Edmunds Members - Cars and Conversations (Archived)

berri

Personally, I think between China, Russia and North Korea they probably have most of our data and are waiting to wreak havoc one day. Throw in places like Nigeria and Pakistan and it is all probably out there. Legally, debit cards are more difficult to resolve than credit cards, but although it may take a bit longer you will likely eventually get reimbursed. I use a cash rewards credit card instead of a debit card, but my kids, and a whole lot of younger people prefer the debit card because it aids in budgeting for them.

28firefighter

Our debit cards sit in a safe at home. Only take them out to get cash periodically. Otherwise, we are a credit-only family where possible both for the rewards points and for the ability to dispute charges.

Also, I would highly encourage everyone here to take advantage of 2-factor authentication for every single account you have. It isn't a guarantee, but it is another step that someone has to take.

suydam

In my case, I had no idea the debit card was linked to a savings account. I think I must have accidentally checked the wrong box once upon a time. I fixed it once this issue came up, of course. Normally, if your debit or credit card gets used fraudulently you aren’t out any $ and it’s refunded to your account quickly. It’s only the savings account problems that take longer. We do use debit cards a lot, especially in Europe because that’s the easiest way to get cash. Problems are rare and easily fixed ifmtheyndo happen.

stickguy

I remember that from when helped my daughter set up her bank account (checking with savings) and they offer automatic overdraft coverage from savings. Wonder if that is what happened to you? I can see that being a bad idea. Better to watch your money and not overdraw in the first place, to avoid this kind of theft

snakeweasel

driver100 said:

abacomike said:

driver100 said:

We have black appliances at home...each appliance is a different brand. The house was built about 12 years ago, the builder is an excellent one, but, he gets deals on appliances and buys whatever he can get. No one would know they are different by the looks and I don't care. But, a repairman told us some people want all their appliances to be the same brand.......and some will toss out good appliances so they can buy all new ones-of the same brand.

If you look closely, blacks, stainless and white can be slightly different, depending on the brand.
btw...we have different brands in Florida too, all white, but the washer and dryer are both white and are matching Maytags.

The Maytag repairman is much busier nowadays - the brand is not as good as it used to be - but neither are Whirlpool, Amana or GE.  

Guess that is why they don't have those ads anymore......with the lonely Maytag repairman.

Here is what really happened to the Maytag repairman.

*********************************************************************************************

Funny in the right place at the right time, Snake, but please, not here right now. I'm going to have to remove the video---best, Your Moderator for the Evening.

dino001

I don't have savings account in the same bank as checking. I use BoA for checking and brokerage, but their interest rates on savings products are insulting, so I keep the money in Amex bank. No card for that one, only online transfers to my checking account. The thieves would really have to intercept that account entirely to clean it up. Still possible, they can just break in, hack the password, or something like that.

driver100

snakeweasel said:

driver100 said:

abacomike said:

driver100 said:

We have black appliances at home...each appliance is a different brand. The house was built about 12 years ago, the builder is an excellent one, but, he gets deals on appliances and buys whatever he can get. No one would know they are different by the looks and I don't care. But, a repairman told us some people want all their appliances to be the same brand.......and some will toss out good appliances so they can buy all new ones-of the same brand.

If you look closely, blacks, stainless and white can be slightly different, depending on the brand.
btw...we have different brands in Florida too, all white, but the washer and dryer are both white and are matching Maytags.

The Maytag repairman is much busier nowadays - the brand is not as good as it used to be - but neither are Whirlpool, Amana or GE.  

Guess that is why they don't have those ads anymore......with the lonely Maytag repairman.

Here is what really happened to the Maytag repairman.

Fuuny, but very PI these days. Maytag guy gets abuse and assault charges laid on him!

imidazol97

I75 between Dayton and Cincy: more than 150 words warning...

State Patrol car in lane 1 of 4 going 68 on 65 mph interstate about 1/3 mile ahead. Odd. I was in 3 of 4 going 73 and recognized cruiser so I backed down slowly.

A white Hyundai and another car or two were coming along in 4 of 4 at nearly 80. White Hyundai finally realized the cruiser was there and slowed down to maybe 72, then crept past at several over limit. Cruiser moved from lane 1 to lane 2 as a hint to Hyundai to slow down without stopping them.

AFter Hyundai was hundreds of feet ahead of cruiser, they started speeding up. Last I saw white Hyundai was far ahead and moving out. Then cruiser accelerated hard took off. A few miles up he had stopped the white Hyundai on the exit ramp. (Union Center exit).

I suspect officer clocked Hyundai when the white car moved under shadow of overpasses to operate a VASCAR type pacing. Since it rainy and there was a good mist, couldn't have been radar and I don't know if there's a moving laser that can reach up to 3/4 mile ahead.

