at this point i'm starting to think it would only be worse to notify the bank because a) i would lose the money (and i only have 500 in my account anyway) b) they would find out who made the mistake and fire them. i like to think that i am normally a moral person, but this situation is really testing me. what would you do?
2007-04-21 02:49:00 · 21 answers · asked by Alex 4 in Society & Culture ➔ Religion & Spirituality
this isnt from someone else's account its because they have had to refund me that amount a couple times before bc of my account being overdrawn but it being a mistake
2007-04-21 02:58:57 · update #1
I would tell them. One it the right thing to do. Two they could figure it out later and withdrawal that money from your account with out letting you know and you dont want to overdraw your account.
2007-04-21 02:58:20 · answer #1 · answered by brideofsatan_1 3 · 1⤊ 0⤋
It's not your money, so you have a moral obligation to return it.
The bank won't fire the employee who made this mistake. Things like this happen all the time. By not notifying them of this mistake, you are stealing.
Eventually, this error will be discovered and the bank will deduct the $192. If this happens when you have a low account balance, you could very easily start bouncing checks and be hit with all types of charges. At this point, you'd go to the bank exclaiming that it was their mistake in the first place, even though you had been aware.
Best bet-call them Monday morning and explain what has happened.
2007-04-21 02:56:24 · answer #2 · answered by iamnoone 7 · 1⤊ 0⤋
Yes, it's tough, but I would return it. It's not likely that they would fire anyone; it probably was the result of a computer glitch or input error--which means it is possible that another customer deposited the money into their account, but the bank put it into your account instead. That means that someone is probably missing $192.
It is not relevant whether you need the money, or even whether you deserve it. It does not belong to you.
Do the right thing and notify the bank. The best thing to do is not to call the main branch but to go back to the bank and speak to the teller who last served you. That way, they will have motivation to correct the mistake and can probably do so without thier boss fiunding out, which means you won't have to worry about them being fired.
: ) Hope the situation works out for everyone.
2007-04-21 02:57:09 · answer #3 · answered by Dan X 4 · 2⤊ 0⤋
You should notify the bank because they will find out their mistake and whether you have spent the money already or not you will have to give it back.
No one will be fired for that. Banks make mistakes all the time. My bank accidentally debited my account $865 last year and I had checks bouncing all over the place and not one bank employee got in trouble. I was the only one who had any trouble over that little mishap.
Peace
2007-04-21 02:55:59 · answer #4 · answered by Anonymous · 1⤊ 0⤋
It behooves you to notify them. The error will ultimately be discovered and rectified. If you spend the money knowingly, they can charge you with fraud. At the very least they will debit your account for the $192. If you don't have the funds in your account, they'll send you a nasty letter and may press charges.
There is no moral dilemma here. To spend money that is not yours, is stealing. Plain and simple.
2007-04-21 02:58:14 · answer #5 · answered by Anonymous · 2⤊ 0⤋
Simple truth, if you keep the money, and they decide to play hardball, you could face fraud or theft charges.
Banks are really mean about money, which is silly, considering how much they're willing to give away if you want to buy a house or a boat...
Save yourself a lot of hassle, be the good person in all of this, and be honest with them.
2007-04-21 02:57:12 · answer #6 · answered by Orac 4 · 1⤊ 0⤋
Is it your tax refund?
I'd inquire with the bank, before you lose track and they take it away from you when you need it the most and forget about it.
Then you'll get charged $29 in fees because you are 1 cent overdrawn.
It's GOOD to be the BANK!
2007-04-21 02:53:13 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I think you should inform the bank. Eventually they're going to find out and take the money back. It's probably better if that happens before you go out and buy stuff.
2007-04-21 03:05:14 · answer #8 · answered by Anonymous · 1⤊ 0⤋
Absolutely
2007-04-21 02:55:01 · answer #9 · answered by Anonymous · 1⤊ 0⤋
they are probably going to find out anyway sooner or later, computer age you know. Mistakes happen, nobody would get fired because they would blame the computer, and your premise (a) is rather stupid as it was not your money to begin with.
I don't see the moral dilemma in that.
2007-04-21 02:53:40 · answer #10 · answered by Anonymous · 4⤊ 0⤋