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(ABC)   Bank accidentally deposits $31,000 into teen's account. Underachiever teen only managed to spend $25,000 in the ten days before the error was caught   (abcnews.go.com) divider line 363
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12399 clicks; posted to Main » on 28 Mar 2014 at 2:38 PM (20 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2014-03-28 02:05:39 PM
Poor guy. Poor, stupid guy. REALLY poor, stupid guy.
 
2014-03-28 02:18:43 PM
protip: That whole "It's their responsibility" is a lie
 
2014-03-28 02:40:18 PM
Bank Error in Your Favor-collect $25,000

Good for him. He's underage so no prison time
 
2014-03-28 02:41:03 PM
Technically a teen, legally an adult, really a dumbass.
 
2014-03-28 02:42:09 PM

doubled99: Bank Error in Your Favor-collect $25,000

Good for him. He's underage so no prison time


Article says 18.

// and if he were underage, they would go after the parents.
 
2014-03-28 02:42:48 PM

doubled99: Bank Error in Your Favor-collect $25,000

Good for him. He's underage so no prison time


18 isn't underage unless you're drinking.
 
2014-03-28 02:43:20 PM
fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.
 
2014-03-28 02:43:41 PM
It's a bank. They knew what they were getting into.

I say, Fark them. Let him keep it.
 
2014-03-28 02:43:52 PM

fruitloop: Technically a teen, legally an adult, really a dumbass.


Yeah, also, what kind of dumbass blows most of his "inheritance" in 10 days :P
 
2014-03-28 02:44:45 PM
FTA: A stack of hundred dollar bills are seen in this stock photo.

Thanks guys.
 
2014-03-28 02:44:50 PM
From the Article:

The bank told police they would give Fields a deadline of March 19, 5 p.m. to return all the money or they want him prosecuted. On Thursday, the Madison County Sheriff's Office said charges had not yet been filed related to this case.

While he obviously has no legal claim to the money, I wonder what specific crime the bank would prosecute him with?

It seems more like a civil matter than criminal to me.
 
2014-03-28 02:45:26 PM
Hey, I mean, the bank would be understanding if one of their customers made an honest mistake, so let's not dump on them too much
 
2014-03-28 02:45:28 PM
A stack of hundred dollar bills are seen in this stock photo.
 
2014-03-28 02:45:30 PM

JesusJuice: fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.



Ever lost your car keys? Should the person who finds them be able to take ownership of your car?
 
2014-03-28 02:45:31 PM
I know it's already been said, but fark the banks.
 
2014-03-28 02:45:39 PM
blog.beeminder.com
 
2014-03-28 02:45:56 PM
Approves.  movieguy247.com
 
2014-03-28 02:46:35 PM
Is the bank insured against stupid mistakes?
 
2014-03-28 02:46:48 PM
He's obviously a huge, douchey idiot, but how did the bank screw up so spectacularly? If having the same name is enough to cause this, I imagine there are thousands of John Smiths getting unexpected windfalls every day.
 
2014-03-28 02:47:08 PM

JesusJuice: fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.


Yeah, but that's not how it works.
 
2014-03-28 02:48:14 PM
As far as I know he called the bank to make sure it was his and he was waiting on an inheritance. Dumb kid, but fark the bank to hell.
 
2014-03-28 02:49:14 PM
Aaaaaaaaaaand it's gone.
 
2014-03-28 02:49:27 PM

DROxINxTHExWIND: JesusJuice: fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.


Ever lost your car keys? Should the person who finds them be able to take ownership of your car?


Good point. I'm kind of on the fence with this, though. I was once in a situation where my bank accidentally took money out of my account. They put it back but it took almost a week. I will admit that they didn't let anything bounce but, still, it was a major hassle for me. In this kids case, I say the bank should eat it because it took so long to be discovered (plus it was an actual bank error). They can make up the money from the fee;s they charge for everything.
 
2014-03-28 02:49:46 PM
If it seems too good to be true.....
 
2014-03-28 02:50:00 PM
fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.

Yeah, but that's not how it works.


Sure. defend the 1%ers
 
2014-03-28 02:50:11 PM

manbart: From the Article:

The bank told police they would give Fields a deadline of March 19, 5 p.m. to return all the money or they want him prosecuted. On Thursday, the Madison County Sheriff's Office said charges had not yet been filed related to this case.

While he obviously has no legal claim to the money, I wonder what specific crime the bank would prosecute him with?

It seems more like a civil matter than criminal to me.


Good point.  Maybe the idiot really did believe that the money was from his Gramma.  He can pay it back when the old lady snuffs it.
 
