Bank error in my favor? What do I even do at this point?
The bank I used to work at gave out guaranteed approval credit cards as an employee perk. I thought that was neat so I got one and used it responsibly, I never charging it up more than a few hundred dollars.
At the end of a month, I went in to pay my credit card off and learned that my balance was a CREDIT of $2300. I thought the teller was making a mistake but she printed up my statement balance and lo and behold, someone had paid $2500 on my card.
I of course immediately let them know that someone had paid my card in error and wanted the issue taken care of. The banker told me they would submit a claim, but a week went by in the credit was still there. I went in and learned that that Banker was fired the next day, so I escalated the issue to the branch manager, who said she would look into it.
At this point two more weeks had gone by, and I still had a multi-thousand dollar credit on my credit card , so I called the back office and got handed around until I found out what was going on. Apparently a customer had come into the branch and paid their card off in cash. The teller had (I assume) hand typed the card number into the system and been off by a couple digits. She did not follow policy and make the customer fill out a payment slip, nor did she fill one out herself or have the customer swipe their debit card. At this point enough time had passed that there was no security footage of this person retained and essentially no evidence of who the hell this even was.
The lady told me not to touch it and to just wait until another customer filled out a claim asking what had happened to their $2500 payment. At this point I stopped using that card and waited.
That was 7 years ago. The card has since closed due to dormancy, and now my state has a check in their unclaimed properties division made out to me for $2,300.
Seriously, at this point do I just file an unclaimed property claim and take the money? I reached out to the bank again and because the card went dormant and I don't have any other business with them, they don't even know who the hell I am and they seem to have no record of the claim from 7 years ago.
TLDR: somebody paid thousands of dollars on my credit card by mistake at a branch, leaving me with a significant credit. Everyone involved in fixing it has been completely incompetent and it's been sitting 7 years unresolved, eventually going to unclaimed properties in my name. What do?
EDIT: Okay, okay. I hear you. I'm going to fill out a claim form for the money and probably just invest it. Thanks for the sanity check!