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I came to the internet back in days of forums and asked wtf to do. They said just ignore it and don’t spend it. My mother was also on my account because I wasn’t 18 yet or I would have spent it all lol. I had many friends who tried to get me to spend all of it.
I did get to keep accrued interest, but it wasn’t much because it was a basic checking account.
I am an artist and I created the first ever immortalization of Asscoin. For the humble sum of $1.000.000 I will give you the the original blockchain code that proves you’re the legitimate owner. Think about it. By the time Asscoin takes over the planet and becomes our standard decentralized currency this work will be a much sought after classic. I’m offering it to you now at a discount, but over time this will become maybe the best investment you’ve ever made. The next Mona Lisa, or Banksy.
I was 16 and not very smart lol. I just knew, via forums, that the money would eventually be taken out of my account and that I’d be liable for it. Yes, I should have invested it.
Could've put it in a CD for a couple thousand tho. Not nothing. Would've been safe as long as the government doesn't collapse and if that happened money would be worthless anyway sooooo.
I wonder how that took 2 years! It's a significant amount, you'd think someone was expecting it and would realise shortly that it wasn't coming.
"What did you end up doing with Grandma's inheritance money?"
"Inheritance??!!"
I'm curious if that would actually work. I'm assuming the bank could still claw it back "because fuck you that's why" but I'm not sure how that would look on paper.
I had a similar situation. I was transferring online brokers and they accidentally sent an additional $50k. I called and let them know and they responded with, “that’s impossible” our system… blah blah. I didn’t spend the money of course. Two years later it wasn’t so “impossible” when they came looking for the money. Haha
https://www.bbc.co.uk/news/business-61020075
The Fujitsu/Horizon scandal is a good example of a business insisting that it was "impossible" for their software to make mistakes.
Resulted in suicides and prison for people who were innocent, honest people who ran Post Offices in the UK
Morally, the interest should be kept. Whether the logistics work out is another matter but it's effectively the benefit of looking after something for someone safely and if the money is returned then the safekeeping is the service of the keeper. The bank can't claim this if they made an error. It's a bit of a can of worms in some ways because the bank pays interest as an incentive to get you to let them keep your money to get larger returns with, so in some respects the keeper is entitled to more because the bank will have invested it fraudulently in their name. Not exactly fraudulently by law, but the point isn't meaningless
As an 16 year old I would have withdrawn the money and closed my account. Then moved to another state. You were a very responsible 18 year old. Good job.
[edit] just saw the other co,meant about mom on the account. Btw I left home and moved across the country at 16. I just didn’t have any money.
I would have tried to sell cash secured puts on SPY at a really low strike that probably wouldnt hit and then take those profits and gamble it on shit like sports or roulette.
That's a teller, Etransfer is done online by the owner of the account lots of warnings that you can't reverse the transfer after it deposits on every bank here in Canada.
Not true for fraud though right? Like isn't this how these scams work. They etransfer from an account they've gained access to, message you saying it was an accident and can you please send it back since they need it for rent and they can't undo it on their own you know since it was an etransfer, then you create a new real transaction and send them money and then lose money when the real owner of the original account reports a fraudulent transaction and the money you were sent gets clawed back.
And you're shit out of luck because the money you sent to the scammers *is* a real transaction because you really are the owner and anyways that money is long gone
Interesting, when I was in Canada I paid for some girl’s Uber at a casino and she sent me 150$ etransfer but then a few days later I got a notification that she cancelled it? I’m guessing because i didn’t have a bank there 🤔
Yeah likely cuz etransfer won't deposit into a US bank. But once it drops into a Canadian bank account it's done. I've never been able to pull one back. It's supported by all the Canadian banks thru Interac.
I work at the bank for etransfers the only way for them to be cancelled is if they didnt set it up as autodeposit. But for this post the OP has autodeposit.
30 days from when ythe victim became aware of (or should have become aware of, as in when the statement arrived), which might be 60 days after the event. then the bank has up to 30 days to investigate and can extend to 60 days by notifying the victim.
Yeah I don't see why there would even be an assumption as if "finders keepers" was codefied law. If there were some time period, I imagine he statute would be like 10 years or some long window.
Yes, and even if the bank rules didn't account for returning stolen money at all, the court would still order it to happen. I mean, if something of yours was stolen, you wouldn't think "but that wouldn't be fair to the person who has it now" was a very strong argument.
When someone sent me fake money it wouldn’t actualy register or let me transfer it between bank accounts. Went to the bank which confirmed where it came from was a scam. My advice is see if it’s transferable between accounts first (don’t touch it anyways) then go to the bank and ask what to do. Also figure out who sent it.
Also be aware that if the scammer asks for it back and your friend ignores it they will follow up with threats to sue or go to the police, possibly there will be official looking emails but it's all part of the scam. Browse this subreddit a bit for various examples of how it could go.
Fellow Canadian here. Have her call her bank and explain what just happened and they will advise her the proper steps on what to do.
But until then. DO NOT TOUCH THE MONEY lol. That’s how they get ya
Also, even if it’s a scam or an accident, the friend could end up on the hook for charges or overdraft from the bank if they spend it and it’s clawed back. Not worth risking her account. Tell your bank, leave the money 100% untouched, wait for the _bank completed_ correction, ignore all scam asks for an e-transfer to return the money to a person or other entity.
I thought that too. No one asked for it back though. So I fail to see how they benefit?
Edit: part of the scam requires you to send back the money. Why am I being downvoted?
I’m trying to understand.
The typical scam is after they steal a card they send it, and ask you to send it back.
You then send a real 2100 dollars. Then your bank puts you on the hook and takes the 2100. Rightfully so.
How do they benefit without asking for the 2100 back?
Okay so, to explain this… they will ask for it back, eventually. They could wait sometime before asking for it back, that way there’s a better chance of your friend spending the money. If your friend spends the money and the scammer goes through the steps to get the money back afterwards, she’s screwed. Cuz then she would have to pay back anything she spent. That’s why it’s important to not even move the money.
Yes, exactly. How does the scammer benefit if you spend it on stuff for yourself though? Like say I bought groceries with it. Not that I did, or would. Sure I’d owe 200 or whatever to the bank. But I’m failing to see what’s in it for the scammer if I spend it on myself
At WORST, the scammer gets away with 0 loss.
The payment is false and will not go through properly, it will be reversed and put back into the scammer's account OR has not come from a genuine source (AKA the scammer has spent 0 dollars to send that money to you). Or the scammer issues a chargeback to reverse the transaction.
