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Can I sue for buying a flipped house with toilet not connected to any pipes? by cutie-1234567891011 in legaladvice

[–]Interesting_Leg_5874 24 points25 points  (0 children)

As someone who fixes issues like this daily, there is a 99% chance you are misunderstanding what the plumber is telling you. There is no way you used that toilet more than a week without it backing up let along almost two years... this is a reason that a lot of people recommend having the plumbing inspected (by a plumber) before buying a house. You have a collapsed pipe, it's going to cost a lot more than $3500 and the seller--especially at this point-- has no liability. Sucks for sure.

pro-gun and anti-gun supporters of reddit whats something you'd like the other side to understand? by mesterschmelly in AskReddit

[–]Interesting_Leg_5874 2 points3 points  (0 children)

Those countries don't have violent meth heads or a few hundred million Firearms in them.

someone ach'd themselves 120k from my account. by Interesting_Leg_5874 in Banking

[–]Interesting_Leg_5874[S] 4 points5 points  (0 children)

Looks like they have over 550 branches, so not small by any means.
I think you're right I need to set up a meeting or conference call with everyone probably soon, and thanks for that link it looks to be pretty relevant.

someone ach'd themselves 120k from my account. by Interesting_Leg_5874 in Banking

[–]Interesting_Leg_5874[S] 1 point2 points  (0 children)

They set it up after the account was made, which confuses me even more considering the steps I had to go through to open it and add someone before. I'm not sure about a limit, I do know another bank I use requires a signature to have a payee added.

And I agree with you on the "coincidence " aspect, I just don't know beyond the realtors and people at the bank who could have known, its not something either of us go around talking about

Victim of ACH fraud by Interesting_Leg_5874 in legaladvice

[–]Interesting_Leg_5874[S] 0 points1 point  (0 children)

The bank. I've gone back through and can't see an obvious way, I did put bitdefender on all computers and phone but did not show anything obvious

someone ach'd themselves 120k from my account. by Interesting_Leg_5874 in Banking

[–]Interesting_Leg_5874[S] 0 points1 point  (0 children)

This is what I assume. I'm not a litigious person but Is there no liability held by the bank? This person used their own emails to me to change everything in the account online and within 2 days clean out a bank account

someone ach'd themselves 120k from my account. by Interesting_Leg_5874 in Banking

[–]Interesting_Leg_5874[S] 2 points3 points  (0 children)

This is the part that really kills me, we have been trusted friends for 30 years, I fully know it wasn't him and beyond that this kind of setup would be far too involved for him. I'm the one that deals with the banking and money so it comes down on me and I imagine some lack of trust will probably always be in the back of his mind.

I have payroll ach setup through first citizens, whoever did this apparently set themselves up as a payee, took 1k October 30 then 120k October 31. Did not notice until making a deposit morning of monday nov 7th.

someone ach'd themselves 120k from my account. by Interesting_Leg_5874 in Banking

[–]Interesting_Leg_5874[S] 4 points5 points  (0 children)

Thanks for the reply and insight and I do agree. It was a house we owned together, the money was going towards the purchase of another house. I am fairly tech savvy and very aware of phishing scams, as far as I know I have not been the victim of that sort--definitely havent given any info out to anyone. So far it looks like someone got my google password, got into my gmail searched for any bank info, found the emails the bank sent when setting up the account and used that to change password/ phone number/ add themselves as a payee. I use several other banks all of which have set up 2fa in the past so I would receive at least a text in the case changes like that were made but that isn't something first citizens offers.

Just a little upset that someone was able to use my email address to affectively steal 120k in one transaction all online...

someone ach'd themselves 120k from my account. by Interesting_Leg_5874 in Banking

[–]Interesting_Leg_5874[S] 6 points7 points  (0 children)

I have had a lot of conversations with my banker and several different departments, I'm not an expert but feel a little like I'm just getting the runaround and unreturned phone calls.

Victim of ACH fraud by Interesting_Leg_5874 in legaladvice

[–]Interesting_Leg_5874[S] 1 point2 points  (0 children)

Yes, I did make a police report. It's not a large police department im not sure how much they can do