2014-03-28 02:51:22 PM
I agree for the most park with "fark the banks," but you've got to be some kind of idiot to think spending a dime of that money would play out well. And I don't believe that the kid deserves the money because the bank screwed up. If I accidentally park my car in your spot one night you don't then own my car.
 
2014-03-28 02:52:25 PM

ThrillaManilla: I know it's already been said, but fark the banks.


Yes, First Citizens Bank in Georgia is on the same level as JPMorgan Chase, Bank of America, and Citigroup
 
2014-03-28 02:52:49 PM

manbart: From the Article:

The bank told police they would give Fields a deadline of March 19, 5 p.m. to return all the money or they want him prosecuted. On Thursday, the Madison County Sheriff's Office said charges had not yet been filed related to this case.

While he obviously has no legal claim to the money, I wonder what specific crime the bank would prosecute him with?

It seems more like a civil matter than criminal to me.


They will charge him with theft most likely. Otherwise, they can charge him with failing to report found property.
 
2014-03-28 02:52:57 PM

lordargent: fruitloop: Technically a teen, legally an adult, really a dumbass.

Yeah, also, what kind of dumbass blows most of his "inheritance" in 10 days :P


an 18 year old, thats who
 
2014-03-28 02:53:03 PM

Mentalpatient87: I agree for the most park with "fark the banks," but you've got to be some kind of idiot to think spending a dime of that money would play out well. And I don't believe that the kid deserves the money because the bank screwed up. If I accidentally park my car in your spot one night you don't then own my car.


I don't?

I guess I have a car to return.
 
2014-03-28 02:53:58 PM

DROxINxTHExWIND: JesusJuice: fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.


Ever lost your car keys? Should the person who finds them be able to take ownership of your car?


There is a difference between finding car keys laying on the ground, and someone walking up to you in the street, shoving the keys in your pocket, and then walking away.
 
2014-03-28 02:54:16 PM
Won't somebody please think of teh banks and their profits?!1!
 
2014-03-28 02:54:20 PM
FTFA: "The Madison County Sheriff Office police were dispatched to First Citizens Bank in Hull, Ga., on March 18 concerning "

How is this fraud?  He didn't walk into the bank and pretend he was someone else or use other false pretenses to get the money.  One of their own moran tellers put the money into his account.

I could see theft,  but only if that inheritance story of his is false.
 
2014-03-28 02:54:20 PM
Surprised to hear someone in Georgia had $31,000.00
 
2014-03-28 02:56:52 PM

manbart: From the Article:

The bank told police they would give Fields a deadline of March 19, 5 p.m. to return all the money or they want him prosecuted. On Thursday, the Madison County Sheriff's Office said charges had not yet been filed related to this case.

While he obviously has no legal claim to the money, I wonder what specific crime the bank would prosecute him with?

It seems more like a civil matter than criminal to me.


Here in Maryland, it'd be trivial to convict him of Theft at a bare minimum.
 
2014-03-28 02:56:59 PM
Nice my quote left out the one word that I was commenting on.

I really should preview everything

"The Madison County Sheriff Office police were dispatched to First Citizens Bank in Hull, Ga., on March 18 concerning financial fraud"
 
2014-03-28 02:57:23 PM

LemSkroob: DROxINxTHExWIND: JesusJuice: fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.


Ever lost your car keys? Should the person who finds them be able to take ownership of your car?

There is a difference between finding car keys laying on the ground, and someone walking up to you in the street, shoving the keys in your pocket, and then walking away.


Not your pocket, the bank's pocket that they let you use. You don't own your bank account, you own the value of the money in the account.
 
2014-03-28 02:57:36 PM

Boo_Guy: [blog.beeminder.com image 406x259]


This. Somehow, people actually think this way.
 
2014-03-28 02:57:43 PM

Joe USer: manbart: From the Article:

The bank told police they would give Fields a deadline of March 19, 5 p.m. to return all the money or they want him prosecuted. On Thursday, the Madison County Sheriff's Office said charges had not yet been filed related to this case.

While he obviously has no legal claim to the money, I wonder what specific crime the bank would prosecute him with?

It seems more like a civil matter than criminal to me.

They will charge him with theft most likely. Otherwise, they can charge him with failing to report found property.


Here are there definitions of theft in Georgia (according to some random site, too lazy to parse official documents).

It may fall under "theft of service," but even then I don't think there was any intent to commit the act here. Seeing as he had no intention of acquiring the money, it just appeared, I don't think theft really applies.