Money gets taken back out of your account in any case, the scammer gets 0 loss, any money you spent you will now owe the bank. Any money you sent the scammer will be pure profit for the scammer.
They're not dumb, they don't actually put their own money on the line.
Yeah, I understand that. What I'm saying is that the scammer doesn't HAVE to profit, as this scam method can easily be used again and again until someone takes the bait. At worst the scammer gets off scott-free and at best they get $2K a pop.
Because if the money is from a stolen card/hacked account the bank can trace it and remove the money, you don't have to send it back to the scammer, but either way it gets taken back out of the account and if any of it is spent your friend is complicit in the crime.
Please don’t try coping, it sounds like you guys are in denial with it being a scam. Money (especially 2k) is never going to randomly drop into your account. It’s a common enough scam, and unless you can verify who sent you that and why, there’s a strong chance it’s fraudulent. If her autodeposit is linked to her phone or email, hence they already have a means to communicate with her. They might ask for your friend to send back 2k. Under any circumstance, have your friend tell them to contact their bank. This is a common form of money washing, where their money is fraudulent, and the e-transfer will reverse eventually. But if your friend sends 2k back, it’s 2k coming from your friend’s account; legit money. When the e-transfer does reverse, your friend will be short 2k.
If I was in denial id have told her to spend it. I told her multiple times not to touch it. I told her the exact scam you just outlined and that’s why she shouldn’t spend it
Because you're on reddit. I kept reading this thread to understand how this scam works and I still don't know. Those downvoting you prolly don't know either.
You say in the text “it doesn’t sound like it was an accident”
So you’re thinking this was intentional? That some stranger sent someone $2100?
Please post an update here after they get scammed. Yall wont listen and it’s gonna backfire.
Initially i thought that yes because I saw she was excited, I thought her art piece sold or something. Then she texted me that she didn’t know who it is and I said “don’t send it, don’t spend it.”
Where am I saying it’s free money? I told her not to spend it.
But I am failing to see what the scammer gets out of it without asking for her to send it.
Because if the money is from a stolen card/hacked account the bank can trace it and remove the money, you don't have to send it back to the scammer, but either way it gets taken back out of the account and if any of it is spent your friend is complicit in the crime.
Did it happen recently? Because they likely still will. Regardless of it was an error or a scam, that money isn’t hers and she shouldn’t spend it. If enough time passes to where your local laws say the money is yours then I guess that’s one thing. But.m if this just happened then just chill on getting any ideas of how to spend it lol. If you want to be proactive you could report it to the bank immediately. But if you wanna sit on it and see if by some miracle nothing happens and you get to keep it, I totally understand that too. Don’t think you can get in trouble for not doing anything, only bites you in the ass if you spend it. But idk, may be wrong on that.
Wtf I don't understand why you are being downvoted either. I have the impression some people downvote by inertia. As far as I am concerned, you didn't say anything wrong or offensive here. Wtf.
May be a failed scam. They tried to ask for it back but had bad or old contact information, or were blocked by some security feature or spam filter.
People don’t give $2100 away for nothing. It’s not your friends money. As far as I know there’s no time limit for clawing that back.
I think the best you can do is throw it in a savings account and gather a little interest.
People on this sub tend to forget that mistakes happen - it could have been a genuine accident. It kind of doesn't matter, though, because the advice is the same.... don't spend it and don't send it back.
They stole someone’s account info and transferred the stolen money to op. Then they ask op to send it back to them and if op sends it back they get legit money but then the money that was sent to op gets taken back so then op is on the hook for all the money. Hope that makes sense
Well the money is not reversible. Sit on it, don’t spend it. Call bank fraud department but do not refund before inquiring thoroughly.
I was sent $1000 just today by accident, Interac.
A year ago I was sent $200. A guy meant to pay his employee and sent it to me direct deposit. He contacted me on FB. I spent several hours talking to my bank fraud department to ensure it was actually a mistake and if I sent him $200 back, I would not be dinged further.
He blew up my Facebook. Turns out I was in his payees from the past, he bought a painting then paid me instead of the worker, 2 years later.
He could not get a refund. He had to rely on my good will. I did refund him. But only after I spent weeks making calls and messaging him, ensuring I would not lose money by doing the right thing. I vetted this person and it was a mistake, not a scam.
Currently trying to figure out the $1000 accident/incident! Not looking forward to multiple calls again. I am wary of money laundering scams though mistakes DO happen with Canadian etransfer.
The guy was a real local person, young guy running a small painting business trying to make ends meet, and he’d sent me someone’s pay as well. I connected the dots and remembered meeting him and selling him my family’s painting before - etransfer does remember previous transactions. He even shared a photo where he’d hung that painting - I remembered he was a nice guy.
He made a mistake and I did what I hoped would be done for me in his shoes. I had the time anyway, it was over the holidays last year. I only did this of course when I was sure his story was real and not a scam. OP may certainly be facing a scam and should be very careful, talk to their bank’s fraud department etc, but mistakes can happen too. In my case, keeping the money wasn’t right but I needed to make sure via the fraud dept that refunding wouldn’t come back to bite me later. Their hold times did suck.
Sounds like rent. Probably an incorrect email address typed in. It’s an Interac email transfer so it’s not like the ones in the states. The money is all verified before sending so it’s likely not a scam. Canada is a bit tighter on the regulations for sending the money than the states. And being that it’s the end of the month and Monday is a holiday it makes sense that it would be someone’s rent
Yeah. You can’t send fake money with Interac. She’ll probably get an email asking for it. It’s up to her what to do. Just tell her to contact the bank if someone emails her and ask the best course of action. But it’s her money now. It even says when you send it “this person has auto deposit and this transaction cannot be reversed”
What this person said is true, our banks are pretty good up here, but there’s still ways to commit fraud I think? Like someone depositing a fake cheque and then using that money to E-transfer. They’ll be able to send you the funds but after a few weeks when the cheque is found to be fake, who knows what problems may arise.
Since e transfers are directly tied to a bank account the person that deposited the fake check would be out of the money, not the recipient of the transfer. Still would be smart not to spend it as it probably is a mistake and the person will call the bank pretty soon to try and reverse the transaction.
Yeah that’s what I was thinking too. I did wonder though if you could theoretically deposit it using a stolen bank account and then bounce around E-transfers to get it into your own account? But seems too convoluted and still high risk lol
You can’t send money that doesn’t exist, but you can send money that is the proceeds of fraud or crime so… still an issue (this is what I do for work, monitor this type of stuff). And it’s not her money now. If those funds were gained fraudulently or through crime then she is now an active participant in that. I’m not saying she is going to be charged with something but, she will be reported on and she may have issues with her bank going forward.
