AI Legalese Decoder: Unmasking the Truth Behind Fraudulent Bank Transactions for Victimized Customers
- September 12, 2023
- Posted by: legaleseblogger
- Category: Related News
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Title: Escalating Unauthorized Transactions: Seeking Solutions in United States, OH
Introduction
In this situation, where unauthorized transactions have occurred beyond your control, it is crucial to explore your options to resolve the matter effectively. Taking immediate actions like freezing your accounts and reporting the incident to the police demonstrate your proactive approach. However, it is understandable that you feel frustrated with the situation and seek more viable solutions instead of relying solely on voicing your concerns to the bank. Thankfully, advancements in technology have provided us with tools like the AI Legalese Decoder, which can offer assistance in navigating this complex situation.
Expanding on the Problem
1. Maintaining Control Over Devices
It is essential to recognize that being the sole person in control of your devices should be a top priority. Strengthening your device security measures, such as using strong passwords, enabling two-factor authentication, and regularly updating your software, will significantly reduce the chances of unauthorized access.
2. Filed Police Report
Filing a police report was a wise move, and it helps establish a record of the incident. This documentation is crucial when dealing with financial institutions and other authorities involved in the investigation. The AI Legalese Decoder can aid in generating accurate and comprehensive reports, ensuring that essential details are included to support your case.
3. Recurring Unauthorized Transactions
The fact that this incident has occurred for the second time is both bizarre and alarming. It suggests a potential vulnerability in your financial accounts or online presence that requires immediate attention. Rather than merely closing and reopening accounts, seeking assistance from the AI Legalese Decoder can provide valuable insights into legal strategies, helping you proactively safeguard your assets.
Utilizing the AI Legalese Decoder
The AI Legalese Decoder can serve as a helpful resource throughout this ordeal. It is an innovative tool designed to interpret and simplify legal jargon, transforming complex legal documents and processes into easily understandable language. Here’s how it can assist you:
1. Analysis of the Incident
The AI Legalese Decoder can review your case details, including police reports, bank statements, and prior legal actions, with great precision. By analyzing this information comprehensively, it can identify any legal loopholes or areas where a strategy adjustment may be required.
2. Guidance for Taking Legal Action
With its vast knowledge of legal procedures, the AI Legalese Decoder can offer guidelines on the best course of legal action to ensure a favorable outcome. From suggesting legal experts to providing templates for appropriate legal documents, this tool can streamline the process and enhance your chances of success.
3. Assessing Account Security
To mitigate future risks, the AI Legalese Decoder can assess your account security measures and provide personalized recommendations. By examining your password strength, device security configurations, and banking safeguards, it can help you fortify your defenses against future breaches.
Conclusion
Escalating unauthorized transactions beyond merely complaining to the bank requires strategic and informed actions. By leveraging tools like the AI Legalese Decoder, you can navigate through the complexities of the legal landscape, strengthen your security measures, and ensure a more favorable resolution. Remember to be proactive, consult legal experts, and advocate for yourself to protect your financial well-being in the United States, OH.
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AI Legalese Decoder: Revolutionizing the Understanding and Interpretation of Legal Jargon
Introduction:
In today’s fast-paced world, the legal industry is grappling with an array of challenges. One such hurdle is the dense and complex language known as legalese. Legal documents are often written in a style that is difficult for an average person to comprehend. However, the emergence of AI Legalese Decoders has brought a glimmer of hope to lawyers, legal professionals, and even ordinary citizens who find themselves entangled in legal matters.
The Problem with Legalese:
Legalese, characterized by lengthy sentences, archaic terminology, and convoluted phrasing, has long been the bane of legal proceedings. Its usage in contracts, agreements, and legal documents complicates the understanding and interpretation of their intended meaning. For many individuals, attempting to navigate through this intricate language can be both time-consuming and overwhelming.
The Role of AI Legalese Decoder:
AI Legalese Decoder is welcomed as a game-changer in the legal industry for its ability to unravel the complexities of legalese. This revolutionary technology utilizes natural language processing (NLP) algorithms to decipher and simplify legal jargon into plain and comprehensible language. By leveraging machine learning and sophisticated algorithms, the AI Legalese Decoder can analyze vast amounts of legal text, identify key provisions, and provide clear explanations and interpretations.
How AI Legalese Decoder Works:
The AI Legalese Decoder consists of advanced software that processes the input of legal documents. It breaks down lengthy sentences into concise statements, replaces archaic terminology with modern equivalents, and rephrases convoluted phrasing into lucid sentences. This transformation enables lawyers and legal professionals, as well as individuals without a legal background, to more easily understand the content and implications of legal documents.
