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how long should i wait before i call this a scam? I paid someone for something on here about 13 hours ago.. NO response..

So, I've had mutliple accounts(around 15 or so) with negative balances more than 100$ but less than 600$, since I used my bank accounts linked to them for instant transfer, but there was no money in the accounts. If deliberate, is it a crime? If not, what can they do to me? If its a crime...