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I actually tracked down the woman who made the payment—she gave me her transfer number, the exact amount, and her full name—so I was able to get her money sent right back to her... 🙂 Everything was settled perfectly! Now I’m going to head off and enjoy some peace and quiet while I work on my crochet 🙂))
I’ve gone through everything—really, I mean it—multiple times. Every single payment, every shipment I’ve sent out, all my emails and messages. There is absolutely no trace of that name anywhere, nor any amount even remotely close to what we're talking about, and certainly nothing indicating someone paid on behalf of another person. It's just... nothing. I'm still waiting, though. Honestly, I think I’ll head down to Chase to have them look into the transaction personally—maybe then I'll get some clarity on that name. I can't tell if this was done via online banking, an in-branch transfer, or perhaps through some other bank entirely... I really don't know where the error lies. Regardless, it doesn't matter who's at fault; I fully intend to return the money once I figure out who it actually belongs to. It isn't a massive fortune, but it's certainly not pocket change either. I know how it feels when you're expecting something to land in your account... I need to get this sorted out. Wish me luck. 🙂
p.s. It's been 4 days now.
So, I have a bit of a situation and could really use some advice. Basically, I run a small business making and selling custom personal items—I sell through eBay, Facebook Marketplace, and various auction sites. Because it’s a constant flow, people are transferring money to my checking account almost every single day. It’s a lot of moving parts; sometimes someone pays on behalf of someone else, so I end up sending the item to a different address, or I'll wait for a client's paycheck to clear before finalizing a shipment. Honestly, I’ve been burned before too—once I sent an item out thinking the payment was settled, only to find out the receipt they sent me was totally fake. Total nightmare, but that’s a whole other story. Anyway, back to the current mess. I was checking my transactions the other day and noticed a name and an amount that didn't match anything I was expecting—I was waiting on funds from a completely different person and a different total. In the moment, I didn't think twice about it; I just assumed it was part of my daily sales. I ended up spending quite a bit of it—mostly on restocking supplies for my crafts and just general household necessities. It wasn't until I checked my balance later that I realized the math didn't add up. Now I'm spiraling a little because if the bank decides to claw that money back, I’m going to hit a negative balance. To make matters worse, I don't have any overdraft protection on this account. What happens if I end up in the red strictly because of someone else's mistake? I truly believed it was my money—money I had earned through my work. Nobody has reached out to me yet, so I’m just sitting here wondering what my next move should be.