I consider the white Hyundai driver dumb. He flaunted his speeding even after the officer moved over closer to the Hyundai as he crept past as a hint.

cdnpinhead

Situation awareness I think it's called.

oldfarmer50

bwia said:

I am a victim of bank fraud and I feel so violated. :@

Needless to say, I am vexed and extremely unhappy. Pissed off. This morning when I checked my Citizens Bank savings account $25,500 of my money was gone missing. I called my bank and they said the money was credited to Coinbase.com account drawn on Chase Manhattan Bank. But they also brought to my attention three smaller transactions with Valley Credit Union. A $0.75 debit and two credits of $0.42 and $0.33 respectively. They said the fraudster used these small amounts to test whether this was a valid and active account.

In the meantime, they will create a new savings account for me with a new user name, password and security questions. That will take about two days. But as to the returning of my money, that might take a while as they must do their own investigation and refer the case to the FBI, not to mention the endless paperwork and affidavits I will have to sign.

Sorry to hear that. Do you have any idea how they got access to your account? Fear of that kind of thing is why I use cash whenever possible.

oldfarmer50

snakeweasel said:

driver100 said:

abacomike said:

driver100 said:

We have black appliances at home...each appliance is a different brand. The house was built about 12 years ago, the builder is an excellent one, but, he gets deals on appliances and buys whatever he can get. No one would know they are different by the looks and I don't care. But, a repairman told us some people want all their appliances to be the same brand.......and some will toss out good appliances so they can buy all new ones-of the same brand.

If you look closely, blacks, stainless and white can be slightly different, depending on the brand.
btw...we have different brands in Florida too, all white, but the washer and dryer are both white and are matching Maytags.

The Maytag repairman is much busier nowadays - the brand is not as good as it used to be - but neither are Whirlpool, Amana or GE.  

Guess that is why they don't have those ads anymore......with the lonely Maytag repairman.

Here is what really happened to the Maytag repairman.


That is sick.
***********************************************************

We think so, too, so I'm going to delete the video...sorry guys. We try to maintain a "G" rating at all times. Your Moderator

oldfarmer50

I was just watching a video about Ferrari having an mileage tampering fraud and as part of the story it was mentioned that some GM cars report your actual mileage to the company. That, in theory, would make mileage fraud impossible.

Also this week I drove two cars (a Nissan and a Ford) that both displayed a notice that the car was reporting “certain data” to the manufacturer. If you turned it off the car still warned you that “some” data was still being shared with the manufacturer.

While this seemed creepy at first, I thought it might be a great way to verify mileage on a used car if the company would share the information.

cdnpinhead

1984 is apparently 35 years late.

roadburner

suydam said:

I’ve got 3 different brands in my kitchen, all stainless, and they all go together well. The range and over the stove microwave are both LG ( I did think those should be the same as they function as one unit visually), the fridge is Samsung, and the dishwasher is Bosch.

I have an Amana fridge, a Miele double oven, a Bosch cooktop, a GE Profile microwave over the cooktop and a KitchenAid dishwasher. Other stainless small appliances include a Breville toaster and tea maker and a Techno Vorm coffee maker.

roadburner

cdnpinhead said:

Situation awareness I think it's called.

More than once I've come up on marked and unmarked units and backed off, only to watch oblivious morons blow past and get nabbed. Evolution in action....

abacomike

bwia said:

I am a victim of bank fraud and I feel so violated. :@ Needless to say, I am vexed and extremely unhappy. Pissed off. This morning when I checked my Citizens Bank savings account $25,500 of my money was gone missing. I called my bank and they said the money was credited to Coinbase.com account drawn on Chase Manhattan Bank. But they also brought to my attention three smaller transactions with Valley Credit Union. A $0.75 debit and two credits of $0.42 and $0.33 respectively. They said the fraudster used these small amounts to test whether this was a valid and active account. In the meantime, they will create a new savings account for me with a new user name, password and security questions. That will take about two days. But as to the returning of my money, that might take a while as they must do their own investigation and refer the case to the FBI, not to mention the endless paperwork and affidavits I will have to sign.

How awful, bwia!  I can truly sympathize with you - because of the ability to transfer and withdraw funds from bank accounts electronically, fraud had become rampant all over the world, but especially in the U.S.

My bank called me a few months ago inquiring about a $5,000 check that was cashed in California to verify that I wrote the check.  It was a gift to my son so it was legitimate.  My bank has a software system that alerts the branch where I have the account if a withdrawal is made to my money market or checking accounts in excess of $2500.  If so, they immediately contact me to verify that I made the withdrawal or wrote the check before releasing the funds.  Same for electronic withdrawals.  If it is a recurring withdrawal such as my electric bill, my insurance payments or my homeowners association monthly assessment, the bank allows the withdrawal.  If it is not a “recurring” withdrawal (such as my AMEX or Chase or Discover Credit Card companies) and it does not exceed $2500, they release the funds.  If higher than $2500, they call me before releasing the funds.