I think under civil law he will be required to pay it all back, but I'm not seeing how what he did was criminal. At least without admitting that he knew the money wasn't legitimately hist (he needs to keep his mouth shut. There is no benefit to him in making any statements on the matter until it's in court.)
 
2014-03-28 02:57:51 PM
I never check my acct balance. This could seriously happen to me.
 
2014-03-28 02:58:41 PM
He needs to get himself a teenage caveman lawyer.

"I'm just an ignorant teenage caveman lawyer. I don't know anything about your high finance ways of deposits and withdrawals. All I know is the magic ATM box kept giving me more and more of the green paper."

3.bp.blogspot.com
 
2014-03-28 02:58:55 PM
I withdrew money from an ATM once and it said i had over 450k in the bank.  I go online and look at my account, and it says the same thing, even tho I can't find an enormous deposit anywhere.  The next day I look, and its back to normal.

Great story, i know.
 
2014-03-28 02:59:24 PM

MelGoesOnTour: DROxINxTHExWIND: JesusJuice: fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.


Ever lost your car keys? Should the person who finds them be able to take ownership of your car?

Good point. I'm kind of on the fence with this, though. I was once in a situation where my bank accidentally took money out of my account. They put it back but it took almost a week. I will admit that they didn't let anything bounce but, still, it was a major hassle for me. In this kids case, I say the bank should eat it because it took so long to be discovered (plus it was an actual bank error). They can make up the money from the fee;s they charge for everything.


I like your thought process.

If you are at my house and you lay your cell phone down. Or your purse or IPad whatever ...   I can take it and keep it.     You put it in my posession, thus it is mine.

Or you leave your coat in my restaraunt.   When you come back for it,  I keep it.   It is mine.
You park your car on my property inadvertantly, while taking your daughter to look at some ducks by the stream.     I take it and keep it.   You put it in my possession.   It is mine.

Awesome system.
 
2014-03-28 02:59:57 PM

LemSkroob: DROxINxTHExWIND: JesusJuice: fark the bank. Their mistake, they should eat it. It's not like the bastards can't afford it.


Ever lost your car keys? Should the person who finds them be able to take ownership of your car?

There is a difference between finding car keys laying on the ground, and someone walking up to you in the street, shoving the keys in your pocket, and then walking away.



Settle down with the adjectives. Someone in a bank pressed the wrong button. You dropped your keys fishing in your pockets for something else. Both are mistakes. Don't allow your hatred for banks and bankers compromise your sense of right and wrong. I get it. We all want to stick it to the bankers becausse they did it to us. If you have no problem using them being evil as a justification to steal moenty that doesn't belong to you then cool, just say it. but, lets not act like its not theft.
 
2014-03-28 03:00:20 PM

Mentalpatient87: I agree for the most park with "fark the banks," but you've got to be some kind of idiot to think spending a dime of that money would play out well.


Take the $31,000, put it into a interest bearing account/fund/market. wait till last possible day they give you till they go to prosecute you, then give them back $31,000. Keep the interest.
 
2014-03-28 03:00:23 PM
He thought it was an inheritance, so he spent it in a little over a week? Glad he honored his family well.
 
2014-03-28 03:00:31 PM
Wanted for questioning:
 
2014-03-28 03:00:35 PM
We had a bank error (not in our favor) which cleaned out our checking account for about 30 hours, and during every conversation I had with them while getting it fixed I asked "will you be paying me a $32 handling fee? Because that's what you would have charged me if I had accidentally overdrawn. No? How about a wine and cheese gift basket?"
Needless to say we didn't get a penny out of them, but it was fun pestering them.
 
2014-03-28 03:01:12 PM

manbart: Joe USer: manbart: From the Article:

The bank told police they would give Fields a deadline of March 19, 5 p.m. to return all the money or they want him prosecuted. On Thursday, the Madison County Sheriff's Office said charges had not yet been filed related to this case.

While he obviously has no legal claim to the money, I wonder what specific crime the bank would prosecute him with?

It seems more like a civil matter than criminal to me.

They will charge him with theft most likely. Otherwise, they can charge him with failing to report found property.

Here are there definitions of theft in Georgia (according to some random site, too lazy to parse official documents).

It may fall under "theft of service," but even then I don't think there was any intent to commit the act here. Seeing as he had no intention of acquiring the money, it just appeared, I don't think theft really applies.

I think under civil law he will be required to pay it all back, but I'm not seeing how what he did was criminal. At least without admitting that he knew the money wasn't legitimately hist (he needs to keep his mouth shut. There is no benefit to him in making any statements on the matter until it's in court.)


Theft of Lost of Mislaid property would work. Fraud might work too.
 
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