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(Delaware Online)   College student who got an $1800 cash machine overpayment takes four days to finally conclude that ATMs have cameras   (delawareonline.com) divider line 89
    More: Obvious, University of Delaware, branch manager, Ellicott City  
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9454 clicks; posted to Main » on 05 Mar 2013 at 9:41 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-03-05 08:11:52 AM
Which is why you should always go to an ATM with a ski mask.

/although, apparently the ATM never just accidentally "spits out money"... it only spits out money that is "accidentally" coming from someone elses account.
//so, you'd feel bad about that.
 
2013-03-05 09:43:34 AM
This is why you don't go ATM...
 
2013-03-05 09:46:59 AM
Good for him. Honesty is in short supply. Most people can somehow justify stealing in their own minds. Just the way the world is now.
 
2013-03-05 09:47:14 AM
Its not theft if the machine malfunctions. Bank should have to pay for the error from their own accounts.
 
2013-03-05 09:47:54 AM
He's going to be kicked out of his banking and finance program when the dean finds out.
Nobody with his kind of ethics will succeed in that business.
 
2013-03-05 09:48:03 AM
I understand a 'teller error' is all on the bank.   Does that apply to ATM transactions as well?   If so, he could have kept the money, it was not a crime to take it.    Bank error.

/would give back the money
//it's happened
 
2013-03-05 09:49:22 AM

indarwinsshadow: Good for him. Honesty is in short supply. Most people can somehow justify stealing in their own minds. Just the way the world is now.


It only took 15 seconds for just that to happen.
 
2013-03-05 09:54:13 AM
Bank error in your favor my ass!

YOU LIED TO ME COMMUNITY CHEST!
 
2013-03-05 09:55:16 AM
Y'know, I would not feel very guilty about this had I kept the money. I mean, it's a bank error/ machine malfunction.
 
2013-03-05 09:55:25 AM

indarwinsshadow: Good for him. Honesty is in short supply. Most people can somehow justify stealing in their own minds. Just the way the world is now.


People were unable to justify their stealing in the past and the moral turmoil they felt made it a better time.  Now the world is completely farked.
 
2013-03-05 09:55:46 AM
Dumbass. A real finance major would thing that money was due him anyway and taken it. He has no future in that business.
 
2013-03-05 09:56:04 AM
isn't the videotaping of you breaking wiretapping laws or something?
 
2013-03-05 09:56:09 AM

Rhypskallion: I understand a 'teller error' is all on the bank.   Does that apply to ATM transactions as well?   If so, he could have kept the money, it was not a crime to take it.    Bank error.

/would give back the money
//it's happened


Nope not the way it works in my experience, a drive thru teller once gave me $200.00 cash back instead of the $20.00 I was asking for with a deposit, the bank called and gave me 24 hours to deposit the $180 before they debited my account.
 
2013-03-05 09:58:15 AM
Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.
 
2013-03-05 09:58:20 AM

You Are All Sheep: isn't the videotaping of you breaking wiretapping laws or something?


No.
 
2013-03-05 09:59:13 AM

indarwinsshadow: Good for him. Honesty is in short supply. Most people can somehow justify stealing in their own minds. Just the way the world is now.


Yes, as opposed to the glorious past where no such people existed. Dummkopf.
 
2013-03-05 10:04:15 AM
I have no sympathy for banks. Not since they started advertising this 'keep the change' crap as a benefit.

So...If I buy something for $1.50, you guys will just round it up to $2?
...yes.
Then you will take the extra 50 cents and automatically deposit it into my savings?
...yes,
So you are taking my money and giving it back to me?
...yes.
And you are spending thousands to advertise this to me as a perk?
...well, yes.
 
2013-03-05 10:11:49 AM
they didn't USED to have cameras

/truuuust me
 
2013-03-05 10:12:13 AM
4 days?  C'mon folks, throw him in jail for 4 days and see how long it takes next time. And he had to ask his Dad what to do if I read the article right.
 
2013-03-05 10:14:19 AM
Not sure the camera would have helped the bank much if he didn't insert his card. They would have no idea where to start looking for him, and it wouldn't make the news since it wasn't really a robbery, was it?
 
2013-03-05 10:15:48 AM

Tricky Chicken: Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.


I don't know...maybe because IT'S NOT HIS FARKING MONEY!!!

You farking dumbass.
 
2013-03-05 10:16:18 AM
people people... the real question here is why the other student whose account was accidentally debited is able to withdraw $1800 from an ATM?  I can only get $400/day (although a loaded friend of mine convinced BOA to raise his daily limit to $1000).  Even if this other student doesn't have a higher daily limit, what was he/she doing with $1800 in their checking account anyway?  Must be a drug dealer I tell you.  Kids these days.  Get off my lawn.
 