Banks are responsible for unauthorized withdrawals from accounts.  I bank with a local Florida bank, not with large banks that have branches all over the country which is by choice.  My bank has 45 branches in the tri-county region here in south Florida.  They are excellent at preventing fraud due to their anti-fraud security measures.  You might want to investigate using a smaller bank that has a high rating.  My bank is rated among the 10 top banking institutions in the country for capitalization.

One final thing, bwia - I check my bank accounts at least one a day on my mobile app, sometimes twice.  Same for all my credit card account charges and payments.  I am kind of phobic when it comes to credit cards and bank accounts.  I’ve been the victim of identity theft twice in my lifetime and that has made me super cautious about electronic charges as well as unauthorized withdrawals from my accounts.

What you are going through is scary and can turn your life, in the short term, upside down.  I pray this is all resolved for you quickly. 

pensfan83

@bwia within 10 days you should get a provisional credit for the money lost while the bank conducts their investigation.

driver100

A friend a few houses from ours has a 2012 Lexus SUV. He was away for about a month, when he got back he started it up and it ran really rough. He went to the store and when he got back he decided to look under the hood. He found 3 mice homes, and the mice had chewed off the insulation in the wiring. They ate one coating off of every unit of wiring. The cost to repair the wiring will be $5400. Some may be covered by insurance. The Lexus dealer has seen this happen a few times. Apparently Toyota used something in making the wiring that the mice like to eat....they don't eat the wiring in other cars.

I'll have to rethink considering a Lexus or Toyota product.

driver100

The guy who designed the Edsel has this story....has anyone heard this theory before?
The story is that Robert McNamara who was President of Ford at the time (and later Secretary of Defence) wanted the Edsel to fail as the Edsel because was the brainchild of someone who wanted McNamara's job. The story is that McNamara arranged to have the Edsel produced on inferior assembly lines which led to the many mechanical problems it later experience.
It sounds plausible to me!

abacomike

driver100 said:

The guy who designed the Edsel has this story....has anyone heard this theory before? The story is that Robert McNamara who was President of Ford at the time (and later Secretary of Defence) wanted the Edsel to fail as the Edsel because was the brainchild of someone who wanted McNamara's job. The story is that McNamara arranged to have the Edsel produced on inferior assembly lines which led to the many mechanical problems it later experience. It sounds plausible to me!

Where you find this stuff astounds me!  In the 50+ years since the introduction of the Edsel, I’ve Never heard that story.  Besides, “inferior” assembly lines are difficult, if not impossible to create or find in a company like Ford.

But you do find these bits of trivia that spark our imaginations.  Keep up the investigations!

suydam

Mice eating wires can happen in any car that sits for a long time. We had to replace some chewed wiring on an older Buick that had been driven very little until my son bought it.

suydam

Re banks: I am surprised someone could withdraw that amount of money without your being notified. They are pretty good about that nowadays. Most banks also have limits on how much can be withdrawn from an ATM.

imidazol97

driver100 said:

A friend a few houses from ours has a 2012 Lexus SUV. He was away for about a month, when he got back he started it up and it ran really rough. He went to the store and when he got back he decided to look under the hood. He found 3 mice homes, and the mice had chewed off the insulation in the wiring. They ate one coating off of every unit of wiring. The cost to repair the wiring will be $5400. Some may be covered by insurance. The Lexus dealer has seen this happen a few times. Apparently Toyota used something in making the wiring that the mice like to eat....they don't eat the wiring in other cars.

I'll have to rethink considering a Lexus or Toyota product.

Sounds like a reliability problem. Using the soy based insulation has been a known problem. I surprised the CR evaluations haven't noted that... hmmmm.

Notice the deflection by the toyota company in the Freep\Press article:
"Toyota released a statement when contacted by the Free Press.

“Rodent damage to vehicle wiring occurs across the industry, and the issue is not brand- or model-specific. We are currently not aware of any scientific evidence that shows rodents are attracted to automotive wiring because of alleged soy-based content," the company said."

Here's more. But this soy wire problem has been mentioned for quite a while for certain reliable brands.

https://www.freep.com/story/news/local/michigan/oakland/2018/05/07/rats-rodents-cars-vehicles/578398002/
"Brian Kabateck is taking on Toyota Motor Sales, U.S.A., over the issue.

The Los Angeles attorney is involved in a class-action lawsuit filed on behalf of Albert Heber of Indiana, whose 2012 Tundra had its soy-based insulated wiring chewed through by rodents three times, the first in 2013. Total damages were about $1,500 — damages that Kabateck said Toyota wouldn't cover under warranty.

