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Puzzle this out for me ST (especially the ST lawyers)

Posted by Inigo (aka Inigo) Jan 16 '14, 13:04

Person A and Person B were married, and had joint accounts. Account A was linked to account B for overdraft protection. When Persons A and B were divorced, Person A took account A while Person B took account B. Neither thought to unlink the overdraft protection.

A while later person A overdrafts, and notices that the money had to come out of Person B's account. Person A unlinks the overdraft protection, and informs Person B of the mistake. Person A pays back Person B for the full sum of what was transferred.

However, Person B demands the bank pay them back for the money that was transferred even after getting compensated by Person A. The bank then logically comes to Person A, and asks for the money. Person A says no, and talks to Person B about what they're doing. Person B insists the bank still owes them.

Is Person B right? Should the bank still pay them back? Is it unethical? Illegal?

Responses:

person b tried to pull a fast one on the bank and is embarrassed about it in front of a and is sticking to the story that the bank still owes a - loyola Jan 16, 13:25 6
- no. knowing person B, she just has no clue how the world actually works. I think it's innocent. - peggy ann mcamanda, 778 Jan 16, 13:33 2
  - Update: She's now claiming she told the bank to unlink the overdraft protection. - Inigo Jan 16, 13:40 1
    - I think she just assumed that the bank would read her mind. No malice. I'm walking home with Jonathan in ten. I'll ask him what he thinks. -- nm - Amanda Jan 16, 13:57
- this - OAE -- Antarctica, Old Explorer Jan 16, 13:28
- and of course, there's a chance the fast one was suggested by person c - Beryllium Jan 16, 13:27
- um reverse the last a and b into different positions lol -- nm - loyola Jan 16, 13:26
[deleted] 6
- Nah. - Inigo Jan 16, 13:22 5
  - A bank is *never* going to take an extra step and cancel something they were not asked to cancel, nor should they. - Spawn Jan 16, 13:24 4
    - this -- nm - Beaker Jan 16, 13:25 3
      - cause then they would get sued for doing what wasn't asked of them -- nm - Beaker Jan 16, 13:25 2
        
        Right. But it's certainly on their shoulders to surface information like this ... -- nm - Beryllium Jan 16, 13:26 1
        
        Yes and no. -- nm - Spawn Jan 16, 13:31
Person B is a little insane. -- nm - Spawn Jan 16, 13:15
I don't see how the bank is obligated to do anything. They were honoring the overdraft agreement. -- nm - mara Jan 16, 13:10 3
- I'm gonna guess that person B's claim is that since there was two account that were joint that became separate at the request of person A and B... - Inigo Jan 16, 13:14 2
  - A. can you have overdraft protection with an account you are not directly linked to, like to a friend? b. banks linking is really spotty, IE:... - zeitgeist Jan 16, 13:20 1
    - to finish the point, the savings account was specifically links to the checking, in fact I was required to have a savings to get the checking - zeitgeist Jan 16, 13:22
don't trust the B with account no#23 -- nm - zeitgeist Jan 16, 13:10
highway robbery -- nm - budice Jan 16, 13:10
I'm confused why person B thinks they're still owed money. - znufrii Jan 16, 13:08 5
- I think it's a "they done me wrong!" claim. If Person B wants to go after the bank for a mistake, then go to court. -- nm - Inigo Jan 16, 13:10 4
  - but where's the injury if B has already been made whole? that's what I'm not seeing. - znufrii Jan 16, 13:15 3
    - [deleted] 2
      - "We'll waive your fees for six months. Just leave us alone! *sobbing*" -- nm - Beryllium Jan 16, 13:18 1
        
        Not good enough. I demand free money for that time period! -- nm - Person B Jan 16, 13:33
person B is crazy -- nm - decline Jan 16, 13:07
if the bank wasn't notified to change that, how could they know? Person B got their money. The End. -- nm - Andie Jan 16, 13:07 1
- This (and the crazy) sound right to me. It seems unethical to ask to get paid twice for one cock-up. -- nm - Beryllium Jan 16, 13:08
Well, technically...the back should pull the money from Person A, give it to Person B and then Person B should return the money Person A gave them as - Jim Jan 16, 13:07 1
- bank...not back -- nm - Jim Jan 16, 13:07

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Puzzle this out for me ST (especially the ST lawyers)

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