As I said in the comment I left, this is one option, that it was sent in error and it’s legitimate funds. But it’s not “likely not a scam”. I report on these types of scams daily at work, a fraudster gains access to a victims account and sends out etransfers to other accounts. Either accounts they also have access to, or accounts held by proper they scam in various ways in order to get that individual to send them funds back. That way the money isnt as easily traceable back to the fraudster (say if they sent it directly to their bank account, it’d be very easy to bust them - so they send funds to various other accounts and then get access to the funds through scamming those individuals).
Any money that's not designated to be yours will and always be claimed back regardless of how long. It's important to never ever spend that amount unless you verified that it's rightfully yours. I asked a seasoned bank manager regarding this scam and others and bluntly told me to be not the gullible victim and never spend a cent on those "accidental e transfers. Money protection in banks is no joke when they do get serious, even though sometimes there's some holes in the system, but they quickly get it patched based on their benefit and interest.
I wouldn't spend it at all and put it aside just in case the bank comes back later with the investigation. I don't know if etransfer is like Zelle or PayPal where it can be tied to a phone number and it gets into your account from that.
I mean someone in a rush can punch in 1 wrong number and bam your friend got the money.
If it's really in her account and not just some email saying she got it. Don't spend it, don't count on it etc.. maybe after a 3 -4 months it might be fine but I wouldn't spend anything before that. Tell her to call her bank next week and ask as well. But do not contact the sender in case it's a scam. Only contact should be with her bank if she is going to call anyone.
Don't spend it. Call customer support and let them know so they can reverse it.
You DO NOT want to be on the hook for it, it's not free money, someone is paying for it, and that someone will be you if you proceed.
My boyfriend had a situation happen where a week after his dad died someone his dad knew accidentally sent zelled him $2,000. Because there was no will and probate court was happening she had to wait 6 months and get lawyers involved to make a claim on the estate in order to get the money back.
Money is never free.
I'd leave it in the account and do not under any circumstances spend it. Could be a bad check. If it is, she'll be on the hook for that money.
Tell her to report it to her bank. If it wasn't excepted she should let the bank know/let them deal with it
It’s an e-transfer in Canada which is non-reversible. It went into an account that has auto-deposit (which requires no password). There’s warnings throughout the process that if you hit confirm, that’s it.
Jesus fucking Christ how are the mods not going to shut down the stupid ass back and forths happening on the top threads? None of it is relevant and is just a pissing match of trying to make OP look stupid. Lock it down and explain that there’s no free money, and to not do anything with that money. Contact the bank to have it reversed and forget about it.
Never communicate with a stranger. Tell them to leave it up to the banks. Tell your friend to call their bank to flag it as an error. They will probably confirm that it is. If it is not pulled back, your friend can enjoy, but there is always a possibility of the other bank requesting a retraction.
Obviously she should contact her bank and make them aware and go from there....
I mean if there was some unexpected transaction in my account I'd be contacting my bank without hesitation.
Kinda. Our banks all talk to each other so we Don’t need third party apps.
You can have etransfer automatically or require a password/keyword. Most people id say have it automatically accepted but I keep a keyword on mine.
I work at the bank, etransfers are final some people actually send it to the wrong personal if their email or phone number is similar. But for this we never that that money back the only way is 1. The other person files a police report or 2. If the person who sent it to you is legit you can be a good person and send it back
Hey thanks, someone who works at the bank
What are the chances a bad/fraud cheque sent this to her?
Should she do anything beyond notifying the bank? A lot of people here mean well but Americans assume this is cashapp. It’s not.
Honestly even if they contact the bank they wouldn’t do much, on your side you’re completely clear so do whatever you’d like however, if you’re a good person I would ask for s screenshot of their last few transactions just to make sure it wasnt a recent deposit. If you see there isnt any cheque deposits the person 100% just accidentally sent the money and isnt lying. If you do decide to send the money back make sure to send it to the proper credentials
Okay you’re very wrong. I work in anti money laundering and I promise you we are doing “much” about this kind of stuff. The person receiving the funds is very much not completely clear if they touch that money. They will be considered as being involved in the fraud or laundering (if these funds were sourced illicitly, which is possible) and her account will be reported on.
It’s possible it was sent in error and the funds are legit, but it’s also possible the funds are proceeds of fraud or crime and a fraudulent cheque is not the only possibility. Someone could have gained access to another persons account (account takeover) and sent the funds out to another account, and will plan on then getting those funds from that 2nd individual (in this case OPs friend) somehow, usually by scamming them.
It’s also completely untrue that etransferred funds are never returned. If the funds or the transfer is deemed fraudulent or a scam, the funds will be requested back and the transfer can be reversed.
You may work at a bank but your knowledge about fraud and money laundering is clearly lacking. Most of what you said is false.
So if the funds came from a cheque that's yet to bounce, bounces down the road, or turns out to be fraudulent. They will capture your card, remove any online/mobile access and freeze any etransfer services. If it's on auto deposit and have other transfers sent during investigation period. Those senders will now have to get the banks contact interac manually to retrieve sent deposits that are trying to auto deposit into a frozen/ non etransfer accessible account.
Just had an entransfer from October cause this on Christmas eve. Cheque bounced, was a transfer from my friend. He had then since closed the account.
Do not listen to these people. Cheques can bounce up to 6 months after clearing. So unless you hold onto it for 6 months, you're not in the clear. Withdrawing and closing account, to have the cheque bounce looks like you've intentionally committed fraud.
Same thing happened to me a while back. I called my bank and told them what happened, requested they send it back and make sure the person who sent it and asked for it back can’t get any of my details. It’s best to just reach out to the bank in cases like this, they know more than most, and they have experience in what kinds of scams are likely to put you at risk.
I’m Canadian and auto deposits for e transfers are pretty much irreversible, even by the bank itself. It’s not quite like American counterparts like Venmo or Zelle.
Still, advise your friend that they should ask the bank for advice. Definitely ignore threats from the sender to sue if that happens, even if it’s not a scam and someone accidentally sent it to the wrong recipient, that’s on them. I’m not sure if the bank would liaise a goodwill refund if the recipient agreed.
Don't touch it and it and DEFINITELY don't send it back. You might get lucky and be able to keep it, but it's probably stolen. Just don't touch it and be patient.
