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My Bank Deposited Money Into My Account, Now They Want It Back

The Ramsey Show Highlights 352 views

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Myhomeaddressok
Comment from : @susandensing-j7m

Atabaystmacaascaymoncebu6006
Comment from : @susandensing-j7m

Givememymoneyinmybankofsusandensing
Comment from : @susandensing-j7m

The question wasdoes he need to pay the money back and if not, what can the bank do??? you were long winded for now reason!!!!!
Comment from : @coachknows

😢 that's why I don't like Bank's
Comment from : @sharonanderson540

WHAT THE HELL WAS THE "START TO MANAGE GOD'S MONEY GOD'S WAY FOR GOD'S GLORY???????????????" HOLY FUCK WE INVOLVE THIS MIDDLE EASTERN FAIRY TALE INTO EVERYTHING?
Comment from : @jordansinger8543

It got accidentally 700
Comment from : @Decode_Existence

Dave did a great job The rest of the call Just WOW brHow many children does that lady have?
Comment from : @Osos-man

No judging the caller nobody knows what situation he comes out of
Comment from : @blairkinsman3477

One of them saw the money in the bank and spent it before the other could
Comment from : @RichardsWorld

I once deposited a $2000 business check after selling an old car Days later bank told they had no record of it brI insisted I gave it to a teller who deposited it and showed the receipt They brought in more and more managers and after a full 10 minutes of computer searching and discussions they “found it” brAlways keep your receipts! If I didn’t have my receipt, they would’ve blown me off
Comment from : @teutonalex

And I think communication is lacking on the husband with the wife
Comment from : @YanilleCastillo

And maybe that’s a test from God
Comment from : @YanilleCastillo

For 682 pay it back for peace of mind
Comment from : @YanilleCastillo

I have never needed gap insurance Didn’t even know what it was As I listen to Dave I like my banker more and more She would never loan more than the car’s value (but I always saved a good down payment) Also, she always suggested paying more than the minimum payment on house and car That was part of her “lecture” when we went in for a loan
Comment from : @tmusa2002

Always buy the gap If you're going to finance a car/boat/rv/whatever always buy the gap insurance
Comment from : @IsaidIt_2

Something similar happened to my husband, the bank deposited money into his account Thank goodness I didn't let him spend it lol
Comment from : @diceportz7107

The guy never said he actually had GAP insurance
Comment from : @greggalletta8679

This guy is incredible wow
Comment from : @festevez44

What a weak man I hope Dave was able to help him
Comment from : @makers721

Guy clearly wanted to hear he could keep it
Comment from : @slayton5us

Tell the bank to F off
Comment from : @allanhood8402

Bro I’m not the smartest man walking earth but how tf u don’t know what gap insurance is and talking about u get nervous when ur wife speaks on finances bruh your problem is u need to become a man not no mfn 688$🤦🏽‍♂️
Comment from : @nickwagner9551

If a Direct Deposit goes into a Closed Bank Account It Will Reopen The Account And yes, it can be done Do not waste your money on an Attorney
Comment from : @debbiebooker4649

Did he just say he gets scared talking to his wife about money ? 🤔
Comment from : @symlexbrn5396

LOL This was interesting The things some ppl act confused about is very interesting Privilege!
Comment from : @alisad811

Did the same thing too me 😂🤣, I gave it back though I didn’t want them to take anything
Comment from : @Offthe_radar

You have any actual financial advice Dave?
Comment from : @GameHEADtime

Why even waste time calling Dave about such a small amount?
Comment from : @GTRrocker84

Ummm Dave, there really aren't any gods
Comment from : @TailoredReaction

This happened to me and I was told by the state banking system I better not spend it
Comment from : @jillygirl2024

So he just took the money, spent it and didn't wonder what exactly it was for or if it was truly due him?
Comment from : @CityCinderella

Poor Jacob, not to smart Lets pray for him
Comment from : @janephillips3627

The principle of just letting Banks 'repossess' money THEY think they're owed, carte-blanche, is problematic Mistakes are made, sure, but mistakes come with penalties and consequences The Bank made an error, and they need to offer something I notice that when someone over-drafts an account, or a payment arrives late, the Bank punishes their customers with fees and exploding APRsso let's stop pretending that it's "unfair" to demand redress here
Comment from : @Kidsinamerica

Hes scared to talk to his wife about money? We all know who wears pants in this relationship dont we not that theres anything wrong with it but geez dude growacet
Comment from : @Outrageousconduct

he sounds young
Comment from : @outoftheboxwoodworks7560

Is not your money It may be annoying but is not your money
Comment from : @seferinorino6951

The house never loses
Comment from : @rdbeaz

Its $682 dollars, I stopped watching after he said that
Comment from : @amazingjlandscaping9830

I have to commend Dave Ramsey's poise in addressing this gentleman A true teacher's demeanor
Comment from : @adafalla

I'd switch banks if my bank made this kind of mistake
Comment from : @BarryMichaelDoyle

D u m b
Comment from : @fernandazamora225

They will send you to jail
Comment from : @kidsstudynow6901

You don't get refunds on Gap insurancegap is always part of the monthly payment
Comment from : @kidsstudynow6901

I avoid all this BS by showing up with cash to buy cars Much easier and cheaper too
Comment from : @zachbean8210

Is this guy serious pay it back period You don’t need to call dave to ask this
Comment from : @Jason-uw3wn

What kind of idiot?
Comment from : @lindajacobs1487

Had this happen to me
Comment from : @jordonhodges8493

if he paid off early there should be a gap refund
Comment from : @lmcdonald1879

I get the feeling this guy had no idea what Dave was talking about 😂
Comment from : @growandgame

