Imagine checking your bank account and discovering an unexpected $500 deposit from someone you’ve never met. Minutes later, your phone buzzes with a message from a stranger claiming they accidentally sent you the money and desperately need it returned. They seem apologetic, perhaps even panicked, and offer to explain exactly how the mistake happened. Your first instinct might be to send the money back immediately, especially if you believe someone made an honest mistake. However, doing so could leave you hundreds or even thousands of dollars poorer.
The Federal Bureau of Investigation (FBI) has warned about accidental payment scams, where criminals exploit payment apps and people’s willingness to help strangers. The safest response isn’t to keep the money or immediately return it yourself. It’s to contact your bank or payment provider and let them investigate what happened. Here’s what consumers should understand before touching an unexpected deposit.