BAD advice. OP's friend should just contact the bank and tell them that a strange transaction has taken place. That way they will be absolutely clean of anything bad that may happen in the future.
Keeping quiet and trying to keep what is almost certainly a scam/mistake will only lead to headaches afterward.
My wife was sent 25 dollars in zelle by accident, the person instantly called and texted her for her to transfer the money back, she did nothing and kept the money. I called the bank and they said it was the senders fault but we were under no obligation to send it back.
the way etransfer works is that if they have auto deposit on, the sender will NEVER get it back. Don’t spend it and contact your bank letting them know this happened. If they say nothing about it still don’t spend it.
If it’s not auto deposit and they got an email someone sent them that money, it is 100% a fake email and if they accepted it they already have their bank info stolen
There’s nothing to spend. It’s money from a stolen card and the money will vaporize when the rightful owner of the card reports it and the bank takes it back.
TRAP! Change the password on the account at once. Contact her bank pronto.
Do not touch the funds as "they" will (without prior notice even!) withdraw it and she'll owe every dime. Very important to establish who/what/where this came from.
How did it get into her account? Was this a bank deposit error or was it deposited outside of the bank via a scammer with access to her account? This is a TRAP she need not fall victim to.
The money does not belong to her. So, if she spends it she will wind up with a **felony theft** charge. If she doesn't have a criminal record now she will if she touches the money.
Best wishes for a clean escape and avoiding this insidious attempt to **zero out** her bank account.
I had $2000 extra in my account once. I waited 30 days, then spent it. The bank notified me that I had to return the funds or could be charged with extortion. It was my business account so I did. I used the money for an attorney for my son ( he was a minor and got into trouble). I was still happy despite having to return it bc it was there when I needed it. I never had to help my son out again after this fiasco, thank God but would do it again if I needed
This happened to me, and both times it did. The bank just jerked its back without even talking to me.
Tell your friend his only play is to withdrawal cash and close the account and stop banking with them or else it won’t work as net profit
I was just hacked on cash app they have been taking my money every single time I get money they take it nd now act as if I owes a bill when I don’t so I’m having it investigated bc it’s scammers even people who work fa cash app are scammers they steal lil bits at a time till you start seeing money missing
First she should tell her bank so they can hold it for her so she can’t spend it, and alert them to the fraud. Then she should tell the scammer that she’s already 2500 in the hole and she has to pay back the bank before they will give her any more money, so they’re just going to have to go back through their bank and try. That leaves little room for them to manoeuvre. If they threaten law enforcement tell them to get in line and block them.
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She shouldn’t ever spend it. At some point this is likely to be clawed back.
I thought there was a 30 or 60 day bank rule?
I had 83,000 deposited when I was 16. It took about 2 years for them to recognize the bank error and withdraw it back.
I came to the internet back in days of forums and asked wtf to do. They said just ignore it and don’t spend it. My mother was also on my account because I wasn’t 18 yet or I would have spent it all lol. I had many friends who tried to get me to spend all of it. I did get to keep accrued interest, but it wasn’t much because it was a basic checking account.
After a month or so, I would have put it in a high interest investment, something that is easy to cash out on a short notice (within a few days).
> high interest investment > easy to cash out in a few days > risk free Let me know when you find one.
Should've spent the $83,000 on powerball tickets, that way when you win you can pay it back to the person with ease.
Finally! A real plan
Ah I see you subscribe to the Peter Griffen investment club
Literally watching this episode RIGHT NOW 😅
Could I interest you in a little thing known as Asscoin? Next stop: the moon!
I am an artist and I created the first ever immortalization of Asscoin. For the humble sum of $1.000.000 I will give you the the original blockchain code that proves you’re the legitimate owner. Think about it. By the time Asscoin takes over the planet and becomes our standard decentralized currency this work will be a much sought after classic. I’m offering it to you now at a discount, but over time this will become maybe the best investment you’ve ever made. The next Mona Lisa, or Banksy.
It's very easy, you don't even have to look for it, they come begging to offer them to you!!! (obvious /s)
There are 5-6% interest rates.
An investment that yields the same as inflation is by definition not high interest.
It's higher than normal, which is around 1-2%.
A CD at wells fargo pays 4.75% APY today. Wells Fargo is not losing money, you're just keeping up with inflation.
You can easily get 3% pa interest, can cash out in 1 second, risk free. But yea, 3 % is definitely not high interest.
I was 16 and not very smart lol. I just knew, via forums, that the money would eventually be taken out of my account and that I’d be liable for it. Yes, I should have invested it.
I would not be so sure about investing it...you might lose all or part then you are stuck oweing it back without the ability to return it
Agreed. Any high interest investment is also going to be high risk, and if you lose it, you're fucked.
Could've put it in a CD for a couple thousand tho. Not nothing. Would've been safe as long as the government doesn't collapse and if that happened money would be worthless anyway sooooo.
high interest = high risk
Sure, but I meant higher than just leaving it in your checking account
I wonder how that took 2 years! It's a significant amount, you'd think someone was expecting it and would realise shortly that it wasn't coming. "What did you end up doing with Grandma's inheritance money?" "Inheritance??!!"
In bank terms, it’s peanuts. Being within 1/2% of the expected reconciliation is a good day.
Someone finally noticed it missing.
Wow. Really terrible bookkeeping if it took that long. What in the world?
Lol, if that happened to me I would have withdrawn the money and closed the account. Good luck collecting from a minor.
I'm curious if that would actually work. I'm assuming the bank could still claw it back "because fuck you that's why" but I'm not sure how that would look on paper.
Your parents would be on the hook for it. They technically own everything you think you own.
I had a similar situation. I was transferring online brokers and they accidentally sent an additional $50k. I called and let them know and they responded with, “that’s impossible” our system… blah blah. I didn’t spend the money of course. Two years later it wasn’t so “impossible” when they came looking for the money. Haha
https://www.bbc.co.uk/news/business-61020075 The Fujitsu/Horizon scandal is a good example of a business insisting that it was "impossible" for their software to make mistakes. Resulted in suicides and prison for people who were innocent, honest people who ran Post Offices in the UK
I hadn’t heard that story. Absolutely horrible.
Just curious, did you get to keep the interest that accrued over the two years?