2013-03-05 10:18:22 AM

DontMakeMeComeBackThere: Tricky Chicken: Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.

I don't know...maybe because IT'S NOT HIS FARKING MONEY!!!

You farking dumbass.


Why not? It was given to him as a gift by the bank
 
2013-03-05 10:19:33 AM
He's more honest than some banks I've had accounts with.

I fought with WaMu for 2 months over $500 that they just decided to deduct from my account. I had to give up on their customer service reps and got a manager at one of their locations to look into it. She got it straightened out in a couple of days. Of course, then I had to ask for the interest (even though it was only pennies, that money still should have been earning interest). They reluctantly paid.

They were shocked when I walked into a branch and closed my accounts. All of a sudden they wanted to kiss my feet.

Fark your customers over enough and they will leave you. If an ATM spat out $1800 for me, I'd wait until they asked for it back.
 
2013-03-05 10:22:07 AM
I always find it amusing how banks are quick to get their money back, but drag their feet getting your money back.
 
2013-03-05 10:22:19 AM

Tricky Chicken: Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.



www.details.com

good answer, good answer. I like the way you think.
 
2013-03-05 10:25:58 AM

DontMakeMeComeBackThere: Tricky Chicken: Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.

I don't know...maybe because IT'S NOT HIS FARKING MONEY!!!

You farking dumbass.


I'm sure you turn every penny you find on the sidewalk over to the police so they can find it's rightful owner. ::rolleyes::
 
2013-03-05 10:27:59 AM
He just unknowingly failed his initiation into the University of Delaware's Skull and Bones branch, aptly titled "Smoke and Bongs".
 
2013-03-05 10:28:05 AM
Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.

I don't know...maybe because IT'S NOT HIS FARKING MONEY!!!

You farking dumbass.



Doesn't it become his money once it's handed to him?
 
2013-03-05 10:29:02 AM
It was a long while ago, but I had a bank call me up the next day to let me know they shorted me by like $25 on a withdraw at the teller.  They apparently get in trouble if they are off on their balance in either direction. So anyway, there's that to help 'balance' the scales.
 
2013-03-05 10:47:28 AM

fredklein: DontMakeMeComeBackThere: Tricky Chicken: Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.

I don't know...maybe because IT'S NOT HIS FARKING MONEY!!!

You farking dumbass.

I'm sure you turn every penny you find on the sidewalk over to the police so they can find it's rightful owner. ::rolleyes::


Well, there is a bit of a difference in finding a $100 bill lying on the street, and a $100 bill popping out of an ATM before you put your card into it.

The later is the same as if you actually saw the $100 bill drop from someones pocket and then it was lying on the street.... you know whose money it really "is", so, you should give it back.    But, a random coin or money on the street.... at that point, it is yours, since it is not really traceable.
 
2013-03-05 10:47:54 AM
He had to give the money back, but it was the bank's fault, the bank's problem.  It was up to them to go to him and say, "You received too much money, we need you to return it."

Meanwhile banks still borrow money at virtually 0% interest and make money off it.

So yeah, be outraged that this guy didn't make a beeline for the nearest police station and confess himself an enemy of the state.
 
2013-03-05 10:48:06 AM
I had a bank attached ATM feed the wrong amount out one time. Wasn't much, I think it was around $100 extra. I didn't pay much attention at the time as I was going drinking. I still had cash the next morning which was odd. They took it out of my account in a day or so.
 
2013-03-05 10:51:09 AM
BOSCO

encrypted-tbn3.gstatic.com
 
2013-03-05 10:56:02 AM

dletter: Well, there is a bit of a difference in finding a $100 bill lying on the street, and a $100 bill popping out of an ATM before you put your card into it.


What, exactly, is this difference?

The later is the same as if you actually saw the $100 bill drop from someones pocket and then it was lying on the street.... you know whose money it really "is", so, you should give it back.

How, exactly, do I "know" who's money it is in an ATM?

But, a random coin or money on the street.... at that point, it is yours, since it is not really traceable.

Are you sure? No eye witnesses? No cameras? maybe you could wait until tomorrow and ask passersby if they lost money, since it might be someone who travels that route every day. Are you really sure it's not traceable? Or is that an excuse to pocket the cash? What makes you different that someone who finds a bill in an ATM?
 
2013-03-05 10:59:59 AM

DontMakeMeComeBackThere: Tricky Chicken: Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.

I don't know...maybe because IT'S NOT HIS FARKING MONEY!!!

You farking dumbass.


My dumbassitude aside.

