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A former Louisiana sheriff's dispatcher, Kellen Spadoni, discovered over $1.2 million accidentally deposited into her bank account due to a transfer error by Charles Schwab. Instead of notifying the bank, she transferred the money to another account, purchasing a home and an SUV. Spadoni has been arrested for theft and is facing a lawsuit from Schwab for ignoring the bank's attempts to recover the funds. Legal experts discuss the implications of the bank's error, highlighting that while a mistake occurred, it does not entitle Spadoni to keep the money legally.