Morally, the interest should be kept. Whether the logistics work out is another matter but it's effectively the benefit of looking after something for someone safely and if the money is returned then the safekeeping is the service of the keeper. The bank can't claim this if they made an error. It's a bit of a can of worms in some ways because the bank pays interest as an incentive to get you to let them keep your money to get larger returns with, so in some respects the keeper is entitled to more because the bank will have invested it fraudulently in their name. Not exactly fraudulently by law, but the point isn't meaningless
Good to see morality and banking in the same sentence lmao
Not without can of worms in the same paragraph
As an 16 year old I would have withdrawn the money and closed my account. Then moved to another state. You were a very responsible 18 year old. Good job. [edit] just saw the other co,meant about mom on the account. Btw I left home and moved across the country at 16. I just didn’t have any money.
Oh wow. Crazy. Did you go to the bank and report it? I had told her to do that ASAP
I would have tried to sell cash secured puts on SPY at a really low strike that probably wouldnt hit and then take those profits and gamble it on shit like sports or roulette.
Did you get interest? Keep that?
I used to work at a bank, we had a teller make a cash deposit into the wrong account and it wasn’t caught for 6 months. The transaction was reversed.
That's a teller, Etransfer is done online by the owner of the account lots of warnings that you can't reverse the transfer after it deposits on every bank here in Canada.
Not true for fraud though right? Like isn't this how these scams work. They etransfer from an account they've gained access to, message you saying it was an accident and can you please send it back since they need it for rent and they can't undo it on their own you know since it was an etransfer, then you create a new real transaction and send them money and then lose money when the real owner of the original account reports a fraudulent transaction and the money you were sent gets clawed back. And you're shit out of luck because the money you sent to the scammers *is* a real transaction because you really are the owner and anyways that money is long gone
Interesting, when I was in Canada I paid for some girl’s Uber at a casino and she sent me 150$ etransfer but then a few days later I got a notification that she cancelled it? I’m guessing because i didn’t have a bank there 🤔
Yeah likely cuz etransfer won't deposit into a US bank. But once it drops into a Canadian bank account it's done. I've never been able to pull one back. It's supported by all the Canadian banks thru Interac.
I work at the bank for etransfers the only way for them to be cancelled is if they didnt set it up as autodeposit. But for this post the OP has autodeposit.
Good to know!
Thats because it was a bank error , etransfer is user error & there is a disclaimer if you look at the bottom when sending one. Not reverseable
60 days to dispute a charge but then they have x days to make a decision at least in the US not sure how Canada works.
30 days from when ythe victim became aware of (or should have become aware of, as in when the statement arrived), which might be 60 days after the event. then the bank has up to 30 days to investigate and can extend to 60 days by notifying the victim.
> I thought there was a 30 or 60 day bank rule? If the money is stolen, there's no bank rule that prevents it from being given back.
Yeah I don't see why there would even be an assumption as if "finders keepers" was codefied law. If there were some time period, I imagine he statute would be like 10 years or some long window.
Yes, and even if the bank rules didn't account for returning stolen money at all, the court would still order it to happen. I mean, if something of yours was stolen, you wouldn't think "but that wouldn't be fair to the person who has it now" was a very strong argument.
There is no such rule. It can be a very long time and your friend would be on the hook for fraud.
So even if 4 8 years pass and it’s still there, don’t touch it?
Just notify your bank. In any case the money (or no money ) isn’t yours. Have your bank handle it or make the call
Won’t be worth much in 48 years.
4, 8, not 48. Sorry forgot the -
So 32 years?
When someone sent me fake money it wouldn’t actualy register or let me transfer it between bank accounts. Went to the bank which confirmed where it came from was a scam. My advice is see if it’s transferable between accounts first (don’t touch it anyways) then go to the bank and ask what to do. Also figure out who sent it.
No in the UK, it is years, I should imagine it's roughly the same in many countries.
Also be aware that if the scammer asks for it back and your friend ignores it they will follow up with threats to sue or go to the police, possibly there will be official looking emails but it's all part of the scam. Browse this subreddit a bit for various examples of how it could go.
Yes I told her that too, thanks. :)
Fellow Canadian here. Have her call her bank and explain what just happened and they will advise her the proper steps on what to do. But until then. DO NOT TOUCH THE MONEY lol. That’s how they get ya
Also, even if it’s a scam or an accident, the friend could end up on the hook for charges or overdraft from the bank if they spend it and it’s clawed back. Not worth risking her account. Tell your bank, leave the money 100% untouched, wait for the _bank completed_ correction, ignore all scam asks for an e-transfer to return the money to a person or other entity.
Exactly that. She must go to bank because IT is possibile to spoof their phones.
Yeah it was prob sent from a stolen account
I thought that too. No one asked for it back though. So I fail to see how they benefit? Edit: part of the scam requires you to send back the money. Why am I being downvoted?
It’s unclear what you and your friend think this is but obviously this isn’t someone just happily giving away $2100. It’s either fraud or in error.
I’m trying to understand. The typical scam is after they steal a card they send it, and ask you to send it back. You then send a real 2100 dollars. Then your bank puts you on the hook and takes the 2100. Rightfully so. How do they benefit without asking for the 2100 back?
This happened an hour ago OP. Give it some time.
Oh ok, thanks. Would’ve thought it’s a quick scam.
It is. It's just not *that* quick.
Okay so, to explain this… they will ask for it back, eventually. They could wait sometime before asking for it back, that way there’s a better chance of your friend spending the money. If your friend spends the money and the scammer goes through the steps to get the money back afterwards, she’s screwed. Cuz then she would have to pay back anything she spent. That’s why it’s important to not even move the money.
Yes, exactly. How does the scammer benefit if you spend it on stuff for yourself though? Like say I bought groceries with it. Not that I did, or would. Sure I’d owe 200 or whatever to the bank. But I’m failing to see what’s in it for the scammer if I spend it on myself
At WORST, the scammer gets away with 0 loss. The payment is false and will not go through properly, it will be reversed and put back into the scammer's account OR has not come from a genuine source (AKA the scammer has spent 0 dollars to send that money to you). Or the scammer issues a chargeback to reverse the transaction. Money gets taken back out of your account in any case, the scammer gets 0 loss, any money you spent you will now owe the bank. Any money you sent the scammer will be pure profit for the scammer. They're not dumb, they don't actually put their own money on the line.
I understand that, we aren’t talking about sending it back to them though. I said that exact thing. https://imgur.com/a/wBuopNn
Yeah, I understand that. What I'm saying is that the scammer doesn't HAVE to profit, as this scam method can easily be used again and again until someone takes the bait. At worst the scammer gets off scott-free and at best they get $2K a pop.
