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Unfortunately, the lady who called you doesn't know what she's talking about. If the bank deposited $50,000 into your account by mistake, then it has the right to take the money back. If you were to withdraw the money, then you can be sued under a legal doctrine called "unjust enrichment." Accordingly, there would be a very good chance that you would be sued, and then you'd have a judgment against you, which would not only mean damage to your credit report, but it could result in garnishments, liens, etc., until the $50,000 is repaid. If I were you, I would not withdraw or use any of that money. $50,000 is a lot of money, and somebody will certainly miss it sooner or later. If you are uncomfortable using that account while this situation is under investigation, then I would ask the bank to open a second account for you to use until this is resolved. They should do so free of charge.
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