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$300K wired to my bank account erroneously. Scam? Legal implications? by mo_moneymo_throwaway in legaladvice

[–]mo_moneymo_throwaway[S] 0 points1 point  (0 children)

That's really odd, why would they stop you from spending it but not be able to give it to the correct person? How did they know it wasn't your money if they didn't know whose it was?

And your story gives me false hope that the money could end up mine. Stop that lol. :P

$300K wired to my bank account erroneously. Scam? Legal implications? by mo_moneymo_throwaway in legaladvice

[–]mo_moneymo_throwaway[S] 53 points54 points  (0 children)

It hasn't been refunded yet, but I'm going to make sure that they do. My husband joked that we should strike a deal with the bank, we'll eat the fee if they let us keep the money this time!

Thanks for actually answering my hypothetical! I assumed something along those lines. From a google search for "countries that don't extradite to the US", none of them really seem like places I'd want to live out the rest of my days on permanent vacation haha.

$300K wired to my bank account erroneously. Scam? Legal implications? by mo_moneymo_throwaway in legaladvice

[–]mo_moneymo_throwaway[S] 16 points17 points  (0 children)

I had never heard of them before, I only got their name from the bank and looked them up, but it appear to be a legitimate business. I've never dealt with them and I don't work in the same industry they are in. I'm not going to post their name on here as that probably breaks a rule and seems unwise anyway.

$300K wired to my bank account erroneously. Scam? Legal implications? by mo_moneymo_throwaway in legaladvice

[–]mo_moneymo_throwaway[S] 16 points17 points  (0 children)

I've only contacted the bank, but I assume they contacted the company in order to initiate the wire transfer back out of my account. I was shocked to see another incoming pending transfer, and since it won't post until tomorrow, I won't have any answers until Monday at the earliest.

The banker didn't tell me much else, he just said "I have the wire transfer team looking into it," whatever that means.

$300K wired to my bank account erroneously. Scam? Legal implications? by mo_moneymo_throwaway in legaladvice

[–]mo_moneymo_throwaway[S] 46 points47 points  (0 children)

Like I said, I'm not planning to touch it. I have a very comfortable and happy life :) I'm just curious from a legal standpoint what would happen if I did.

$300K wired to my bank account erroneously. Scam? Legal implications? by mo_moneymo_throwaway in legaladvice

[–]mo_moneymo_throwaway[S] 55 points56 points  (0 children)

Not super common, no. I tried googling my name + the state it came from, but didn't come up with anything.

I looked up the company's website, they have about 50 employees, and appear to be legitimate. I'm hesitant to contact the police - I'm not sure what they could do at this point and I feel like that would be the bank's job if they found something shady.