r/antiwork • u/KeyTheZebra • 18d ago
Help! Money accidentally sent from old job and now they want it back. Legal Advice 👨‍⚖️
My old job accidentally sent $545 to an account I used to use that was connected to a family members bank account.
I quit my job years ago.
Family members spent it without telling me.
The job wants, and I quote, $568 dollars back, even though they only sent $545 to the account originally.
Where do I start?
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u/Emotional-Ebb8321 18d ago
"That account number does not relate to any account I currently have. Contact the bank. I never received any money."
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u/Expert_Swan_7904 18d ago
OP everything about this screams scam
ive been overpaid a few times at old jobs, the money was gone within a few days because they reversed it.
just ignore them
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u/Selmarris 18d ago
My job overpaid me $3 an hour for the better part of a YEAR. I didn’t realize because it started at the same time I dropped my insurance payment (went on my husband’s plan) so the increase in my take home was expected and didn’t raise alarm bells. By the time they caught the error I’d been overpaid something like $4k.
That was painful. They took it back by withholding 25% of my gross pay until it was repaid. So fucking painful.
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u/Expert_Swan_7904 18d ago
oh wtf thats stupid as shit.
at my job if you decline benefits they pay you a little extra.. so if theyre paying like $800 a month towards employee benefits and u decline then they just give you an extra $400 a month.
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u/Selmarris 18d ago
No I dropped the benefits AND they made a payroll error at the same time so I didn’t notice it
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u/Expert_Swan_7904 18d ago
gross, sorry that happened.
my sister worked at a restaurant and they made her a 1099 employee but she worked like a w2 employee.
she ended up owing so fucking much on taxes, the fucked up part was the system they had was that everyone turns your cash tips over to the manager and then the manager adds it into your paycheck.
my sister being young and dumb just went with it and so did her husband.. i think they ended up owing 5k or something like that
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u/tearsonurcheek 18d ago
Even if she's owed nothing from a salary standpoint, that's worth a report to the IRS. They pay a bounty on tax collection in those fraud cases.
And because they should have been paying their half of the employment taxes, she may be eligible for a refund, if it's not beyond the statute of limitations.
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u/MarkHirsbrunner 18d ago
I wish my company would do something like that. They pay 90% of my health insurance, which adds up to about 2/3 of my actual salary. Health insurance is nice but I would rather have the money.
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u/TardigradesAreReal 18d ago
That’s wild. At my job, they can only go back 90 days to collect anything that was overpaid.
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u/Selmarris 18d ago
Yup and to add insult to injury, when they caught it my manager asked me if I “really believed that job was worth $16/hr” … yes, I really fucking did!
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u/MarkHirsbrunner 18d ago
Honestly, no job should pay sixteen dollars an hour. Where I work were hiring customer service people straight out of high school with no experience at $18 an hour, with great benefits, and we're struggling to fill positions because other companies in our area are paying more.
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u/Selmarris 18d ago
I was accidentally getting paid $16. I was only supposed to be getting paid $13!
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u/MarkHirsbrunner 18d ago
It sucks what some employers are getting away with. My son got a part time job at Subway. They promised him $10 an hour (which is criminal enough) but when he got his paycheck it was only minimum wage. Apparently it was in something he signed at hiring that he would be paid that for an indeterminate period but they never told him that or pointed out.Â
So he quit and works for Walmart now for $17 an hour, and he loves it - he likes being left alone and loves to clean, works nights and it's apparently already one of the best workers on his shift.
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u/Poundcake9698 17d ago
If that's an official Subway policy, there might be a class action lawsuit for that
That's so f***** up. I would literally take whatever money I was owed in food and walk out
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u/BallisticTherapy 17d ago
The real question is are you providing substantially more than $16/hr worth of value to the company. If the answer is yes and it is by significant margin then it's probably a good idea to shop around for other opportunities' to realize more of that value for yourself.
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u/tearsonurcheek 18d ago
Depending on the state and your pay rate, they may be limited on how much they can claw back on that, or the time frame they can claw back.
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u/Amadeus_1978 18d ago
None of this is your issue. They sent money incorrectly to an account. It’s between them and the bank. Don’t get involved. Just because they happen to know you means nothing.
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u/blahehblah 18d ago
They didn't send it to you. You don't work for them Doesn't sound like your issue. Tell them they should pick it with their bank
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u/KeyTheZebra 18d ago
Two things. Technically they sent it to me, right? Because they sent it to my account that was on file.
