24/09/2026
What have you came home with after a night out?!
Most people check their balance after a night out and wince. She checked hers and nearly passed out.
Maddie McGivern went out to the bar with friends on a Saturday night, the kind of ordinary evening that ends with maybe a slightly higher bar tab than usual. Then, at around 2 a.m., for reasons she still couldn't fully explain afterward, she decided to check her bank app.
The balance staring back at her read negative $49,999,999,697.98.
Her friend Gabe Floress caught her reaction on video, McGivern visibly panicking, repeating in disbelief, "I swear to god it says negative $49 billion. What do I do?" A follow-up video showed her still shaken, wondering aloud what her life was even going to look like now.
McGivern called Chase directly, and the conversation that followed didn't exactly reassure her. "Hi, I'm negative 50 billion dollars in debt, and I'm not quite sure why," she told the representative. When asked if she actually had $50 billion, she said no, she had $76.28. The representative, apparently just as stunned as she was, asked to put her on hold, adding she'd never seen anything like it before. To make the whole thing even stranger, McGivern's account also claimed she was scheduled to receive a $50 billion payment in 2099, a detail she later joked about, noting she wasn't sure she'd even be alive to collect it.
A Chase spokesperson later confirmed to Newsweek that the entire episode traced back to a technical glitch affecting a limited number of accounts over that weekend, and that the issue had since been resolved, with affected accounts showing accurate balances again.
McGivern's friend posted the original video to TikTok, and it spread rapidly, eventually racking up more than 8 million views. McGivern shared her own follow-up explaining the ordeal, joking that she wished she could say she'd bought the city of Los Angeles, but that unfortunately wasn't the case.
Banking glitches involving wildly inflated balances aren't entirely unheard of, even if $50 billion stands out as an extreme example. Similar stories have surfaced over the years involving accidental multimillion-dollar deposits at other banks, most resolved once institutions caught the errors during routine processing. What made McGivern's case stand out wasn't just the sheer scale of the number, it was the timing, stumbling onto a nine-figure, comma-filled nightmare balance at 2 a.m. after a completely ordinary night out, with a friend's camera rolling to capture the entire moment of disbelief.
