topic Re: Mobile deposit not ours in Personal Finance

Mobile deposit not ours

Jnbmom — Sun, 16 Feb 2020 16:17:43 GMT

Ok of course my bank isn't open til Tuesday . Just received an alert about a mobile deposit for 814.00. We didn't make a deposit 😳 It is not even on my deposit history. It would be a nice treat but it's not ours.

Not sure how this happened. Computer glitch ?

Re: Mobile deposit not ours

tcbofade — Sun, 16 Feb 2020 16:26:38 GMT

Could be a glitch, could be an honest human error, could be prep work for fraud.

Sorry that you'll have to wait for Tuesday, but DO call your bank as soon as possible.

Good luck!

Re: Mobile deposit not ours

Jnbmom — Sun, 16 Feb 2020 16:40:07 GMT

@tcbofade

Thanks. I just hate waiting to see what this is all about😡I will keep me eye closely on accounts until then .

Re: Mobile deposit not ours

DaveInAZ — Sun, 16 Feb 2020 18:09:23 GMT

@Jnbmom wrote:
Ok of course my bank isn't open til Tuesday . Just received an alert about a mobile deposit for 814.00. We didn't make a deposit 😳 It is not even on my deposit history. It would be a nice treat but it's not ours.

Not sure how this happened. Computer glitch ?

Go on a shopping spree, stat!

Just kidding of course. It could be a computer glitch, but unlikely - when you log into a mobile app it's only going to give you options for your accounts. I think possible prep for fraud more likely than a computer glitch. Change your banking login ASAP, and if you use that bank's login for any other logins change those as well.

Re: Mobile deposit not ours

Jnbmom — Sun, 16 Feb 2020 18:12:45 GMT

@DaveInAZ wrote:
@Jnbmom wrote:
Ok of course my bank isn't open til Tuesday . Just received an alert about a mobile deposit for 814.00. We didn't make a deposit 😳 It is not even on my deposit history. It would be a nice treat but it's not ours.

Not sure how this happened. Computer glitch ?
Go on a shopping spree, stat!
Just kidding of course. It could be a computer glitch, but unlikely - when you log into a mobile app it's only going to give you options for your accounts. I think possible prep for fraud more likely than a computer glitch. Change your banking login ASAP, and if you use that bank's login for any other logins change those as well.

@DaveInAZ

Thanks good idea changing password right now

Re: Mobile deposit not ours

tcbofade — Sun, 16 Feb 2020 18:31:18 GMT

While that is certainly possible, $814 is rather large for a fraudulent deposit ruse... I suspect human error by either the depositor or the bank. Perhaps banks computer misread a few digits of an account number?

Re: Mobile deposit not ours

Jnbmom — Sun, 16 Feb 2020 18:44:36 GMT

@tcbofade wrote:
While that is certainly possible, $814 is rather large for a fraudulent deposit ruse... I suspect human error by either the depositor or the bank. Perhaps banks computer misread a few digits of an account number?

I thought so too, but it's mobile which is odd because you deposit that while you are logged in? But I guess their computer system may be glitched?

Re: Mobile deposit not ours

DaveInAZ — Sun, 16 Feb 2020 20:50:30 GMT

@Jnbmom wrote:
@tcbofade wrote:
While that is certainly possible, $814 is rather large for a fraudulent deposit ruse... I suspect human error by either the depositor or the bank. Perhaps banks computer misread a few digits of an account number?
I thought so too, but it's mobile which is odd because you deposit that while you are logged in? But I guess their computer system may be glitched?

Yes, I do mobile check deposits regularly and did one this week. Once logged in the app the only thing you key in is the amount of the check, and then if you have more than one account you select which account you want the deposit to go into from a drop down menu, then take a pic of the front & back of the check. And not really that large an amount, I'm pretty sure my banks give me instant credit of up to $1k/day. @Jnbmom you might check your external accounts, if there's a new external account you don't recognize delete it.

Re: Mobile deposit not ours

Jnbmom — Sun, 16 Feb 2020 23:24:15 GMT

@DaveInAZ

That's exactly how I do my deposits, I wish I put in 800 bucks today 😂

Just can't figure out how it got deposited to our account, I did zero bank transactions this weekend .

No odd external accounts

Re: Mobile deposit not ours

GApeachy — Sun, 16 Feb 2020 23:27:50 GMT

@Jnbmom wrote:
Just can't figure out how it got deposited to our account, I did zero bank transactions this weekend .

That's mine! I was wondering where I put it

Re: Mobile deposit not ours

coldfusion — Mon, 17 Feb 2020 00:48:46 GMT

Call your bank's customer support number ASAP - i.e. don't wait until Tuesday to call if they're open tonight - and tell them there was a deposit made to your account that you don't recognize. They'll open up an internal investigation to figure out what happened but it was almost certainly due to human error, and when all the i's are dotted and t's crossed they'll withdraw from your account and credit it correctly.

The sooner they know about the error the sooner the rightful owner will get their money, and not having that $800 available when they expect it could put them into a real bind in the short term.

