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A former Louisiana sheriff’s dispatcher, Kellen Spadoni, discovered a bank error that mistakenly credited her account with over $1 million instead of the intended $82.56. Rather than notify the bank, she transferred the funds to another account and used them to purchase a home and an SUV. Spadoni has since been arrested for theft and is facing a lawsuit from Charles Schwab, which claims she ignored multiple attempts to contact her to recover the funds. Legal experts discuss the implications of the bank's error versus Spadoni's actions, emphasizing that while the bank made a mistake, it does not confer a legal right to the incorrect funds.