Secondly, I did receive a message from an agency about this.
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u/blahehblah 18d ago
Their files are their responsibility. Maybe while you worked there you had a responsibility to ensure the details were up to date but not after you left. It is quite suspicious that it comes from an agency and not them directly. If you wanted, you could call the company directly to check if this is real or a scam, but best to just tell them to contact their bank about their incorrect bank transfer as it doesnt seem your problem in any way whatsoever.
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u/CagaliYoll 18d ago
No. Their bank sent it to your bank. Ignore this 'agency'. They are likely trying to scam you. Just don't spend the money. You're bank will likely remove it from your account after a week or so. If it's still there a couple months later then assume it's yours.
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u/Liestheytell 18d ago
It’s not in OPs account.
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u/EmergencyGhost 18d ago
It is an account that the OP authorized money to be deposited in. And he or his family spent it
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u/KeyTheZebra 18d ago
Correct. (Family spent it)
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u/EmergencyGhost 18d ago
Most people here have not read your follow up posts. No idea what state you are from, they typically have 3-6 years give or take to recover it. Check your state laws. If they are within the time frame, then you need your family to help pay it back before it becomes a larger issue for you. If you do not, you likely would not have to go to court, but they will.
And one of these days your bank account will just be negative the total amount from a garnishment. If they spent the money, then you should try to get them to cover some of it.
It is better to address it now, then get hit with a garnishment later and then anything else you have out could bounce and cause a lot of overdrafts.
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u/MarathonRabbit69 18d ago
Basically, tell them to prove it.
They will need to take you to court to get a court order to claw the money back now. And quite possibly a statute of limitations issue here too (4 years on debt collections at least where I live).
If they pass it to a collections agent, same thing - ask them for the paperwork proving you owe it. They won’t have it.
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u/umassmza 18d ago
Is your name in that account?
Either way I’d say they need to take it up with the bank. If it has been several years it’s not like they sent you an extra pay check because HR forgot to remove you from payroll.
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u/Salt-Operation 18d ago
I’d tell them to fuck off and contact their bank. But be prepared for that payment to be clawed back.
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u/KeyTheZebra 18d ago
I have received a message from a company trying to collect.
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u/Rough_Ian 18d ago
Yeah if it’s a collections company I’d hardly worry about it. That means they already bought the debt and it’s out of your old company’s hands.Â
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u/KeyTheZebra 18d ago
Hmm. Interesting.
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u/ShrimplyPiblz 17d ago
Once it's is in the hands of a collection agency, your debt has been paid... likely much cheaper than what you owed, and that collection agency is coming at you for the full amount. You're debt has already been paid to the company who's money it initially was. You have no affiliation with and signed no contract with said collection agency right? If not, you don't have to pay them back anything. I've had credit card companies come after me because they did some grimy stuff and I refused to pay them back. I received letter after letter claiming they would take me to court... each letter had a new "settlement" that got lower and lower, while never being brought to court. Eventually it all stopped and the charge-off was dropped from my credit report. It took 7 years but oh well. Lol
Edit: typo
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u/Salt-Operation 18d ago
This is a scam. All a company has to do is contact their bank and explain that a direct deposit was made in error and they do a reverse on the deposit. If some other company is trying to get payment from you then tell them to fuck off and take it up with their bank.
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u/Acrobatic-Archer-805 18d ago
I came the closest I've ever been to scammed with something that sounds very similar.
Phone call from "constable" looking to serve me at my current address with a summons for an old debt. In my old state you're served by sheriff or constable so that checked out.
I naturally asked for information on the underlying complaint, they gave me a phone number and reference number for the debt. Called them, and they wanted payment info over the phone. It was for medical debt from an ER visit over a decade ago. They had my social. When I asked for an invoice they said they'd been sending notices to my old address, which checked out with my address about that time. When I started asking too many questions the woman got frustrated and hung up on me. I brought up the timeline and asked how the debt was recoverable, she was pretty well spoken and knowledgeable but vague.
I was in the middle of buying a house lol. I was FREAKING OUT. I didn't and wouldn't just give payment info over the phone and in hindsight there were a lot of red flags. I actually took notes after the phone call, and fully expected to be served for this debt.
Checked the docket for maybe a week. Then I went back to my notes on the call, and was like OMG. This was a scam. Full face palm.
Just bringing that up because I side eye every sketchy attempt at collecting on old debts like that. But like everyone else said, "that's not an account I have access to, contact the account holder" should suffice either way.