Benefits and Impact:
The introduction of AI Legalese Decoder brings numerous benefits and positive impacts. Firstly, it saves considerable time and effort by eliminating the need for legal experts to decipher complex language manually. This increased efficiency translates into enhanced productivity, allowing legal professionals to focus on more critical aspects of their work.
Furthermore, the accessibility of AI Legalese Decoder to the general public empowers individuals to comprehend their rights and obligations without relying solely on legal counsel. This democratization of legal knowledge contributes to a fairer legal system, where everyone can make informed decisions and assert their rights confidently.
Conclusion:
AI Legalese Decoder is a remarkable technological advancement that addresses the challenges posed by legalese. By simplifying complex legal language, it bridges the gap between legal documents and the intended understanding of non-legal professionals. With the AI Legalese Decoder at their disposal, lawyers, legal professionals, and even the general public can navigate the intricacies of legal jargon with greater ease, benefiting both the legal industry and society as a whole.
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****** just grabbed a
> I didnÔÇÖt approve the transaction, it happened beyond my control.
Do you know what happened, or who did it? Or did you just wake up to an account that was $5,000 lower with no idea how that happened?
File a police report. Do you know who did this? Sue them.
https://www.consumerfinance.gov/complaint/
Submit a complaint they denied your fraud claim.
Keep a log of the process and document your interactions. It’s a significant amount of money to just lose, so you need to proactively pursue this.
Beyond that, be prepared to find a new bank. Even if you are successful in getting your claim approved and want to stay at that bank, the bank can still choose to terminate you as a customer.
You can find information online about ‘trusted devices’ and banking and how to secure/clean your devices. Some of it is going to be out of your hands, meaning cyber criminals are always looking for ways to exploit, but there are steps you can take to help prevent it. You may also find a tech or security based subreddit for specific advice for the devices you do have.
What device do you use to access your account generally? Just because it says it came from a trusted device doesn’t mean they had physical access to your device. Do a thorough check for malware on your PC. They may have hijacked you, or even tried to hijack the token that gets put on your PC to mark it as a trusted device.
​
If you have had this issue before and they did not take any money, then it is likely that you have a compromised device. If you are unfamiliar with clearing out malware or other compromises to your devices pay someone to do it. You’re down $5000, you don’t want to lose more.
Use the Consumer Financial Protection Bureau, and file a complaint.
Escalate with the bank. Don’t let the person answering the phone blow you off.
If this has happened multiple times with different account numbers, odds are it’s someone at the bank not a random stranger. Happened to my parents at BofA, where money was removed and they claimed it was a “trusted device.” It turned out it was one of their tellers.
Ask them to confirm the IP address the Trusted Device was using. Because it’s entirely possible to compromise the token that makes a Device Trusted. If the IP is not the one you used or one you have access too, it’s likely foreign. Then that would indicate that their system is compromised, not yours.
You could have left your Gmail logged in on another computer. If a Chrome profiled is synced and you save your passwords, bingo. If you ever used a public computer or work computer or friends, etc. Same with Apple ID or a Microsoft account in some cases with sync on.
Most likely you have either maleware or Spyware on your computer or phone. Maybe even a keylogger but that wouldn’t explain the trusted device.
Log in to your bank account and look for where they have the trusted devices listed.
Have you shared an MFA key with *anyone*?
If someone has access to your email (again like a gmail) they could have your synced passwords AND they could login to the bank then set their own device as trusted.
You need to contact the police and file a report.
You need the bank to tell you the IP and MAC/any other info about the trusted device.
While on your home pc, go to ipchicken.com. If the IP matches, it happened from a device while on your home network.
Go to haveibeenpwned.com and check all of your email accounts. I guarantee at least one of them has been part of a password breach.
You may have been the victim of a phishing scam and just don’t remember it. Clicking on an email from the bank or to view a document and it asks you to login. It forwarded you to the real place after so you don’t realize you gave a malicious party your credentials.
Human engineering is also a hell of a thing. Have you let anyone remotely access your computer? Even if they claimed to be from the bank or your work?
Recommend. Doing everything is key not just cherry picking.
1) save all your data to the cloud (onedrive. Dropbox).
2) reset/format your computer. You can do this yourself by typing reset in your windows search bar. Click erase data. Do not install any third party software or browser extensions.
3) verify your contacts/data on your phone is synced to a Google account, Samsung account, or Apple account
4) reset your phone and set it up from scratch. Do not reinstall apps automatically or restore from a cloud backup. Reinstall only what you absolutely need and trust.
5) reset all passwords and use a unique randomized password. It doesn’t have to be long. But it should not be similar to any past password at all or be similar to any other password. AsB!40071 0Top@44! Are examples. C0wb0ys! Is a bad password. Any password used in multiple places is a bad password. Any password that’s over a year old is a bad password.
