New Orleans Woman Locked Up After Refusing To Return $1.2 Million Accidentally Deposited Into Her Account

Imagine waking up a millionaire when the night before, you were not.  What would you do if you noticed that a massive lump sum of money had been deposited into your account that you were not expecting?  Would you attempt to find out where the source of the funds came from and return them?  Or instead, would you take the money and run, considering the potential consequences?  This happened to a woman by the name of Kelyn Spadoni, and she’s suffering the consequences. 

Thirty-three-year-old Kelyn Spadoni of Harvey, Louisiana, had been working as a Jefferson Parish Sheriff’s Office’s 911 dispatcher when on February 23, she received a deposit of $1.2 million in her brokerage account.  The money was accidentally deposited by Charles Schwab & Co, with whom she had opened an account in January. 

 Charles Schwab and Co. under construction is seen on Sixth Avenue in Midtown in New York, credit: rblfmr /

Instead of doing the right thing and returning the money to Schwab, reports say according to authorities, Spadoni immediately transferred the money to another account.  She then reportedly took some of the money and used it to buy a brand new 2021 Hyundai Genesis SUV, and a house. 

The company attempted to retrieve the funds from Spadoni but she’s accused of leaving all of their messages on read and not answering their calls.  They originally intended to transfer $82.56 into her Fidelity Brokerage Services account, but court records show that they instead sent her $1,205,619.  Schwab and Co swiftly tried to reclaim their money but was unsuccessful.  

After their attempt to retrieve the funds was rejected with a “CASH NOT AVAILABLE” notification, they realized the money had already been transferred by Spadoni.  A spokesperson for the Sherrif’s office, Capt. Jason Rivarde shared of the accounting error, “She has no legal claim to that money.  Even if it was put in there by mistake.” 

According to a lawsuit filed by Schwab in federal court, within the account contract that the company has with Spadoni, there is an agreement that implicitly states that if by chance overpayment would happen, she is responsible to return the funds immediately.  “By her conduct, Spadoni has made it clear she does not intend to return the mistakenly transferred funds to Schwab,” the lawsuit reads. 

Capt. Rivarde further stated, “If someone accidentally puts an extra zero on a utility payment, they would want that money returned or credited to them. This is no different.” 

Fox local news in New Orleans reports that Spadoni has been arrested and is currently being held at the Jefferson Parish Correctional Center.  She has also been fired after being booked with theft valued at over $25,000, bank fraud, and illegal transmission of monetary funds, according to  Her bail is set at $50,000. 

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