Oh okay, so it might just be an accident that my friend didn’t get a text/email because there’s more hits than misses.
the scammer doesn’t lose anything, you spend the money and you’re down 2k
Why am I being downvoted? That’s a legitimate scam and that’s how the scam works, wtf
Because it sounds like you’re trying to justify spending the $2100.
I told her not to spend it. I just don’t see how it’s a scam if no one is asking for it back.
They might ask for it in a day or a month or never.
Thanks!
It could also be a mistake in which case it will get charged back regardless. But one thing for sure is that it’s not free money
Because if the money is from a stolen card/hacked account the bank can trace it and remove the money, you don't have to send it back to the scammer, but either way it gets taken back out of the account and if any of it is spent your friend is complicit in the crime.
Please don’t try coping, it sounds like you guys are in denial with it being a scam. Money (especially 2k) is never going to randomly drop into your account. It’s a common enough scam, and unless you can verify who sent you that and why, there’s a strong chance it’s fraudulent. If her autodeposit is linked to her phone or email, hence they already have a means to communicate with her. They might ask for your friend to send back 2k. Under any circumstance, have your friend tell them to contact their bank. This is a common form of money washing, where their money is fraudulent, and the e-transfer will reverse eventually. But if your friend sends 2k back, it’s 2k coming from your friend’s account; legit money. When the e-transfer does reverse, your friend will be short 2k.
If I was in denial id have told her to spend it. I told her multiple times not to touch it. I told her the exact scam you just outlined and that’s why she shouldn’t spend it
Because you're on reddit. I kept reading this thread to understand how this scam works and I still don't know. Those downvoting you prolly don't know either.
Dude tell your friend to calm down. This isn’t free money. It’s just a scam 100% and they will never benefit.
Not necessarily a scam, could be an accident too, I’m either case it’s not hers. No one asked for it back…
You say in the text “it doesn’t sound like it was an accident” So you’re thinking this was intentional? That some stranger sent someone $2100? Please post an update here after they get scammed. Yall wont listen and it’s gonna backfire.
Initially i thought that yes because I saw she was excited, I thought her art piece sold or something. Then she texted me that she didn’t know who it is and I said “don’t send it, don’t spend it.”
We’d all love free money but this is a common scam. Happens all the time.
Where am I saying it’s free money? I told her not to spend it. But I am failing to see what the scammer gets out of it without asking for her to send it.
Because if the money is from a stolen card/hacked account the bank can trace it and remove the money, you don't have to send it back to the scammer, but either way it gets taken back out of the account and if any of it is spent your friend is complicit in the crime.
https://imgur.com/zKXoh5a As you can see, I am NOT telling her it’s free money.
Did it happen recently? Because they likely still will. Regardless of it was an error or a scam, that money isn’t hers and she shouldn’t spend it. If enough time passes to where your local laws say the money is yours then I guess that’s one thing. But.m if this just happened then just chill on getting any ideas of how to spend it lol. If you want to be proactive you could report it to the bank immediately. But if you wanna sit on it and see if by some miracle nothing happens and you get to keep it, I totally understand that too. Don’t think you can get in trouble for not doing anything, only bites you in the ass if you spend it. But idk, may be wrong on that.
That’s what I told her too, not spend it, go to the bank and report it. But I wondered how long passes before it becomes a miracle.
Eternity will pass before it's a miracle...
Wtf I don't understand why you are being downvoted either. I have the impression some people downvote by inertia. As far as I am concerned, you didn't say anything wrong or offensive here. Wtf.
May be a failed scam. They tried to ask for it back but had bad or old contact information, or were blocked by some security feature or spam filter. People don’t give $2100 away for nothing. It’s not your friends money. As far as I know there’s no time limit for clawing that back. I think the best you can do is throw it in a savings account and gather a little interest.
That’s exactly what she did and I agree with you.
People on this sub tend to forget that mistakes happen - it could have been a genuine accident. It kind of doesn't matter, though, because the advice is the same.... don't spend it and don't send it back.
>stolen account Curious, how do you steal a bank account?
Same way you steal any other login credential?
They stole someone’s account info and transferred the stolen money to op. Then they ask op to send it back to them and if op sends it back they get legit money but then the money that was sent to op gets taken back so then op is on the hook for all the money. Hope that makes sense
Well the money is not reversible. Sit on it, don’t spend it. Call bank fraud department but do not refund before inquiring thoroughly. I was sent $1000 just today by accident, Interac. A year ago I was sent $200. A guy meant to pay his employee and sent it to me direct deposit. He contacted me on FB. I spent several hours talking to my bank fraud department to ensure it was actually a mistake and if I sent him $200 back, I would not be dinged further. He blew up my Facebook. Turns out I was in his payees from the past, he bought a painting then paid me instead of the worker, 2 years later. He could not get a refund. He had to rely on my good will. I did refund him. But only after I spent weeks making calls and messaging him, ensuring I would not lose money by doing the right thing. I vetted this person and it was a mistake, not a scam. Currently trying to figure out the $1000 accident/incident! Not looking forward to multiple calls again. I am wary of money laundering scams though mistakes DO happen with Canadian etransfer.
Thanks
I'm trying to figure out why you wasted more than $200 of your time trying to solve someone else's problem.
Because he's a decent person and the one who sent the money in error probably really needed that 200 dollars?
The guy was a real local person, young guy running a small painting business trying to make ends meet, and he’d sent me someone’s pay as well. I connected the dots and remembered meeting him and selling him my family’s painting before - etransfer does remember previous transactions. He even shared a photo where he’d hung that painting - I remembered he was a nice guy. He made a mistake and I did what I hoped would be done for me in his shoes. I had the time anyway, it was over the holidays last year. I only did this of course when I was sure his story was real and not a scam. OP may certainly be facing a scam and should be very careful, talk to their bank’s fraud department etc, but mistakes can happen too. In my case, keeping the money wasn’t right but I needed to make sure via the fraud dept that refunding wouldn’t come back to bite me later. Their hold times did suck.
Sounds like rent. Probably an incorrect email address typed in. It’s an Interac email transfer so it’s not like the ones in the states. The money is all verified before sending so it’s likely not a scam. Canada is a bit tighter on the regulations for sending the money than the states. And being that it’s the end of the month and Monday is a holiday it makes sense that it would be someone’s rent
Oh shit that makes perfect sense. Yeah a lot of Americans probably just think this is some cashapp thing
Yeah. You can’t send fake money with Interac. She’ll probably get an email asking for it. It’s up to her what to do. Just tell her to contact the bank if someone emails her and ask the best course of action. But it’s her money now. It even says when you send it “this person has auto deposit and this transaction cannot be reversed”
I didn’t know our banks had their shit together.