If some dumbass just hands me a grand, what obligation do I have to give it back later?  I am not questioning the morality, I am questioning the legality.  It seems that ATMs are there for two reasons 1. for customers to get money after bank hours, and 2. so the bank doesn't have to waste money paying for pesky tellers.  If a machine spit out a load of five one hundred dollar bills instead of twenties when you withdrew $100, now you are responsible for safeguarding it until you can return it to the bank?

I would argue that as soon as the machine gave him the money, IT BACAME HIS FARKING MONEY!!!  If the guy around the corner pulled a gun and robbed him, is he still responsible for reimbursing the bank?  He didn't want that cash on him?  Should he tell the robber "you can't have this money, it isn't mine."  By your argument, this guy would be out $1,800.  In your world, he should just leave the cash on top of the machine and walk away.  Iw would be best not to take responsibility for it.
 
2013-03-05 11:03:43 AM

dletter: Which is why you should always go to an ATM with a ski mask.

/although, apparently the ATM never just accidentally "spits out money"... it only spits out money that is "accidentally" coming from someone elses account.
//so, you'd feel bad about that.


A nylon stocking works, too.
s12.postimage.org
THIS IS A STICKUP!!!
 
2013-03-05 11:09:12 AM
Wells Fargo just charged me a $12.50 "overdraft transfer fee" to automatically move my money from my savings account to my checking account.  Gosh, I'd feel real bad if their ATM accidentally gave away $1800. That'd be as though this great corporation was robbed of their hard-earned money for performing this service for 144 people!
 
2013-03-05 11:21:14 AM

Tricky Chicken: I have no sympathy for banks. Not since they started advertising this 'keep the change' crap as a benefit.

So...If I buy something for $1.50, you guys will just round it up to $2?
...yes.
Then you will take the extra 50 cents and automatically deposit it into my savings?
...yes,
So you are taking my money and giving it back to me?
...yes.
And you are spending thousands to advertise this to me as a perk?
...well, yes.


You don't think offering clients a service that allows them to set money back on the regular based on their monthly spending is a perk?
 
2013-03-05 11:27:07 AM
I was at the grocery store, I asked for 3 cartons of cigarettes.  They were Tahoes, $14.99/carton (this was several years ago).  She rang up one, put all 3 in a bag, then said "That will be $17" (guessing on post tax amount).  She only charged me for 1 carton.  I paid her and left.  Was I obligated to say "no, it costs more than that" or point out there error?
 
2013-03-05 11:38:53 AM

Tricky Chicken: I have no sympathy for banks. Not since they started advertising this 'keep the change' crap as a benefit.

So...If I buy something for $1.50, you guys will just round it up to $2?
...yes.
Then you will take the extra 50 cents and automatically deposit it into my savings?
...yes,
So you are taking my money and giving it back to me?
...yes.
And you are spending thousands to advertise this to me as a perk?
...well, yes.


I've never heard of this.

It makes no sense at all to me.

If I'm buying something with a card, I want the card charged for the amount of the transaction, and only the amount of the transaction.  I don't want it monkeying around with my account balances.

If I'm buying something with cash, I don't want the bank involved at all, that's why I'm paying cash.  Give me my damn change.
 
2013-03-05 11:40:25 AM
So basically..

- Person A puts $2k in a bank
- Bank builds machine to allow people to get that money
- Person B uses machine, accidentally gets $1,800 of Person A's money as a result of Bank's error
- 4 days later, Person B returns money

I think from the comments in this thread it's clear there's an expectation that a) Person B might've kept the money legally, with the primary factor being a moral question (eg do you feel guilty, and can you live with that), and the moral question being somewhat related to b) the bank would be responsible for reimbursing Person A for the money, as they are at fault.

I would return the money out of guilt because I know for at least a few days Person A is probably having a panic attack, but it would be easier if I think b) was more reliable. I feel like any bank would trip over itself to claim Person A took the money (unless there's a camera, do all have those now?) and do everything possible to not have to pay the money back. I personally would be pissed at Person B for those 4 days, even if it was the Bank's fault, because he's walking around with my money. That doesn't make it Person B's fault, but it also doesn't make things any easier to resolve.

And yeah, I think even if you would happily take the money you have to at least admit that there's a poor sap out there who is (at least temporarily) out a lot of money.

/Dick option: in 2 months siphon $1,800 from Person B's account into Person A's and see how B responds
 
2013-03-05 12:00:18 PM

stonicus: I was at the grocery store, I asked for 3 cartons of cigarettes.  They were Tahoes, $14.99/carton (this was several years ago).  She rang up one, put all 3 in a bag, then said "That will be $17" (guessing on post tax amount).  She only charged me for 1 carton.  I paid her and left.  Was I obligated to say "no, it costs more than that" or point out there error?


similarly i was once at compUSA buying a hard drive and a small flash drive.  the stupid girl at the register scanned the flash drive, threw it in the bag, removed the security tag from the hard drive, threw the hard drive in the bag and then rang me up at a total of around 18 bucks.

the hard drive was like 200.

i paid my 18 bucks and left.