"Our contention, why soy is certainly — it's laudable — they're trying to be more green, at the same time, it's becoming a potential food product for rats," Kabateck told the Free Press, adding that he believes rats find it "delicious."

Kabateck said once it started its investigation, it learned that Toyota and some other vehicle manufacturers started using a soy-based product as an insulation for wiring under the hood about a decade ago, probably in an effort to make vehicles more green and to get rid of older-style, petroleum-based wiring insulation.

He said he has heard that in the past, rats periodically chewed through wires in vehicles for nesting materials and to sharpen their teeth. But, he said, "we think the addition of soy in the insulation has taken the episode of rats chewing through the wires through the roof."

Kabateck said while Toyota claims this is not more likely to happen with soy-based than petroleum-based products "we continue to have a hard time believing that" based on the number of people calling the firm and its own investigation, including talking to service employees and others at dealerships.

He didn't have a specific number of people impacted, but said it's possibly "tens of thousands affected." The lawsuit is filed on behalf of Heber and owners and lessees of 2012 to 2016 model year Toyota vehicles. A similar lawsuit was filed against Honda in 2016 and dismissed later that year by the plaintiffs, according to federal court records in California.

Kabateck said he's not looking for billions of dollars from the automaker. He wants the people who have paid out-of-pocket to be reimbursed and a change in the policy and plan so that the warranty would cover this type of damage.

Albert Heber of Indiana owned a 2012 Toyota Tundra
Albert Heber of Indiana owned a 2012 Toyota Tundra and had its soy-based insulated wiring chewed through by rodents three times, the first in 2013. Total damages were about $1,500 -- damages that attorney Brian Kabateck said Toyota wouldn't cover under warranty. (Photo: Albert Heber)
Often, this type of damage isn't covered under warranty. Some insurance companies may cover it if owners pay the deductible, while others won't, and folks often are left paying out-of-pocket.

Kabateck said the damaged materials are replaced with the same soy-based products the rodents chewed through. He said there is an additive that could be added to the soy that would make it less attractive to rats.

driver100

abacomike said:

driver100 said:

The guy who designed the Edsel has this story....has anyone heard this theory before?
The story is that Robert McNamara who was President of Ford at the time (and later Secretary of Defence) wanted the Edsel to fail as the Edsel because was the brainchild of someone who wanted McNamara's job. The story is that McNamara arranged to have the Edsel produced on inferior assembly lines which led to the many mechanical problems it later experience.
It sounds plausible to me!

Where you find this stuff astounds me!  In the 50+ years since the introduction of the Edsel, I’ve Never heard that story.  Besides, “inferior” assembly lines are difficult, if not impossible to create or find in a company like Ford.

But you do find these bits of trivia that spark our imaginations.  Keep up the investigations!

I heard the story by accident........and I am not saying it is true or not, but, it is possible. This was from a current local newspaper from back home.
Was the Edsel sabotaged?

driver100

suydam said:

Mice eating wires can happen in any car that sits for a long time. We had to replace some chewed wiring on an older Buick that had been driven very little until my son bought it.

In an effort to be more friendly to the environment, companies are making more and more automotive components out of renewable materials, such as soy or even cannabis. Unfortunately, a side effect of building cars out of edible materials is that rodents are eating them, reports the Detroit Free Press.

The use of soy in car parts is nothing new. Ford has been making seats out of a soybean-based foam for the past ten years. Ford also uses soy rather than petroleum for wire insulation. However, some owners have been running into unforeseen problems when rodents find their way into cars and eat the edible insulation.

ARTICLE: RODENTS ARE FEASTING ON SOY BASED WIRING

graphicguy

bwia said:

I am a victim of bank fraud and I feel so violated. :@

Needless to say, I am vexed and extremely unhappy. Pissed off. This morning when I checked my Citizens Bank savings account $25,500 of my money was gone missing. I called my bank and they said the money was credited to Coinbase.com account drawn on Chase Manhattan Bank. But they also brought to my attention three smaller transactions with Valley Credit Union. A $0.75 debit and two credits of $0.42 and $0.33 respectively. They said the fraudster used these small amounts to test whether this was a valid and active account.

In the meantime, they will create a new savings account for me with a new user name, password and security questions. That will take about two days. But as to the returning of my money, that might take a while as they must do their own investigation and refer the case to the FBI, not to mention the endless paperwork and affidavits I will have to sign.

Well...that’s terrible. Moreover, I think the bank’s response is less than acceptable, too. The entire reason we use a bank for our money is it’s supposed to be a safe haven for it. If that’s not the case, I would stuff it under my mattress.

A $25,000 withdrawal and not even a phone call to you asking if it was legit? I know my bank calls me every time I buy a car and asks if the check I wrote was legit. Sometimes I tell them in advance what I’m doing (like when I’m transferring funds from an account to my checking).