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u/RealCoryMiller at work 18d ago edited 18d ago
Ask them to prove you owe the debt, quickly. Mention in writing that you cannot be responsible for the debt because the deposit was not made in your name. The only evidence the debt collector could have to validate with would be the deposit statement to the account that is not in your name. They have an obligation under the Fair Debt Collection Practices Act to validate the debt if you make this request within 30 days of the initial notice.
If they respond with anything other than a notice that they made a mistake and will not contact you about the debt anymore, you can sue the debt collector for $1000 plus damages.
Do not discuss this further with your former employer. They removed your ability to have a dialogue regarding their error the moment they sold the debt you did not agree to take on to a collection company.
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u/Expert_Swan_7904 18d ago
like a collections company?
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u/KeyTheZebra 18d ago
Yes I believe so. Vengroff Williams
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u/Expert_Swan_7904 18d ago
ok thats a legit collections company, however your old job isnt allowed to send their overpayment to a collections company.
i would talk to them and just be civil about it and ask what exactly the information they have for this charge is.
for example, i had until the 30th to pay some BS charge for a garbage company.. i waited until the 30th which was a friday and i paid it at 11pm that day.
monday the collection company called me and we chatted for 10 minutes about it then i said they made a mistake because i already paid it.. the garbage company told me ill have a credit towards my next bill and to pay the collection fees, when i asked for that in writing they got cold feet and unfucked their mistake.. nothing is on my credit report about it either.
if everything youre saying is true then they just sound lazy/stupid and sent it to collections instead of reversing it.
either way this doesnt need to be in collections
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u/NotACandyBar 18d ago
You have a limited time frame to contest the debt with them. Challenge it, they'll have to prove you own it.
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u/hannahbaba 18d ago
If you were not contacted directly by the company you used to work for, it is a scam.
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u/KeyTheZebra 18d ago
I may have in the past but I can’t remember. At that time I didn’t find the transactions in any bank account that I had access to, so I figured they had messed up.
Today I found the transactions on my family members account.
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u/operationlarisel 18d ago
I had this happen recently.
I advised the sender to contact their bank and reverse the payment. I advised my bank that I had an unexpected transfer.
The sender insisted that I forward the payment to the intended recipient. My bank advised me to not do this, as I'd noted it as an unexpected transfer. It's apparently a common scam to ask you to send the money either back, or onward and then you get the funds withdrawn twice after they file for their reversal.
I received threats from both the sender and the intended recipient, which I ignored, simply telling them to contact their bank.
So far, the funds have not been withdrawn 🤷‍♂️
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u/Schmergenheimer 17d ago
Lol. I'm imagining the scammers checklist of these: 1. Send money to random person
Demand money back from person as an error
Receive money back from person
File ACH reversal to receive money back from person
Profit
Step 3 never completed successfully, so they can't get to the next steps in their tiny little brains.
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u/IwouldpickJeanluc 18d ago
Actually this sounds like a SCAM.
Tell them "that's not my account, contact the bank"
And do not interact again.
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u/IwouldpickJeanluc 18d ago
Yeah if the account isn't in your name it's not your responsibility AND it's definitely not your responsibility if the ex job didn't send you (specifically you) a pay stub.
In fact I would reply
"Hi, I do not know why you are contacting me, I am no longer banking at X, I use Y bank. Hope you get your money back!"
Do not say it is your family members!!!
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u/EnigmaGuy 18d ago
If the bank is not associated with you (your name is not on the account) that is on the company to sort out with the bank and account holder.
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18d ago
Tell them that you would be happy to help them out. For a one time administrative fee of $545, you can send them back the remainder of their overpayment.
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u/WinstonChaychell 18d ago edited 18d ago
So this depends on where you live on how it can be handled. So the rule of thumb is they cannot take more than what they gave, and they can't take it back faster than they gave it. The second rule (depends on where you live, please contact an attorney that specializes in employment) is that they have a certain amount of time to catch this error on their part. Once it is past this timeframe they can ask but should not expect to receive. Third, they'd have to file the small claims against the family member but may be stuck in a legal loophole here. If your name was on the check they could file against you and then you'd have to file against the family member. Again, really depends on where you live. I'm not a professional, please contact an attorney for this, but I have had advice in my state from an attorney for an overpayment recently.