/that hard drive is still going strong.
 
2013-03-05 12:15:14 PM
I made a large deposit at a BofA (>50k).  The teller made a typo and as a result but my deposit in someone else's account.  BofA did not catch the error; the other customer found the error when checking their balance the following morning.  It took multiple phone calls and sitting in the branch for a couple of hours to get this fixed.  Fark BofA.
 
2013-03-05 12:18:43 PM

Tricky Chicken: DontMakeMeComeBackThere: Tricky Chicken: Why wouldn't he be justified in keeping it?  Did he demand money that wasn't his? Did he try to hack the machine? Did I read the article? There is really no answer to these questions.

I don't know...maybe because IT'S NOT HIS FARKING MONEY!!!

You farking dumbass.

My dumbassitude aside.

If some dumbass just hands me a grand, what obligation do I have to give it back later?  I am not questioning the morality, I am questioning the legality.  It seems that ATMs are there for two reasons 1. for customers to get money after bank hours, and 2. so the bank doesn't have to waste money paying for pesky tellers.  If a machine spit out a load of five one hundred dollar bills instead of twenties when you withdrew $100, now you are responsible for safeguarding it until you can return it to the bank?

I would argue that as soon as the machine gave him the money, IT BACAME HIS FARKING MONEY!!! If the guy around the corner pulled a gun and robbed him, is he still responsible for reimbursing the bank?  He didn't want that cash on him?  Should he tell the robber "you can't have this money, it isn't mine."  By your argument, this guy would be out $1,800.  In your world, he should just leave the cash on top of the machine and walk away.  Iw would be best not to take responsibility for it.


the Terms and Conditions of your bank beg to differ.
 
2013-03-05 12:20:15 PM

stonicus: I was at the grocery store, I asked for 3 cartons of cigarettes.  They were Tahoes, $14.99/carton (this was several years ago).  She rang up one, put all 3 in a bag, then said "That will be $17" (guessing on post tax amount).  She only charged me for 1 carton.  I paid her and left.  Was I obligated to say "no, it costs more than that" or point out there error?


I think, technically, it's fraud. just my guess though
 
2013-03-05 12:24:26 PM

frepnog: stonicus: I was at the grocery store, I asked for 3 cartons of cigarettes.  They were Tahoes, $14.99/carton (this was several years ago).  She rang up one, put all 3 in a bag, then said "That will be $17" (guessing on post tax amount).  She only charged me for 1 carton.  I paid her and left.  Was I obligated to say "no, it costs more than that" or point out there error?

similarly i was once at compUSA buying a hard drive and a small flash drive.  the stupid girl at the register scanned the flash drive, threw it in the bag, removed the security tag from the hard drive, threw the hard drive in the bag and then rang me up at a total of around 18 bucks.

the hard drive was like 200.

i paid my 18 bucks and left.

/that hard drive is still going strong.


In 1998 I went to buy a DVD player at Circuit City. When I went to pay for it I wrote out a check and gave it to the guy, he rang me up and handed me the receipt, some promotional paper work about the DVD player and movies, and my check.  It took me about 30 seconds to realize what he had done and about another 20 for my conscious to get to me and point out to him that he gave me the check back.
 
2013-03-05 12:27:04 PM

Tricky Chicken: I would argue that as soon as the machine gave him the money, IT BACAME HIS FARKING MONEY!!!


Hope you never find yourself in that situation if you think that.
 
2013-03-05 12:44:54 PM

bdub77: Bank error in your favor my ass!

YOU LIED TO ME COMMUNITY CHEST!


No shiat.
 
2013-03-05 01:02:08 PM

chasd00: Tricky Chicken: DontMakeMeComeBackThere: Tricky Chicken: .

the Terms and Conditions of your bank beg to differ.


Exactly what legal status do the Terms and Conditions of the bank have in this matter?

ongbok: Tricky Chicken: I would argue that as soon as the machine gave him the money, IT BACAME HIS FARKING MONEY!!!

Hope you never find yourself in that situation if you think that.


OK, and your point is...what exactly?  Do you heve even the slightest clue what I would do if I found myself in this situation? Please, using all the best deductive reasoning you can muster and the information you have readily at hand in this very discussion, predict what I am most likely to do in a similar situation. Please rationalize your response.
 
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