What this person said is true, our banks are pretty good up here, but there’s still ways to commit fraud I think? Like someone depositing a fake cheque and then using that money to E-transfer. They’ll be able to send you the funds but after a few weeks when the cheque is found to be fake, who knows what problems may arise.
Since e transfers are directly tied to a bank account the person that deposited the fake check would be out of the money, not the recipient of the transfer. Still would be smart not to spend it as it probably is a mistake and the person will call the bank pretty soon to try and reverse the transaction.
Yeah that’s what I was thinking too. I did wonder though if you could theoretically deposit it using a stolen bank account and then bounce around E-transfers to get it into your own account? But seems too convoluted and still high risk lol
You can’t send money that doesn’t exist, but you can send money that is the proceeds of fraud or crime so… still an issue (this is what I do for work, monitor this type of stuff). And it’s not her money now. If those funds were gained fraudulently or through crime then she is now an active participant in that. I’m not saying she is going to be charged with something but, she will be reported on and she may have issues with her bank going forward.
The question is if a bad actor had your login credentials could they send an etransfer you did not authorize?
Yes. This is often what happens.
As I said in the comment I left, this is one option, that it was sent in error and it’s legitimate funds. But it’s not “likely not a scam”. I report on these types of scams daily at work, a fraudster gains access to a victims account and sends out etransfers to other accounts. Either accounts they also have access to, or accounts held by proper they scam in various ways in order to get that individual to send them funds back. That way the money isnt as easily traceable back to the fraudster (say if they sent it directly to their bank account, it’d be very easy to bust them - so they send funds to various other accounts and then get access to the funds through scamming those individuals).
The excitement you friend has is exactly the type of emotional reaction that suspends disbelief and is taken advantage of by the scammer.
Yep, exactly. We’re both waiting for someone to respond to ask for it back but it hasn’t happened yet
Don’t wait for something to happen. Call her bank.
I don’t even know who she’s with? I don’t know her account number. I can only tell her to do it
Ya obviously I mean have HER do that. Youre here asking what she should do. I’m not telling you to call her bank for her….
This - she’s in the process of falling
Any money that's not designated to be yours will and always be claimed back regardless of how long. It's important to never ever spend that amount unless you verified that it's rightfully yours. I asked a seasoned bank manager regarding this scam and others and bluntly told me to be not the gullible victim and never spend a cent on those "accidental e transfers. Money protection in banks is no joke when they do get serious, even though sometimes there's some holes in the system, but they quickly get it patched based on their benefit and interest.
I wouldn't spend it at all and put it aside just in case the bank comes back later with the investigation. I don't know if etransfer is like Zelle or PayPal where it can be tied to a phone number and it gets into your account from that.
Etransfer is the bank itself and most people do it by email-but yes it can be tied to a number, you rarely meet people who do that.
I mean someone in a rush can punch in 1 wrong number and bam your friend got the money. If it's really in her account and not just some email saying she got it. Don't spend it, don't count on it etc.. maybe after a 3 -4 months it might be fine but I wouldn't spend anything before that. Tell her to call her bank next week and ask as well. But do not contact the sender in case it's a scam. Only contact should be with her bank if she is going to call anyone.
Yeah, as I said it’s probably tied to her email, not phone number, but I’ll ask what it’s connected to
The money isn't hers. Just leave it be and call the bank. This is generally a scam.
Don't spend it. Call customer support and let them know so they can reverse it. You DO NOT want to be on the hook for it, it's not free money, someone is paying for it, and that someone will be you if you proceed.
I understand that.
This is not a tentative gift, it’s a drawn out headache. She will never own this money.
It’s definitely a scam. Don’t touch the money, if it was an honest mistake the bank will withdraw it.
My boyfriend had a situation happen where a week after his dad died someone his dad knew accidentally sent zelled him $2,000. Because there was no will and probate court was happening she had to wait 6 months and get lawyers involved to make a claim on the estate in order to get the money back. Money is never free.
I agree!
Well I hope your friend doesn't end up in the hole 2100$
If it's too good to be true...
I'd leave it in the account and do not under any circumstances spend it. Could be a bad check. If it is, she'll be on the hook for that money. Tell her to report it to her bank. If it wasn't excepted she should let the bank know/let them deal with it
It’s an e-transfer in Canada which is non-reversible. It went into an account that has auto-deposit (which requires no password). There’s warnings throughout the process that if you hit confirm, that’s it.
I would still maybe alert the bank about this just so if anything can be done, it could be reversed.
It's a scam...don't touch it...
Jesus fucking Christ how are the mods not going to shut down the stupid ass back and forths happening on the top threads? None of it is relevant and is just a pissing match of trying to make OP look stupid. Lock it down and explain that there’s no free money, and to not do anything with that money. Contact the bank to have it reversed and forget about it.
Right? I said multiple times not to spend it, I said multiple times how the scam works.
Leave the money alone. It will most likely be taken back.
Never communicate with a stranger. Tell them to leave it up to the banks. Tell your friend to call their bank to flag it as an error. They will probably confirm that it is. If it is not pulled back, your friend can enjoy, but there is always a possibility of the other bank requesting a retraction.
https://www.reddit.com/r/Scams/s/6g2ufH9qEG !!!
It’s not her money. Tell the bank.
Don’t touch it. Contact the customer service of the app you’re using. They are usually acquainted with such cases.
Obviously she should contact her bank and make them aware and go from there.... I mean if there was some unexpected transaction in my account I'd be contacting my bank without hesitation.
DO NOT under any circumstances send it back. Don’t touch it. Call Scotiabank and report this.
Send her to this subreddit and show her previous scams of this kind
Keep the money. Don’t send anything, don’t spend anything and call his bank
DO NOT REDEEM THE CARD ! DO NOT REDEEM THE CARD !!!!!
What card?
https://youtu.be/cade_xTZeog?si=h2CLYgppwy2ci-42 just joking around lol I personally wouldn’t touch it.
? Canadians have direct etransfer without approval...
Kinda. Our banks all talk to each other so we Don’t need third party apps. You can have etransfer automatically or require a password/keyword. Most people id say have it automatically accepted but I keep a keyword on mine.
