Woman Wakes Up to $50 Billion in Debt After Night Out

We’ve all had that sinking feeling after a night out — the dreaded moment of checking your bank account and silently praying you didn’t overspend. But for one woman, the post-party anxiety turned into a full-blown sci-fi plot twist when she opened her Chase Bank app and found herself nearly $50 billion in debt.

Yes, billion. With a B.

How Did She End Up With Debt?

The woman, named Maddie McGivern, went viral after her friend posted a TikTok showing her staring at her phone in total disbelief. Her account displayed a –$49,999,999,697.98 balance — a number so big it looks more like national debt than nightlife damage. Even worse? She still technically had an available balance of only $76.28, which somehow made the whole thing even funnier.

In the video, Maddie keeps repeating, “What do I do? I’m $50 billion in debt,” while her friends scream and laugh in the background, clearly convinced they’re witnessing the wildest banking glitch of all time.

A Glitch So Extreme, Even Chase Was Chill About It

Despite the record-breaking negative number, Maddie eventually did what any rational person would do — she called Chase. And the bank’s reaction was oddly casual. A representative reportedly told her this issue had “happened before,” which raises several questions, like:

• To who?
• How often?
• And why is a $50 billion error a “before lunch” problem?

After putting her on hold, Chase assured her the monstrous debt wasn’t real and that the glitch would be fixed.

But the saga didn’t stop there.

A Deposit From the Future?

Screenshots showed a pending deposit scheduled for the far-off year 2099, totaling the exact amount she was “missing.” So technically, Maddie was both massively in debt and due for a $50 billion windfall… in 74 years.

Many commenters joked that she should “stick around” until the deposit hit. Others said she should ask Chase for interest, which, if it accrued for eight decades, might actually make her the richest person alive.

Why the Internet Couldn’t Stop Watching

The TikTok blew up because it’s one of those perfect modern nightmares: the fear of checking your bank account after a night out, multiplied by an absurd number that could financially ruin a dozen small countries.

But it also highlights something very real — banking apps, for all their convenience, can be as glitchy as any other piece of tech. If your weather app can randomly think it’s snowing in July, your bank app can apparently also think you owe $50 billion.

Thankfully, Chase resolved the issue. Maddie is not in historic debt. And her story will go down as one of the most chaotic accidental flexes in TikTok history.

You might also want to read: Funko Sounds the Alarm: $241 M Debt & Possible Bankruptcy