Either way, to keep you from your money, when their safety nets failed....well, that’s a crime in and of itself. They should immediately put YOUR MONEY back in YOUR ACCOUNT, and then do their investigation.

I don’t blame you for being angry...not in the least!

bwia

graphicguy said:

bwia said:

I am a victim of bank fraud and I feel so violated. :@

Needless to say, I am vexed and extremely unhappy. Pissed off. This morning when I checked my Citizens Bank savings account $25,500 of my money was gone missing. I called my bank and they said the money was credited to Coinbase.com account drawn on Chase Manhattan Bank. But they also brought to my attention three smaller transactions with Valley Credit Union. A $0.75 debit and two credits of $0.42 and $0.33 respectively. They said the fraudster used these small amounts to test whether this was a valid and active account.

In the meantime, they will create a new savings account for me with a new user name, password and security questions. That will take about two days. But as to the returning of my money, that might take a while as they must do their own investigation and refer the case to the FBI, not to mention the endless paperwork and affidavits I will have to sign.

Well...that’s terrible. Moreover, I think the bank’s response is less than acceptable, too. The entire reason we use a bank for our money is it’s supposed to be a safe haven for it. If that’s not the case, I would stuff it under my mattress.

A $25,000 withdrawal and not even a phone call to you asking if it was legit? I know my bank calls me every time I buy a car and asks if the check I wrote was legit. Sometimes I tell them in advance what I’m doing (like when I’m transferring funds from an account to my checking).

Either way, to keep you from your money, when their safety nets failed....well, that’s a crime in and of itself. They should immediately put YOUR MONEY back in YOUR ACCOUNT, and then do their investigation.

I don’t blame you for being angry...not in the least!

Well, Citizens Bank has to be incredibly careless or their controls are porously vulnerable. Even after yesterday's fiasco, and my changing my user name, password and security questions, today I noticed two small ACH deposits (see below) to my savings account from a T-Mobile money transfer? How can that be, when the account is supposed to be frozen?

2/07/19
ACH Deposit
020719t-mobile Money
$0.13

02/07/19
ACH Deposit
020719t-mobile Money
$0.04

Thanks guys for support.

abacomike

driver100 said:

Mice eating wires can happen in any car that sits for a long time. We had to replace some chewed wiring on an older Buick that had been driven very little until my son bought it.

In an effort to be more friendly to the environment, companies are making more and more automotive components out of renewable materials, such as soy or even cannabis. Unfortunately, a side effect of building cars out of edible materials is that rodents are eating them, reports the Detroit Free Press. The use of soy in car parts is nothing new. Ford has been making seats out of a soybean-based foam for the past ten years. Ford also uses soy rather than petroleum for wire insulation. However, some owners have been running into unforeseen problems when rodents find their way into cars and eat the edible insulation. ARTICLE: RODENTS ARE FEASTING ON SOY BASED WIRING

Remember I posted the true story about Florida license plates in the 60’s and 70’s being made out of soy bean byproducts?  The cows and other mammals were “gnawing” and “eating” them right off the vehicles.  So they went back to metal plates!  It’s the old story about consequences of decisions - sometimes the results or consequences of decisions are not adequately assessed or considered.  Florida learned its lesson!

abacomike

bwia said:

I am a victim of bank fraud and I feel so violated. :@ Needless to say, I am vexed and extremely unhappy. Pissed off. This morning when I checked my Citizens Bank savings account $25,500 of my money was gone missing. I called my bank and they said the money was credited to Coinbase.com account drawn on Chase Manhattan Bank. But they also brought to my attention three smaller transactions with Valley Credit Union. A $0.75 debit and two credits of $0.42 and $0.33 respectively. They said the fraudster used these small amounts to test whether this was a valid and active account. In the meantime, they will create a new savings account for me with a new user name, password and security questions. That will take about two days. But as to the returning of my money, that might take a while as they must do their own investigation and refer the case to the FBI, not to mention the endless paperwork and affidavits I will have to sign.

Well...that’s terrible. Moreover, I think the bank’s response is less than acceptable, too. The entire reason we use a bank for our money is it’s supposed to be a safe haven for it. If that’s not the case, I would stuff it under my mattress. A $25,000 withdrawal and not even a phone call to you asking if it was legit? I know my bank calls me every time I buy a car and asks if the check I wrote was legit. Sometimes I tell them in advance what I’m doing (like when I’m transferring funds from an account to my checking). Either way, to keep you from your money, when their safety nets failed....well, that’s a crime in and of itself. They should immediately put YOUR MONEY back in YOUR ACCOUNT, and then do their investigation. I don’t blame you for being angry...not in the least!