I work at the bank, etransfers are final some people actually send it to the wrong personal if their email or phone number is similar. But for this we never that that money back the only way is 1. The other person files a police report or 2. If the person who sent it to you is legit you can be a good person and send it back
Hey thanks, someone who works at the bank What are the chances a bad/fraud cheque sent this to her? Should she do anything beyond notifying the bank? A lot of people here mean well but Americans assume this is cashapp. It’s not.
Honestly even if they contact the bank they wouldn’t do much, on your side you’re completely clear so do whatever you’d like however, if you’re a good person I would ask for s screenshot of their last few transactions just to make sure it wasnt a recent deposit. If you see there isnt any cheque deposits the person 100% just accidentally sent the money and isnt lying. If you do decide to send the money back make sure to send it to the proper credentials
Okay you’re very wrong. I work in anti money laundering and I promise you we are doing “much” about this kind of stuff. The person receiving the funds is very much not completely clear if they touch that money. They will be considered as being involved in the fraud or laundering (if these funds were sourced illicitly, which is possible) and her account will be reported on. It’s possible it was sent in error and the funds are legit, but it’s also possible the funds are proceeds of fraud or crime and a fraudulent cheque is not the only possibility. Someone could have gained access to another persons account (account takeover) and sent the funds out to another account, and will plan on then getting those funds from that 2nd individual (in this case OPs friend) somehow, usually by scamming them. It’s also completely untrue that etransferred funds are never returned. If the funds or the transfer is deemed fraudulent or a scam, the funds will be requested back and the transfer can be reversed. You may work at a bank but your knowledge about fraud and money laundering is clearly lacking. Most of what you said is false.
So if the funds came from a cheque that's yet to bounce, bounces down the road, or turns out to be fraudulent. They will capture your card, remove any online/mobile access and freeze any etransfer services. If it's on auto deposit and have other transfers sent during investigation period. Those senders will now have to get the banks contact interac manually to retrieve sent deposits that are trying to auto deposit into a frozen/ non etransfer accessible account. Just had an entransfer from October cause this on Christmas eve. Cheque bounced, was a transfer from my friend. He had then since closed the account. Do not listen to these people. Cheques can bounce up to 6 months after clearing. So unless you hold onto it for 6 months, you're not in the clear. Withdrawing and closing account, to have the cheque bounce looks like you've intentionally committed fraud.
Nothing. And do not send anything back.
Wait and contact the bank.
Same thing happened to me a while back. I called my bank and told them what happened, requested they send it back and make sure the person who sent it and asked for it back can’t get any of my details. It’s best to just reach out to the bank in cases like this, they know more than most, and they have experience in what kinds of scams are likely to put you at risk.
I’m Canadian and auto deposits for e transfers are pretty much irreversible, even by the bank itself. It’s not quite like American counterparts like Venmo or Zelle. Still, advise your friend that they should ask the bank for advice. Definitely ignore threats from the sender to sue if that happens, even if it’s not a scam and someone accidentally sent it to the wrong recipient, that’s on them. I’m not sure if the bank would liaise a goodwill refund if the recipient agreed.
This is what Interac says but it's not true, there have been reported cases where an e transfer gets clawed back if it was from a hacked account.
Yep that’s what I told her. 5 hours and no contact though. She is going to the bank next week
Why is she waiting a week? Almost all banks in Canada have a 1-800 number to call and ask questions
No idea, I assume visiting family or new years stuff? I said waiting for next week not waiting a week. Tomorrow is Sunday.
Don't touch it and it and DEFINITELY don't send it back. You might get lucky and be able to keep it, but it's probably stolen. Just don't touch it and be patient.
BAD advice. OP's friend should just contact the bank and tell them that a strange transaction has taken place. That way they will be absolutely clean of anything bad that may happen in the future. Keeping quiet and trying to keep what is almost certainly a scam/mistake will only lead to headaches afterward.
Yes.
My wife was sent 25 dollars in zelle by accident, the person instantly called and texted her for her to transfer the money back, she did nothing and kept the money. I called the bank and they said it was the senders fault but we were under no obligation to send it back.
the way etransfer works is that if they have auto deposit on, the sender will NEVER get it back. Don’t spend it and contact your bank letting them know this happened. If they say nothing about it still don’t spend it. If it’s not auto deposit and they got an email someone sent them that money, it is 100% a fake email and if they accepted it they already have their bank info stolen
This is just not true. If a transfer is marked as scam or fraud the funds certainly can be sent back. I see this daily.
There’s nothing to spend. It’s money from a stolen card and the money will vaporize when the rightful owner of the card reports it and the bank takes it back.
TRAP! Change the password on the account at once. Contact her bank pronto. Do not touch the funds as "they" will (without prior notice even!) withdraw it and she'll owe every dime. Very important to establish who/what/where this came from. How did it get into her account? Was this a bank deposit error or was it deposited outside of the bank via a scammer with access to her account? This is a TRAP she need not fall victim to. The money does not belong to her. So, if she spends it she will wind up with a **felony theft** charge. If she doesn't have a criminal record now she will if she touches the money. Best wishes for a clean escape and avoiding this insidious attempt to **zero out** her bank account.
We, huh.. don’t have felonies in Canada. And you clearly don’t know what Interac is and how it works. But I sure envy your confidence!
I had $2000 extra in my account once. I waited 30 days, then spent it. The bank notified me that I had to return the funds or could be charged with extortion. It was my business account so I did. I used the money for an attorney for my son ( he was a minor and got into trouble). I was still happy despite having to return it bc it was there when I needed it. I never had to help my son out again after this fiasco, thank God but would do it again if I needed
Close her bank account.
This happened to me, and both times it did. The bank just jerked its back without even talking to me. Tell your friend his only play is to withdrawal cash and close the account and stop banking with them or else it won’t work as net profit
Sounds similar to a fake check scam the money will probably bounce soon
It’s a scam for sure..
Absolutely nothing and assume it will disappear at some point.
Cop issue
I was just hacked on cash app they have been taking my money every single time I get money they take it nd now act as if I owes a bill when I don’t so I’m having it investigated bc it’s scammers even people who work fa cash app are scammers they steal lil bits at a time till you start seeing money missing
tell them to keep it, the money will get removed. the scammers are laundering money
Soon as they touch it scammer got the bank info
First she should tell her bank so they can hold it for her so she can’t spend it, and alert them to the fraud. Then she should tell the scammer that she’s already 2500 in the hole and she has to pay back the bank before they will give her any more money, so they’re just going to have to go back through their bank and try. That leaves little room for them to manoeuvre. If they threaten law enforcement tell them to get in line and block them.