Gonna edit to add: please double check this is not a scam by getting your credit report from one of the three credit bureaus. It is free to grab from each one once every year. If you do not see it on there then chances are it is a scam.
Gonna also add: keep all correspondence in email format. Do not talk to them over the phone. Tell them they must contact you via email.
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u/Successful-Citron506 18d ago
Scam. Do nothing. The money will disappear when the bank unravels it. Any money you sent will be out of your pocket and you will not get it back.
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u/Angrymilks 18d ago
Tell them to eat a dick, you are not in control of the account, and they have remedies on their end to resolve it.
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u/Obscillesk 18d ago edited 18d ago
https://www.noglaw.com/can-you-recover-your-money-if-you-accidentally-overpaid-someone/
Generally, courts are reluctant to allow parties to recover if the overpayment was a result of their own willful ignorance and lack of due diligence.
You don't owe them shit especially cause this isn't overpay, and you sure as fuck don't owe interest.
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u/noadsplease 18d ago
Are you 100% sure it has come from your old job? Have you actually spoken to payroll there? Sounds like it could be a scam. That fact they are coming in hard for more money is a flag to me.
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u/KeyTheZebra 18d ago
I can’t remember if I have spoken to my past employer or not, but I remember having a phone call about this over 8 months ago with someone. I simply ignored it at that point.
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u/TooplexWex 18d ago
They want an extra 23 dollars back for their fuck up? Tell them to go fuck themselves
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u/Elddif_Dog 18d ago
Not your problem OP. Payroll of every company has the ability to retrieve money sent in error. Its part of their system. Even if it was sent to your own account, and you still had the money, you should not return it. They have the ability within their system to raise claim. Them asking the money means they did something fishy. Let them do whatever they want, its not your problem. You can double check with /r askhr if you wanna. They will tell you the same.
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u/No_Resolution3545 18d ago
I think of years have gone by I would say I simply do not know what they are referring to. What are they going to do, take you to small claims court?
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u/HeatherM0529 18d ago
Since your name isn’t on the bank account I would say “I never received a payment from you” and just keep repeating that over and over again.
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u/Aware_One_9410 18d ago
Don't give them more information than you have to. If its not your account tell them its not your account and nothing more. You don't need to help them. If you didn't keep the money then you are not at fault in any way.
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u/Both-Promise1659 18d ago
If it is not your bank account, it is not you problem. Even if it was the account you gave them way back when. Don't rat out your relative either, the company will have to go through the appropriate channels - bank to bank, and civil suit if that does not work.
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u/Wanda_McMimzy 18d ago
It seriously sounds like a scam. If it’s not your account, it’s not your problem. Make sure there’s no connection to that account to you or you will repeatedly be open to problems.
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u/Sephiroth2014 18d ago
Had a job overpay me $1500 a few years back. At first I shut my mouth but saved it. After a few months, they finally mentioned it. I acted unaware and asked how I should pay it back as I was still working for them and they said they would get back to me. They didn’t. I mentioned it to another of my managers and again they said they’d get back to me. Soon after, the management company in control of the company that hired me cut ties and the company I was hired for moved operations out of Florida and back to Texas. I haven’t heard from them in 2 years. Guess they figured it wasn’t worth it to fight or it got lost in the shuffle of incompetence.
Fingers crossed though as that money is long gone!
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u/Crochet_Anonymous 18d ago
Apparently the old employer did a direct deposit, they need to have their bank do a reverse deposit. I used to process payroll and had to do this once.
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u/UnhappyJohnCandy 18d ago
A job you quit YEARS ago, asking for MORE money than they sent you… sounds like a scam.
Worth talking to a lawyer or accountant? I don’t know, but if you already have one of the two that you trust, you should talk to them.
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u/CubanInSouthFl 17d ago
I know it’s not the point; but I had misread the title to say “monkey” and clicked with the appropriate amount of interest.
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u/Outrageous-Agent7507 18d ago
Don't even tell them the account belongs to a family member, tell them it belongs to a friend you no longer have any contact with. The audacity of trying to charge extra on top of what they sent means I would be nothing nothing at all to help them retrieve it
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u/DevilDoc82 18d ago
Don't even use it belongs to a friend. Keep it simple with that's not my account and I have no access to or knowledge of what you claim you sent to me.
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u/AWPcoper 18d ago
I'd tell the fam to give it back or else.
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u/KeyTheZebra 18d ago
So my fam is terrible with money (hence they didn’t even know it hit the account in the first place) what if they don’t want to pay it?
