Mistaken wire transfer/payment error

Maybe they’re just confused, or maybe they genuinely can't navigate that clunky new Chase digital banking interface everyone’s been complaining about lately.

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Carl Doyle92 said:Hey everyone, I’m running into a bit of a headache here. A guy needed to wire me $50 so I could get some items shipped out to him via mail. We had a clear agreement: nothing moves until the funds actually hit my account. He claims he already sent the $50 and even sent over a screenshot from his online banking app to prove it. I checked the details, and the account number matches mine perfectly, but the money is still nowhere to be found. He initiated the transfer on Thursday evening through Chase, sending it to my account at Wells Fargo. I’ve attached the confirmation photo he sent me—does anyone know if there's an extra step where he needs to authorize the payment, or is this just a typical delay on the bank's end?

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Frankly, I don't see any reason for him to play games; I was very explicit about not shipping anything until the balance shows up in my account. I even went out of my way to tell him repeatedly that I wouldn't budge until the funds cleared, specifically so he wouldn't think I was the one trying to pull a fast one.

It's possible he still needs to confirm it since it says "pending orders," but I don't use Chase so I can't be sure. Usually, if a transfer goes through, it shouldn't say "pending"—it should say "processing" or "completed." He probably needs to click one more button to finalize it. It happens, and he might not be lying, but... you know how people are these days. Anything can happen.

Carl Doyle92 said:Hey everyone, I’m running into a bit of a headache here. A guy needed to wire me $50 so I could get some items shipped out to him via mail. We had a clear agreement: nothing moves until the funds actually hit my account. He claims he already sent the $50 and even sent over a screenshot from his online banking app to prove it. I checked the details, and the account number matches mine perfectly, but the money is still nowhere to be found. He initiated the transfer on Thursday evening through Chase, sending it to my account at Wells Fargo. I’ve attached the confirmation photo he sent me—does anyone know if there's an extra step where he needs to authorize the payment, or is this just a typical delay on the bank's end?

View on imgur

Frankly, I don't see any reason for him to play games; I was very explicit about not shipping anything until the balance shows up in my account. I even went out of my way to tell him repeatedly that I wouldn't budge until the funds cleared, specifically so he wouldn't think I was the one trying to pull a fast one.

That isn't a paid invoice; it’s just a scheduled payment. Once he actually settles it, he can easily download the PDF confirmation.

Just wait for it to show up in your bank account and ignore those sketchy screenshots.

He might be trying to pull a fast one on you. This looks like a pre-set order. I’d suggest heading over to the executed orders section to find the invoice, then just download it as a PDF like the user mentioned earlier and send that over. Just don't send him anything until that's done.

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mistydrifter56 said:He might be trying to pull a fast one on you. This looks like a pre-set order. I’d suggest heading over to the executed orders section to find the invoice, then just download it as a PDF like the user mentioned earlier and send that over. Just don't send him anything until that's done.

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The real issue here is that the guy clearly doesn't know what he's doing. I already told him to hold off on any payments until the funds actually hit the account.

Someone else's paycheck just landed in my account by mistake, and
totally out of nowhere, I actually know who it belongs to, so I reached out to them immediately. They're trying to convince me to just withdraw the cash and hand it over directly, but honestly, I'm a bit worried that some government agency or the IRS might come knocking on my door later claiming I have an undeclared source of income or something. Even though her name shows up in the recipient field, the money is sitting in my account. Is there a way to just hand this money over without any legal headaches, or should I let it go through the proper channels—like having it returned to the sender's employer—and just wait for everything to be processed correctly?

If I were in your shoes, I probably wouldn't handle it that way... I'd just head straight down to Chase and let them deal with all the headaches themselves...

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The bank shouldn't be the one dealing with this; it’s the company responsible for the erroneous transfer that needs to step up.

The employer should immediately reissue the paycheck and then handle the recovery process with the bank on their own time.

In a situation like this, you don't just hand out cash—not even to your own brother.

Personally, I’d just call the bank and let them know the transfer was a mistake—then let them deal with the sender and figure out how to trigger a reversal or whatever the hell they need to do to fix it.

So some guy showed up at my place because he missed his Verizon bill and wanted me to Zelle him the cash so it would clear instantly... but then he goes and leaves his own damn name on the payment memo instead of putting the actual account holder's info in the "who this is for" field.