Done EVER withdraw or spend money that is given to you in error, because stuff like this happens
Comment from : @Misssarabee

I belive some companys will tell you that gap insurance is not refundable
Comment from : @nicholascandelario8876

If the bank accidentally deposited money in your account you don’t have the right to pull it out and keep it You will lose this fight
Comment from : @donaldrichey3318

A relationship with the Lord has nothing to do with what you should do morally Wrong is wrong and right is right
Comment from : @markpolice3585

I understand he should pay it back, but the amount of ppl defending banks is just wow
Comment from : @AC-os1he

He needs to start with his original loan closing document, which will show (1) if gap insurance was acquired, (2) whether it was prepaid or not, and (3) if acquired, how much was precharged (financed as part of the loan) $682 seems a lot to be an insurance premium refund on a early payoff of the loan, but there isn't enough information discussed here to make an educated guess The caller starts by saying that he morally owes the money to the CU, so why did he call the program? Like a lot of God driven moralists, he seems to be hoping that Dave will find him an ethical loophole to let him say he doesn't have to repay the CU without tarnishing his sense of "godliness" Pardon me while I chuck lunch
Comment from : @randallstewart175

Dang my bank accidently deposited 13k in my account and i called them right away and told them
Comment from : @brianadams6204

There was someone in New Zealand that got a couple of million accidentally in their accounts Went on the run Think they were finally found in Thailand In jail now
Comment from : @jasonzelic9030

Just withdraw it in cash and switch to another bank account Never answer any calls from them and never speak to them again Easy
Comment from : @austinpage9463

Great episode! And great education for this guy!
Comment from : @sgrager2

I had to rewatch cause I thought he said he got 13,000 back Lol
Comment from : @lombardo141

There was a scam on PayPal and $4000 was deposited into my account I was in between jobs and it was right before Xmas I called PayPal and they said “oh yeah you can spend it” I’m glad I was too afraid to do so It was a bit of a bummer seeing that amount go away when it was adjusted in my account, but I knew it wasn’t mine
Comment from : @greatworkbilly3100

😂😂😂 you know you gotta pay that back man
Comment from : @kashfortheking

NEVER pay back an overpayment!
Comment from : @larryrichards6099

I hate it when people blame the lord for their reasoning to be an average decent self respecting human being
Comment from : @Frissdas1207

But if you accidentally pay a bank too much on a bill they don’t give that back 😂😂 the relationship with banks is so one sided
Comment from : @sinontherocks

Unbelievable I just flip $100 and got $10000 ,with the help of Dailywebearn on !G he helped me to get the money ,he is efficient, I was so surprised when I got the money
Comment from : @shwnderek1739

Get a lawyer
Comment from : @strikerz2912

Why does this guy keep using the religious card on a measly $682? Its not about returning it because of your religious belief its that yku gotta be a man and have a set and return money that is not yours
Comment from : @Dbzman-69

So the account was closed, the bank reopens it and deposits money into it They go & take they money out, close the account again and spend the money and never asked themselves why that money went into their account in the first place? A refund would have come in the mail with a letter telling what its for, they really should have asked some questions first I am not going to shame him for not having the money to pay it back so quickly because most of us will struggle from time to time but I do think they should have handled it differently in the beginning Now it's time to investigate and pay it back if its legit not theirs
Comment from : @astridferrera8742

If you have full cover most insurance companies have gap insurance Loans know this and still try to sell you this bs
Comment from : @kawa1755

Js under 700 bucksyou gotta be joking
Comment from : @yellowman617

My employer does this every year for my Christmas bonus Dont ask don't tell They pay 2-3 times what it should
Comment from : @mexicanboy92840

FIRMLY GRASP IT
Comment from : @mdm5382

Get a lawyer
Comment from : @deborahfarooq3492

If I accidentally send someone a check do I get to ask for it back too or is it just the bank that gets a backsy button
Comment from : @JohnAlcott238

If your lender requires gap insurance, get another lender I’ve never, ever had gap insurance or have even been required to obtain gap insurance Lenders don’t care about gap insurance, as it protects you, not them You are obligated to pay back the loan period
Comment from : @wendytravis6427

Yes it’s common policy to reopen an account if you closed within 30days and yes you owe the bank back
Comment from : @NONAME-ut6vb

People are making fun of this guy but he just seems like an old school countryman He just doesn't take most things seriously and goes with the flow I'd rather be around him than some over-educated left-wing social justice warrior who looks for opportunities to be offended
Comment from : @weirdnomad8868

sighis this a real call? you shouldnt take money that is not yourscome on guy
Comment from : @plants4thewin

If you knowingly keep it , its considered theft
Comment from : @jayc4715

If u give the money backbrYou have nothing to worry about
Comment from : @PInk77W1

People didn’t watch the video and commercial It’s actually worth the watch
Comment from : @justlivelovelaughfrugally

Good point about the monthly GAP payments That means they issued the refund in error and you owe the money back It sucks, but it is what it is
Comment from : @jameylane9196

Just pay it back It’s only $68200
Comment from : @lexapiscesdragonfly

The IRS did this to me, they sent me my refund twice I called them up and told them, "nice try" I returned the money as soon as I could
Comment from : @One-12937

Wow just wow If a bank ever messes up and deposits money into my account I'm closing it After the money is returned ofc but if they cant handle their money I'm not letting them hold mine It's a disgusting thought to me such a gross mismanagement of money is possible
Comment from : @badger_ninja8681

How people get scammed, don't know details of their loan, gap insurance for instance I've always been asked if I wanted it or not
Comment from : @hubster4477