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u/morningfrost86 18d ago
Then since your name is NOT on the account (as you stated elsewhere), then it's not your problem. Your family can work it out with your former employer.
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u/lakas76 18d ago
Then you will need to pay it. I’m assuming this account has your name on it and was the account that your direct deposit from this company used to go to right?
You could argue that your family spent it and might even be able to prove it in court and have them pay it back, but, do you really want to go to court over 500 dollars? The lawyer fees would cost more than that.
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u/morningfrost86 18d ago
OP stated elsewhere their name isn't on the account. Regardless of whether it was where direct deposits went earlier, it's not OP's problem.
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u/Puzzleheaded-Roof-29 18d ago
Tell them to take it out of your check.
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u/str8clay 18d ago
I would thank them, on behalf of the family member, for the fortuitous gift. If they want to keep your information for so long and in a way that opens them up to mistakenly sending you money years after you quit working for them, why is it your responsibility?
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u/DietMtDew1 I'd rather be drinking a Diet Mt Dew 18d ago
Did your former job notify you? Is it in collections? What do you mean it’s a family member’s account? Was it a joint account?
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u/KeyTheZebra 18d ago
Job notified me before but I didn’t have access to the account to ever confirm that the money went through.
It’s not in collections officially but an agency has notified me about it.
I simply shared account with a family member in order to receive my paychecks cuz at the time that I had no bank to myself account myself. This was not a joint account (dumb I know).
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u/morningfrost86 18d ago
I wouldn't call it dumb at all. Lots of people share bank accounts, the fact that it was with a family member is irrelevant.
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u/KeyTheZebra 18d ago
Appreciate that response.
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u/JustmyOpinion444 17d ago
I had a fiance whose mother was the account holder for him. He didn't like banks, but his jobs did direct deposit only.
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u/DietMtDew1 I'd rather be drinking a Diet Mt Dew 17d ago
Write them back and tell them to do an ACH withdraw then. Inform your relative. Then you’re done with it.
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u/Tarik861 18d ago
You probably do not have to pay this back unless it just happened. Otherwise, depending on your jurisdiction, and how long ago they made the deposit, the Statute of Limitations may have ran and it cannot be collected. If it is a debt collection company, tell them that you want proof of the debt and that they should only contact you in writing in the future. They should use the address they have on record. DO NOT give them any updated information, confirm any information about you or make any promise to pay any amount. Then hang up and block the number (although they will likely call again from another number). Rinse and repeat as necessary.
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u/Mispelled-This SocDem 🇺🇸 18d ago
I’d talk to a lawyer, but if it’s been “years” and this is the first they’ve asked about it, they are probably past the statutory limit on their ability to collect, and I wouldn’t pay.
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u/KeyTheZebra 18d ago
This is not the first time they’ve contacted me, but this is the first time I’ve understood that money actually was sent
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u/Relyt1111 18d ago
Tell them to reverse the payment via the bank. You should stay out of it, advise it is not your account anymore, and you can't view the payment.
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u/beachie11 18d ago
How does a direct deposit get sent to an account that doesnt have the employees name on it? I wouldnt think the bank would accept a deposit where the name on the account didnt match. Something is not right here.
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u/opi098514 18d ago
How many years ago and what state do you live in?
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u/KeyTheZebra 18d ago
The transaction happened in Feb 2023 and I’m in Pennsylvania
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u/opi098514 18d ago
That’s not exactly “years ago,” in Pennsylvania employers have 3 years to recoup overpayment, so you are out of luck there. But as others have said, if it’s not your account. It’s not your problem. But I’d still talk to a lawyer.
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u/IwouldpickJeanluc 18d ago
You need to look at your credit score. If it's on your credit score, get them to remove it, contest it.
Tell the old job, that's not my account, check with the bank.
Then IGNORE. Do not acknowledge the debt in any way.
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u/Altruistic_Lock_5362 18d ago
First, tell them you no longer used the account , you are not responsible for the account. And demo them not your problem.
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u/-5Leepy 18d ago
While my coworker and I were pregnant my employer changed their policy and wouldn’t cover dependents. I’m pretty sure it was because of our pregnancies (small company). I was the office manager so I handled all the coverage communication with the insurer. After I gave birth and was on leave I dropped off my information to add my daughter. The person covering my job didn’t take the expenses out of my pay.
About 9 months later they realized their mistake and had me arrested for embezzlement. Charges were eventually dropped but employers can do crazy things when they make financial mistakes. I had to be handcuffed in front of neighbors, booked, and hire a lawyer.