Is this gonna be an issue? I can't exactly kill the transaction once it's sent, especially since the recipient is just the carrier's billing account anyway... man...

Look, if the phone call covers the number, the model, and all the specifics clearly, there shouldn't be much of an issue—but honestly, why risk it? Just forward him the PDF confirmation via email. It’s better to have that paper trail sitting in his inbox just in case things get messy later.

mistyjackal24 said:So some guy showed up at my place because he missed his Verizon bill and wanted me to Zelle him the cash so it would clear instantly... but then he goes and leaves his own damn name on the payment memo instead of putting the actual account holder's info in the "who this is for" field.

Is this gonna be an issue? I can't exactly kill the transaction once it's sent, especially since the recipient is just the carrier's billing account anyway... man...

Just email them a confirmation of the payment and explain what happened.
As long as the account number is correct, it shouldn't be a big deal.

If he’s actually bothered to check first thing in the morning, his account status should be updated in the Chase app or on the website—so if everything looks right there, then there's really nothing to worry about.

Gary Reed9 said:Look, if the phone call covers the number, the model, and all the specifics clearly, there shouldn't be much of an issue—but honestly, why risk it? Just forward him the PDF confirmation via email. It’s better to have that paper trail sitting in his inbox just in case things get messy later.

The part number, the model, the description—it's all solid. My only screw-up was leaving my name out of that specific field because I totally blanked on adding it... 😵
The guy doesn't even have an email address or anything. Unless they can run some kind of check through Verizon, I might have to head over there tomorrow and sort it out in person.

All you really need is the Microsoft model and a phone number to call... everything else is just noise... names, payment details, none of that actually matters...

mistyjackal24 said:The part number, the model, the description—it's all solid. My only screw-up was leaving my name out of that specific field because I totally blanked on adding it... 😵
The guy doesn't even have an email address or anything. Unless they can run some kind of check through Verizon, I might have to head over there tomorrow and sort it out in person.

There's a My Verizon app for your phone. If the bill is for your mobile service, you just log in using your cellular data and you can see a full breakdown of all the paid and unpaid bills right there.
It’s probably all fine.

I’m looking for some advice here. Basically, my employer just realized that after six months, they've been overpaying me. Since I work in education, when I saw the bump in my paycheck, I just assumed it was part of that recent teacher union raise. Now, they're telling me there was a glitch in the Department's payroll system regarding how my years of service were calculated, and they want me to sign a consent form so they can claw back the entire "overage" from my next paycheck.

What are my actual rights in a situation like this? And who should I take these pay stubs to so someone can double-check the math? (Since everything is based on specific coefficients—where each year of experience bumps up the rate a little bit, etc.)

Thanks so much for any help you can give.

Consult a lawyer.
I’d say it’s plain wrong for you to pay the price for someone else's blunder. Don't sign a single thing.
It's fine if they adjust your pay to what you're actually owed, but what they're proposing? Doesn't sit right with me at all.

Look, I'm no expert, which is why you need an attorney to draft a formal response for them to receive officially. I’m dying to see how they react once that hits their desk.

So, I used my JPMorgan Chase Maestro card to grab something for $433, walked out to my car, opened the box, and realized—thanks to a total blunder by the cashier—it wasn't what I actually ordered.
I headed back inside, and they voided the transaction right there at the register. I got the notification on my mobile banking app about the reversal, but the money hasn't actually shown up in my balance yet—not nearly as fast as it vanished when I first bought it. They’re using a Citigroup account while I’m on JPMorgan Chase, so how long does it usually take for a refund like this to actually land and show up in my online banking?

dustyowl29 said:So, I used my JPMorgan Chase Maestro card to grab something for $433, walked out to my car, opened the box, and realized—thanks to a total blunder by the cashier—it wasn't what I actually ordered.
I headed back inside, and they voided the transaction right there at the register. I got the notification on my mobile banking app about the reversal, but the money hasn't actually shown up in my balance yet—not nearly as fast as it vanished when I first bought it. They’re using a Citigroup account while I’m on JPMorgan Chase, so how long does it usually take for a refund like this to actually land and show up in my online banking?

Was it a single charge or an installment plan?

edit: Just saw you said it was a one-time thing. Honestly, I think it’ll take a few days for sure, maybe even a full week. It never hits the account immediately... at least not in my experience.