Well, Citizens Bank has to be incredibly careless or their controls are porously vulnerable. Even after yesterday's fiasco, and my changing my user name, password and security questions, today I noticed two small ACH deposits (see below) to my savings account from a T-Mobile money transfer? How can that be, when the account is supposed to be frozen? 2/07/19 ACH Deposit 020719t-mobile Money $0.13 02/07/19 ACH Deposit 020719t-mobile Money $0.04 Thanks guys for support.

Those are “trial” debits and credits that creditors use to make sure the account is “real” or “open” so they can charge the bank account for amounts you authorized such as phone bills, credit card payments, electric bills, etc.  Since your account number was changed due to the fraud, t-mobile must again set up their billing for automatic payments you authorized.  It happened to me when I buy music from iTunes or change credit cards for payment authorizations.

berri

The bank should change your account number like credit cards do in this type of situation. It is a bit of a hassle then to change any autopays, etc., but closes out the crook from future use.

pensfan83

Your account has clearly been compromised, they already have the routing # and account # so them changing your username and PW won't do much. They should be closing the account and opening a new one.

graphicguy

bwia said:

graphicguy said:

bwia said:

I am a victim of bank fraud and I feel so violated. :@

Needless to say, I am vexed and extremely unhappy. Pissed off. This morning when I checked my Citizens Bank savings account $25,500 of my money was gone missing. I called my bank and they said the money was credited to Coinbase.com account drawn on Chase Manhattan Bank. But they also brought to my attention three smaller transactions with Valley Credit Union. A $0.75 debit and two credits of $0.42 and $0.33 respectively. They said the fraudster used these small amounts to test whether this was a valid and active account.

In the meantime, they will create a new savings account for me with a new user name, password and security questions. That will take about two days. But as to the returning of my money, that might take a while as they must do their own investigation and refer the case to the FBI, not to mention the endless paperwork and affidavits I will have to sign.

Well...that’s terrible. Moreover, I think the bank’s response is less than acceptable, too. The entire reason we use a bank for our money is it’s supposed to be a safe haven for it. If that’s not the case, I would stuff it under my mattress.

A $25,000 withdrawal and not even a phone call to you asking if it was legit? I know my bank calls me every time I buy a car and asks if the check I wrote was legit. Sometimes I tell them in advance what I’m doing (like when I’m transferring funds from an account to my checking).

Either way, to keep you from your money, when their safety nets failed....well, that’s a crime in and of itself. They should immediately put YOUR MONEY back in YOUR ACCOUNT, and then do their investigation.

I don’t blame you for being angry...not in the least!

Well, Citizens Bank has to be incredibly careless or their controls are porously vulnerable. Even after yesterday's fiasco, and my changing my user name, password and security questions, today I noticed two small ACH deposits (see below) to my savings account from a T-Mobile money transfer? How can that be, when the account is supposed to be frozen?

2/07/19
ACH Deposit
020719t-mobile Money
$0.13

02/07/19
ACH Deposit
020719t-mobile Money
$0.04

Thanks guys for support.

Geez-LooeeZ....how incompetent can this bank possibly be. I would immediately demand all of my money back in a cashier’s check, close all accounts at this bank, then take my money and set up accounts at a different bank.

This is inexcusable.

jmonroe1

bwia said:

graphicguy said:

bwia said:

I am a victim of bank fraud and I feel so violated. :@

Needless to say, I am vexed and extremely unhappy. Pissed off. This morning when I checked my Citizens Bank savings account $25,500 of my money was gone missing. I called my bank and they said the money was credited to Coinbase.com account drawn on Chase Manhattan Bank. But they also brought to my attention three smaller transactions with Valley Credit Union. A $0.75 debit and two credits of $0.42 and $0.33 respectively. They said the fraudster used these small amounts to test whether this was a valid and active account.

In the meantime, they will create a new savings account for me with a new user name, password and security questions. That will take about two days. But as to the returning of my money, that might take a while as they must do their own investigation and refer the case to the FBI, not to mention the endless paperwork and affidavits I will have to sign.

Well...that’s terrible. Moreover, I think the bank’s response is less than acceptable, too. The entire reason we use a bank for our money is it’s supposed to be a safe haven for it. If that’s not the case, I would stuff it under my mattress.

A $25,000 withdrawal and not even a phone call to you asking if it was legit? I know my bank calls me every time I buy a car and asks if the check I wrote was legit. Sometimes I tell them in advance what I’m doing (like when I’m transferring funds from an account to my checking).

Either way, to keep you from your money, when their safety nets failed....well, that’s a crime in and of itself. They should immediately put YOUR MONEY back in YOUR ACCOUNT, and then do their investigation.

I don’t blame you for being angry...not in the least!

Well, Citizens Bank has to be incredibly careless or their controls are porously vulnerable. Even after yesterday's fiasco, and my changing my user name, password and security questions, today I noticed two small ACH deposits (see below) to my savings account from a T-Mobile money transfer? How can that be, when the account is supposed to be frozen?