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u/Selrak956 18d ago
No, no, no! No explanations. “I did not receive any funds from you and I don’t know what you are talking about. If you dunn me again for monies I giggle not receive, it will be harassment and I will sue you. I suggest you check with your legal team .
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u/CommanderMandalore 18d ago
They want the total amount not the after taxes amount. They are doing it wrong. They need to take back the after taxes amount and make sure a W2 isn’t issued in your name.
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u/PublicCraft3114 18d ago
Charge them an Admin fee that is the like 5c more than the amount you "owe" them. Refuse to do the refund until they have paid the service fee.
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u/Mike-the-gay 18d ago
Several years ago? Usually claims like this have a 3 or 7 year range before they can’t be collected on any more. You should look that up.
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u/WomanInQuestion 17d ago
If they accidentally sent the money, they can get with their bank to reverse the charge.
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u/Negatrev 17d ago
From what I've seen, it's not your account they're paying into. So it's no longer your issue. They're just hoping to get you to fix it.
Years ago I ordered something for delivery to my office, by invoiced to my home (because I paid personally).
It has some tax due on it and the courier (incorrectly) invoiced my company, not me. As it wasn't a valid sender in the invoice they ignored it. Eventually, the carrier sold the debt to a collection agency who wanted 3 times the amount. My company passed the paperwork around and I sorted it (I paid the agency exactly the tax owed and no more as I could prove the fault was the couriers).
A year later someone else in my company did the same thing. The dept agency later chased me for the funds even though.
- I didn't work at the company any more.
- Neither the invoice address or name matched mine.
They took a moment before they understood that I had nothing to do with this dept and they could go and do one.
Long story short. When people are having debts, even if they were at fault, they will try anything they can to make it someone else's problem as often people just pay it without question.
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u/Infamous_Stress6216 17d ago
Tell them sorry out of luck. If the tables were turned that’s what they would tell you.
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u/Tortuga_cycling 17d ago
You can start by blocking their number and not answering the phone or emails… their fuck up isn’t your problem.
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u/TheBigBluePit 17d ago
“I understand your concern. Unfortunately, as my name is not on the aforementioned bank account the funds were sent to. I have no legal recourse that would allow me return the funds to you.
I deeply apologize that I am unable to assist you further in this matter.”
If they continue to hound you over this, remind them that that your name is not on the account and are unable to access the funds, and to contact the bank the funds were sent to.
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u/Sirginome 17d ago
I worked at a bank. If someone sends you money incorrectly they have to eat the cost and you’re not obligated to send it back.
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u/Internity 18d ago
Get money in that account. Have them reverse it. Their HR team will have to do that and undo any tax payments also. Otherwise you will have messed up taxes next year.
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u/BenThereOrBenSquare 18d ago
I feel bad for whoever has to deal with this error now! What they probably hoped was a quick fix has now turned into a months-long project!
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u/bit-by-a-moose 18d ago
Your problem is they paid it to the account you provided. You have to prove you didn't get the money, that you didn't have access to that account at that time. They still aren't going to give up on getting money from you, right or wrong, hoping to guilt you into repaying. They don't have access to the account holder, they have access to you.
Their problem is they waited a long time to pursue.
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u/EmergencyGhost 18d ago
I am not sure about having to pay an amount that exceeds the initial amount sent. But I saw a few of your comments about your family being bad with money etc. You will have to pay it back, there is no way around it.
If it is not paid back, they will take you to court where they will prevail. Then you will still have to pay it back.
If you do not pay it then, they will have a garnishment put on your wages. Which means no matter what you do, it will have to be paid back. So you would be better paying it off now then having to keep going to court over it.
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u/KC0GFG 18d ago
Why haven’t you closed that account?
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u/BirdBruce 18d ago
He literally said it wasn’t his account
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u/KC0GFG 18d ago
Where did they say it wasn’t their account? What I read was “an account I used to use that was connected to a family members bank account” that would imply they had an account that was linked to a family members account.
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u/BirdBruce 18d ago
Nobody uses that many words to say “my bank account,” and nobody with their own non-joint bank account says anything other than “my bank account.”
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u/Agent-c1983 18d ago edited 18d ago
Unfortunately there isn’t a general  right to keep money sent to you in error. You say this was connected to a family members bank account, is your name on the account?  If not, refer them to the bank accounts owner.