM EDT
[#29]
Quote HistoryQuoted: Ah trailer park dwellers- crying to the media because they were not allowed to steal the whole 750k . What dipshits. Quote HistoryQuoted: Quoted: Something like that happened at a bank where I was working, back in 1985. A teller in the Wire Transfer Department mistakenly put about $750K into a low-balance checking account that belonged to a poor couple who lived in a trailer park. The couple went straight to the press after the bank's security director, whose nickname was Moose, banged on their door and demanded that they return the money. Their story was that they had given a bunch of it to a missionary in Africa, after paying off their kids' debts (a house and a couple of cars IIRC.) Bank ended up recovering most of it but had to write off about 1/3 of the money. Ah trailer park dwellers- crying to the media because they were not allowed to steal the whole 750k . What dipshits. They played the dumb/religion card. The headline in the business section of San Diego's largest local newspaper read "Gift From God Turns Into Great American Nightmare". (The institution was called Great American Bank at the time.) |
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Posted: 10/17/2023 7:21:50 AM EDT
[#30]
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Posted: 10/17/2023 7:35:27 AM EDT
[#31]
I’d be gone so fast there would be a smoke trail.
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Posted: 10/17/2023 7:49:25 AM EDT
[#32]
I would just go to the bank in person in the morning with a reporter and fix the problem.
Why a reporter …. Power level 9000 of virtue signaling would be reached. |
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Posted: 10/17/2023 7:56:32 AM EDT
[#33]
Quote HistoryQuoted: Could op submit instructions to wire all this tomorrow/submit request from another bank? Is this like a wire for $100 or is there special checks and balances on this amount Every employee in a bank has a transaction limit, above which higher approval up to the C level or board of directors is required. Limits are not necessarily enforced by computer systems. |
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Posted: 10/17/2023 8:09:31 AM EDT
[#34]
Quote HistoryQuoted: Print out a statement (print several dozen), go to the nearest college bar, become sugar daddy for the night. They'll figure it out and take it back. If you are impatient call them and tell them about it. Get ATM balances printed |
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Posted: 10/17/2023 8:25:02 AM EDT
[#35]
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. 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. I’m 99.9% sure it’s in the user agreement he signed to open the account that any erroneous deposits by the bank must be returned and cannot be spent, transferred, used to gain interest, etc. Too bad you didn’t get the glitch deposit because this thread would’ve been funnier once your mugshot got posted. |
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Posted: 10/17/2023 8:41:21 AM EDT
[#36]
conjugal visits
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Posted: 10/17/2023 8:51:28 AM EDT
[#37]
Move it to a high yield savings and let them know next year.
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Posted: 10/17/2023 8:53:17 AM EDT
[#38]
They got it back already.
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Posted: 10/17/2023 8:53:58 AM EDT
[#39]
Quote HistoryQuoted: @amediocreshooter FYI, people have gone to jail for spending money that is obviously not theirs in the same situation as you. Would I really have been spending it though? I'd give it back immediately. |
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Posted: 10/17/2023 9:46:05 AM EDT
[#40]
Quote HistoryThat exact image came to mind for me too. 
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Posted: 10/17/2023 9:48:07 AM EDT
[#41]
Do you have enough in your account for a Big Mac now?
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Posted: 10/17/2023 9:49:11 AM EDT
[#42]
Quote HistoryQuoted: Would I really have been spending it though? I'd give it back immediately. Quote HistoryQuoted: Quoted: @amediocreshooter FYI, people have gone to jail for spending money that is obviously not theirs in the same situation as you. Would I really have been spending it though? I'd give it back immediately. The crime is committed once the money is moved, regardless as to when it's repaid. If you take something from a store that your did not buy or are otherwise not entitled to and get caught, are you still criminally liable for the theft in the first place? The answer is yes. |
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Posted: 10/17/2023 9:55:07 AM EDT
[#43]
Quote HistoryQuoted: The crime is committed once the money is moved, regardless as to when it's repaid. If you take something from a store that your did not buy or are otherwise not entitled to and get caught, are you still criminally liable for the theft in the first place? The answer is yes. I saw a news segment on this the other day. The bank was suing a woman. But the woman had a lawyer and he was claiming that the woman made no effort to steal the funds, so how could she be charged with theft.. Also.. Lets say OP had a crypto account that he uses..So he could readily buy coins.. And he bought 2 million worth of bitcoin, Transferred it to a wallet. Then bought a ticket to where ever the good ol USA cant do shit... How would that play out? |
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Posted: 10/17/2023 9:57:44 AM EDT
[#44]
Quote HistoryQuoted: They got it back already. Folks have spent that amount faster than the amount of time you had it that amount. |
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Posted: 10/17/2023 10:00:18 AM EDT
[#45]
Now put 2.2 mill in the banks account. See how long it takes you to get it back.
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Posted: 10/17/2023 10:02:10 AM EDT
[#46]
You should have went to an ATM and printed out a bunch of balance check slips. Then "accidentally" drop them to be discovered by hot, yet superficial chicks.
Interest on $22M for one day, at 5% is $3K. you could demand at least that much for emotional distress from seeing the money disappear |
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Posted: 10/17/2023 10:02:44 AM EDT
[#47]
Quote HistoryQuoted: It’s not someone else’s money. It’s his. LOL. No it fucking isn’t. |
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Posted: 10/17/2023 10:13:16 AM EDT
[#48]
Someone at that bank is going to get loved tenderly.
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Posted: 10/17/2023 10:19:35 AM EDT
[#49]
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Posted: 10/17/2023 10:22:17 AM EDT
[#50]
Quote HistoryQuoted: They got it back already. From rags, to riches and back to rags. Glad you didn't touch it. It would have been bad. |
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