This happens sometimes in-branch when a depositor writes down the wrong account number on a deposit slip or the teller makes a mistake typing in the account number when processing the deposit.

Happened to me last year (I think I mentioned it in GC) when I discovered an unexpected upper-4-figure deposit to my checking account. Someone deposited some checks and the teller inadvertently reversed 2 digits so the entire deposit was credited to my account.

Re: Mobile deposit not ours

Jnbmom — Mon, 17 Feb 2020 01:54:00 GMT

@coldfusion wrote:
Call your bank's customer support number ASAP - i.e. don't wait until Tuesday to call if they're open tonight - and tell them there was a deposit made to your account that you don't recognize. They'll open up an internal investigation to figure out what happened but it was almost certainly due to human error, and when all the i's are dotted and t's crossed they'll withdraw from your account and credit it correctly.
The sooner they know about the error the sooner the rightful owner will get their money, and not having that $800 available when they expect it could put them into a real bind in the short term.

This happens sometimes in-branch when a depositor writes down the wrong account number on a deposit slip or the teller makes a mistake typing in the account number when processing the deposit.

Happened to me last year (I think I mentioned it in GC) when I discovered an unexpected upper-4-figure deposit to my checking account. Someone deposited some checks and the teller inadvertently reversed 2 digits so the entire deposit was credited to my account.

@coldfusion

Will do . Getting a live rep is quiet difficult I hit lost my card option still got a message I will keep trying . This is a very small town local bank .

Weird though because it's a mobile deposit and it's a Sunday and they were even closed yesterday as well.

Re: Mobile deposit not ours

coldfusion — Mon, 17 Feb 2020 01:58:37 GMT

Don't go crazy over it, I suggest you do your diligence if for no other reason than to have a clear conscience but there's no moral obligation here for you to go through hoops either.

Re: Mobile deposit not ours

GApeachy — Mon, 17 Feb 2020 09:06:05 GMT

@GApeachy wrote:
@Jnbmom wrote:
Just can't figure out how it got deposited to our account, I did zero bank transactions this weekend .

That's mine! I was wondering where I put it

Sorry for the joke....

Did you already do your taxes? (not a refund?) ETA: it was definitely a mobile deposit? (scratch the other thought then)

Re: Mobile deposit not ours

Jnbmom — Mon, 17 Feb 2020 11:01:23 GMT

@GApeachy wrote:
@GApeachy wrote:
@Jnbmom wrote:
Just can't figure out how it got deposited to our account, I did zero bank transactions this weekend .

That's mine! I was wondering where I put it
Sorry for the joke....
Did you already do your taxes? (not a refund?) ETA: it was definitely a mobile deposit? (scratch the other thought then)

Nope we owe again this one of these years we will break even 😂

Nope definitely mobile deposit and not listed on my mobile deposit history so I know it's not ours .

Re: Mobile deposit not ours

Jnbmom — Tue, 18 Feb 2020 20:12:02 GMT

I called this am they claim it was a computer error? So they reversed the deposit . It still makes me kinda uneasy though but hey it's not like I don't have other banks I could move our money too 😂

Re: Mobile deposit not ours

GApeachy — Tue, 18 Feb 2020 20:41:40 GMT

I hope whoever didn't receive their funds in a timely manner didn't bounce....and if so, hope they covered the charges and/or let pymt process. At least it happened right here at the Holiday Weekend.

eta: did you ask how the computer messed up between an image and log on credentials?

Re: Mobile deposit not ours

GApeachy — Tue, 18 Feb 2020 20:43:43 GMT

@Jnbmom

Did they explain how that kind of mixup can happen? I mean you have to capture an image and log into your acct. in order to Mobile Deposit. I am curious how a computer error happens like that?

Re: Mobile deposit not ours

Jnbmom — Tue, 18 Feb 2020 21:28:34 GMT

@GApeachy wrote:
@Jnbmom
Did they explain how that kind of mixup can happen? I mean you have to capture an image and log into your acct. in order to Mobile Deposit. I am curious how a computer error happens like that?

@GApeachy

Ok very weird apparently this was a deposit we made on 4/18/19 and for some unknown reason the computer redeposited some accounts this weekend for that mobile deposit on that particular date Some kind of glitch on several accounts😳But we were not the only ones, but it was good to know this wasn't somebody else's deposit.

Re: Mobile deposit not ours

GApeachy — Tue, 18 Feb 2020 21:38:31 GMT

@Jnbmom wrote:
@GApeachy wrote:
@Jnbmom
Did they explain how that kind of mixup can happen? I mean you have to capture an image and log into your acct. in order to Mobile Deposit. I am curious how a computer error happens like that?
@GApeachy

Ok very weird apparently this was a deposit we made on 4/18/19 and for some unknown reason the computer redeposited some accounts this weekend for that mobile deposit on that particular date Some kind of glitch on several accounts😳But we were not the only ones, but it was good to know this wasn't somebody else's deposit.

Okay, that makes more sense. But at least they know you're an honest person....Kudos Sistah!