2/07/19
ACH Deposit
020719t-mobile Money
$0.13

02/07/19
ACH Deposit
020719t-mobile Money
$0.04

Thanks guys for support.

You are being kind saying your bank in "incredibly careless"...I would say they are incredibly incompetent. If I were you I'd contact my states attorney general about this. Something has to wake these people up. Also, I would find a new bank.

jmonroe

imidazol97

With this talk about accounts being compromised, I immediately went to my local bank accounts to see if there's a notification tool. I've turned that on. We'll see how that works our with their sending a text message every time a transaction occurs...

I had already done that for credit cards. As much as I hate getting the scam phone calls and occasional scam
texts to my cell phone, I now get an email for any credit card transaction.

jmonroe1

roadburner said:

suydam said:

I’ve got 3 different brands in my kitchen, all stainless, and they all go together well. The range and over the stove microwave are both LG ( I did think those should be the same as they function as one unit visually), the fridge is Samsung, and the dishwasher is Bosch.

I have an Amana fridge, a Miele double oven, a Bosch cooktop, a GE Profile microwave over the cooktop and a KitchenAid dishwasher. Other stainless small appliances include a Breville toaster and tea maker and a Techno Vorm coffee maker.

I think we should head on over to @roadburner's and check out his smorgasbord of kitchen appliances. And don't forget to bring along a few tools so we can install a door leading into his kitchen, just in case he doesn't already have one.

jmonroe

henryn

driver100 said:

A friend a few houses from ours has a 2012 Lexus SUV. He was away for about a month, when he got back he started it up and it ran really rough. He went to the store and when he got back he decided to look under the hood. He found 3 mice homes, and the mice had chewed off the insulation in the wiring. They ate one coating off of every unit of wiring. The cost to repair the wiring will be $5400. Some may be covered by insurance. The Lexus dealer has seen this happen a few times. Apparently Toyota used something in making the wiring that the mice like to eat....they don't eat the wiring in other cars.

I'll have to rethink considering a Lexus or Toyota product.

I remember reading somewhere, probably here in these forums, that the wiring harness was the most expensive part of the average new car. Exceeding the engine and the transmission. Modern cars do indeed have a lot of electronics, which require a lot of wiring.

I had a similar incident back in 2013 on a new F150. I think that one was due to a cat sheltering from the cold and clawing up the wiring harness, not sure though. The dealer wanted $1,800 to replace the wiring harness, I turned it in to my insurance and only paid the $100 deductible. What I found most interesting, once the insurance company got involved, the cost dropped from $1,800 to $1,100.

Sheesh.

henryn

https://www.pcmag.com/article2/0,2817,2469560,00.asp

A good article on debit cards and ATM security.

pensfan83

Speaking of banks looks like BB&T and SunTrust are merging.

https://www.cnbc.com/2019/02/07/bbt-and-suntrust-to-combine-in-an-all-stock-merger-of-66-billion.html

Mr_Shiftright

Sounds like the real culprit (the designer) is trying to pass the buck for the failure.

ab348

driver100 said:

I heard the story by accident........and I am not saying it is true or not, but, it is possible. This was from a current local newspaper from back home.
Was the Edsel sabotaged?

Well, I dunno.

Edsels were made in 3 plants from what I can tell - Somerville, MA, Louisville, KY and Oakville, Ontario. All of those made other lines. While some say that Somerville was an Edsel-only plant, there are pics of the line in action that show both Ford cars and Edsel cars coming off the same line, so that's not so. Louisville made other lines as well and Oakville made almost everything Ford sold in Canada back then, although for the Edsel, they only produced the Ford-based models in '58, not the bigger Mercury-based ones.

Somerville was closed in 1958 as it was an old plant. That closure would have only affected first-year production. There were a lot of other problems with the Edsel than just where it was made.

Mr_Shiftright

Such as how it looked, the pricing and the marketing.

stickguy

And the economy.

Mr_Shiftright

Whenever I hear a conspiracy theory, first question I asked is: "Who benefits"? Based on that, theorizing that McNamara engineered a colossal financial disaster of epic proportions that almost brought Ford to its knees---makes no sense whatsoever.

driver100

Mr_Shiftright said:

Whenever I hear a conspiracy theory, first question I asked is: "Who benefits"? Based on that, theorizing that McNamara engineered a colossal financial disaster of epic proportions that almost brought Ford to its knees---makes no sense whatsoever.

A few things. Ab, I think what the guy was saying was that Oakville made better cars than Somerville or Louisiana....Oakville was always a leader in having fewer errors. If your car came from Oakville, less would go wrong.

