Man stunned after waking up to find nearly $70,000 deposited into his account
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Looking at your bank account after a spenny night out wouldn't be such an issue if someone just whacked a cheeky $68,000 in there.
And it seems that this actually happened as a dude from Australia was casually checking his account and noticed a lovely $68,000 ($105,000 AUD) from an unknown depositor.
At first, he thought he got hacked. Nope.
And then he thought he had been charged. Also nope.
But as we know, the thought of having a 'life changing' amount of money is of course different to actually having it.
Now, what? You could get a house deposit, perhaps buy that dream car, or even spread it among your loved ones.
Unfortunately, this man decided to do the most sensible thing.
"[I] brought myself back to reality that this is too good to be true and I won't be keeping that money," the unnamed man told Yahoo News.
After getting in touch with his bank, HSBC, he shared couple of screenshots of the bizarre exchange with the customer service employee.
"That sounds so worrying," the employee responded.
It turns out that the money was actually credited to the Sydney resident's Visa Platinum account from a cashback charge.
After chatting to the Head of Mortgage Services at HSBC Australia, Tim Mozsny, the man was told that the payment 'dispute' would be resolved 'within the rules of the credit card scheme'.
"It was a blissful and magnificent feeling to suddenly have $100k+ [AUD] in your bank account but overall quite annoying, would not recommend," he explained on Reddit.
"It wasn't too much time spent reversing this, the bank having its own chat channel is quite handy," he also told Yahoo.
"The annoying bit was being unable to use my card and being responsible for someone's error.
"I'm surprised at how easy it is to transfer $100k [AUD]. Good to know it's also easy to reverse the transaction though."
After all that confusion, the man was charged a $9.52 AUD ($6.15) fee by the bank for a cash advance surcharge in relation to the mistaken transfer.
However, the Sydney resident claims he got a $100 AUD ($64.62) transfer payment, he thinks could have been a a goodwill gesture.
"We can't comment on individual account matters due to client confidentiality," a HSBC spokesperson told the publication.
"If customers believe an error has been made in regards to their accounts, we ask them to contact our dedicated customer service team."
UNILAD has contacted HSBC for comment.