Recent comments in /f/tifu

mp_phantom t1_j1nwej5 wrote

Read few of your your own personal posts, understand you have your own battles. Don't drop the bomb on me just because you went through tough times. Not your enemy! You are right to say he abused/ betrayed her trust. What I was trying to say to the previous poster not to be so harsh on the guy....OP recognizes what he did not was not right. That is all I am saying.

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Duality26 t1_j1nvyj3 wrote

This is wrong. Recent CFPB guidance and regulation e guidelines explicitly state that being the victim of a an account takeover is grounds for the transaction to be covered under the definition of an error, if the transaction is POS or ACH.

Liability for wires is different, however, as they are not covered under Reg e.

Anybody with Bank experience should note the criticality of regulatory definitions when trying to provide help.

Edit: OP is in Austraila, Reg E doesn't apply. Oof.

3

Duality26 t1_j1nvjmv wrote

If you are in the states; and, if the money was transferred via ACH (not wire) the funds can be recovered under Regulation E. Make sure you check with your Bank to dispute the transactions and try to get the money back.

Good luck OP.

Edit: you state you are in Austrailia. Bummer. Ignore what I said.

3

Melodic-Spite-5918 OP t1_j1nuzj8 wrote

Is that a genuine question about what goes on inside my head or is it a rhetorical question pointing out how wrong this was? Because if it's the former, I can answer that if you're really curious. If it's the latter, point taken, I have nothing to argue about. And no, this is not a common thing I do to anyone.

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