I think the story about McNamara is sour grapes. The guy who started the story was the designer who came from Canada. I think he is shifting the blame for the car not selling to McNamara rather than taking responsibility for a very flawed design.

driver100

bwia said:

graphicguy said:

bwia said:

I am a victim of bank fraud and I feel so violated. :@

Needless to say, I am vexed and extremely unhappy. Pissed off. This morning when I checked my Citizens Bank savings account $25,500 of my money was gone missing. I called my bank and they said the money was credited to Coinbase.com account drawn on Chase Manhattan Bank. But they also brought to my attention three smaller transactions with Valley Credit Union. A $0.75 debit and two credits of $0.42 and $0.33 respectively. They said the fraudster used these small amounts to test whether this was a valid and active account.

In the meantime, they will create a new savings account for me with a new user name, password and security questions. That will take about two days. But as to the returning of my money, that might take a while as they must do their own investigation and refer the case to the FBI, not to mention the endless paperwork and affidavits I will have to sign.

Well...that’s terrible. Moreover, I think the bank’s response is less than acceptable, too. The entire reason we use a bank for our money is it’s supposed to be a safe haven for it. If that’s not the case, I would stuff it under my mattress.

A $25,000 withdrawal and not even a phone call to you asking if it was legit? I know my bank calls me every time I buy a car and asks if the check I wrote was legit. Sometimes I tell them in advance what I’m doing (like when I’m transferring funds from an account to my checking).

Either way, to keep you from your money, when their safety nets failed....well, that’s a crime in and of itself. They should immediately put YOUR MONEY back in YOUR ACCOUNT, and then do their investigation.

I don’t blame you for being angry...not in the least!

, today I noticed two small ACH deposits (see below) to my savings account from a T-Mobile money transfer? How can that be, when the account is supposed to be frozen?

2/07/19
ACH Deposit
020719t-mobile Money
$0.13

02/07/19
ACH Deposit
020719t-mobile Money
$0.04

Thanks guys for support.

Time to transfer to a new bank.....or maybe time to do it is once you have your refund.

driver100

abacomike said:

driver100 said:

suydam said:

Mice eating wires can happen in any car that sits for a long time. We had to replace some chewed wiring on an older Buick that had been driven very little until my son bought it.

In an effort to be more friendly to the environment, companies are making more and more automotive components out of renewable materials, such as soy or even cannabis. Unfortunately, a side effect of building cars out of edible materials is that rodents are eating them, reports the Detroit Free Press.

The use of soy in car parts is nothing new. Ford has been making seats out of a soybean-based foam for the past ten years. Ford also uses soy rather than petroleum for wire insulation. However, some owners have been running into unforeseen problems when rodents find their way into cars and eat the edible insulation.

ARTICLE: RODENTS ARE FEASTING ON SOY BASED WIRING

Remember I posted the true story about Florida license plates in the 60’s and 70’s being made out of soy bean byproducts?  The cows and other mammals were “gnawing” and “eating” them right off the vehicles.  So they went back to metal plates!  It’s the old story about consequences of decisions - sometimes the results or consequences of decisions are not adequately assessed or considered.  Florida learned its lesson

!

I remember you posting about the license plates. In Toronto they made raccoon proof garbage cans, IIRC they cost $400 each, raccoons couldn't open them. What they didn't realize was raccoons could quickly learn how to unlock them and open them.
https://globalnews.ca/news/4139886/raccoon-video-opens-green-bin/ (40 second video)

andres3

I was forced to commute on San Diego's Autobahn (the I 15) at speeds in excess of 85 MPH the other day. I was well behind a CHP Officer on a motorbike and wanted to keep him in visual range, but at long range.

He was losing me at 85 MPH, so I had to speed up to 87 or 88 MPH to keep up. This went on for about 20 miles before they exited the freeway. No lights, no sirens. Uneventful, except I've been punished and fined for lesser speeds in 65 MPH zones before. I have no problem with the Officer driving that fast without lights and sirens. I just have a problem with those that consider it a cite-able violation.

Mr_Shiftright

At that speed, stopping distance is going to be about 750 feet. At 60 mph, more like 300 feet. So if a flatbed truck is stalled two football fields away when you see it, you're done for.

andres3

Mr_Shiftright said:

At that speed, stopping distance is going to be about 750 feet. At 60 mph, more like 300 feet. So if a flatbed truck is stalled two football fields away when you see it, you're done for.

Or just change lanes. There's usually 6 lanes to choose from, not counting the Fast Trak lanes.

qbrozen

Mr_Shiftright said:

At that speed, stopping distance is going to be about 750 feet. At 60 mph, more like 300 feet. So if a flatbed truck is stalled two football fields away when you see it, you're done for.

Stopping distance in what? Another flatbed? Even an F150 hauls down to 0 from 60 in 119 feet.

Even with reaction time added in, it is less than those numbers, certainly.