I know you're just being funny here, but it's a good opportunity for me to make comment that applies to several nuances of this situation: Although the OP had no part in causing this and in a lot of senses is the victim here, it still remains that a) the extra $100k+ is not their money, and b) they know it. AA and/or Amex can at any point wake up and demand the money back (well, within whatever statute of limitations applies to such a situation, which is probably at least 2 years). It's not really a fair situation, considering the OP has clean hands yet has to deal with it, but it is what it is. At least they'll have a good story to tell for the rest of their lives.