6) after resetting everything, go into your email and verify there are no rules or forwards setup. Go to trusted devices and *clear* all. Reset security questions.
7) get Google authenticator and use it where avaliable
8) turn on MFA for everything
Source: I work in IT for several small businesses. I don’t specialize in cyber security but I’ve run into many similar situations. I even stopped a 60k wire transfer with only minutes to spare.
https://www.consumerfinance.gov/complaint/
Submit a complaint they denied your fraud claim.
Keep a log of the process and document your interactions. It’s a significant amount of money to just lose, so you need to proactively pursue this.
Beyond that, be prepared to find a new bank. Even if you are successful in getting your claim approved and want to stay at that bank, the bank can still choose to terminate you as a customer.
You can find information online about ‘trusted devices’ and banking and how to secure/clean your devices. Some of it is going to be out of your hands, meaning cyber criminals are always looking for ways to exploit, but there are steps you can take to help prevent it. You may also find a tech or security based subreddit for specific advice for the devices you do have.
Where the money WENT would be a clue. Your bank should have no problem providing you with that information.
I’d ask them for the IP address and the MAC address of the “trusted” device. Just because it was deemed trusted doesn’t mean it’s you.
I would threaten them with legal action if they don’t re-assess.
A trusted device can be 1 of MANY things. Such bullshit statement that usually has no basis of what actually caused the issue.
If the device that did the transfer has any of the following, it could be considered a trusted device:
Physical Location
Device ID that has used the account before
Same wifi network
Cookies
IP address (considered a very light link but is still considered a link).
Language of the device…
Could be cookie hijacking, but then again, it’s insanely hard to identify/confirm.
There’s a fair few more, but to state a “trusted device” is incredibly vague.
Talk to a lawyer.
Who had access to your devices?
OP! I saw some comments saying this, but don’t entirely close your account just yet. Although I would pull all of your money out and make an account with a separate institution, having an account ID, number, and any associated transaction data is crucial to have in your dealings with the bank.
Did you hand over your phone to anyone you dont know recently? Like someone who’s phone was dead and needed to urgently call someone? This is a hustle to give you them your device and then they send money to themselves from your payment apps.
OP I’ve been through a similar situation. No one, even the bank, will do anything until the police report is filed. Even though the police will not pass it to the DAs office, you need the case number in order to engage the state and even federal law enforcement.
Banks are covered by Reg E for electronic fund transfers which means if you didn’t do the transfer, the bank eats it. There are some requirements like if you give out your username or password, its no longer unauthorized and you have x number days to notify the bank. I assume you didn’t give someone your username and password. I also don’t understand the “trusted” device comment your bank made because there is no where in the rules about “trusted” device.
https://www.consumerfinance.gov/rules-policy/regulations/1005/6/#de38a82277268f404065254dafd5d4914192d0c3b36d54d4642f206f
File a police report and file a claim wiht FTC
After all this is settled and youÔÇÖre able toÔÇö Backup important stuff then factory reset all of your trusted devices. ItÔÇÖs also not impossible for someone to spoof your device, this is essentially disguising their device as yours to bypass authentication. Just some advice
Guess I’m never ckicking “trust this device” again.
Edit: literally a second after commenting here my girlfriend gasped and the exact same thing has happened to her. $5,000 direct debit by some random company. What are the chances. Aus bank though.
Could it be a browser session cookie hijack? Kind of like what hit Linus Tech Tips awhile back with their youtube credentials? — if I’m not mistaken, that would allow the attacker to steal your logged in session data, making it look like the transfer was done by one of your devices? Purely speculation here, but it does seem to fit the bill.
As a former law firm employee who did a lot of work for banks, and needed to learn their escalation procedures, you can always tell them that you will “take your story to the media” if you’re not getting very far even after filing a police report.
This is a trigger phrase for them and it will almost always result in significant escalation on the banks end.
I have had this happen to me the scammers were able to get into my apple account and make a duplicate of my phone somehow. Opened an account with an online bank called sable and transferred my money to that account and spent it all in 24hours and it showed that the account was opened from my phone. I live alone and no one but me had access to my phone. My bank did count it as fraud and I got my money back. They should be able to track where the money was sent and give you the information so you can track from there. If you can show the money was spent somewhere you werenÔÇÖt hopefully they honor the fraud claim
Sounds like who ever made transfer did so has logged into your account before. So that made it a trusted device. They have to give you information on this. Kick up the chain with the bank.
Fod a good idea of *how* this ***can*** happen, coming from *your own device – look up Session hijacking*. This happened with Linus Tech Tips recently on their youtube.
The hijacker uses the stored information on your own device to connect into the account as you. The bank doesn’t know it’s not you because they are seeing valid information they issued to *you – however the bank can tell when and where the session came from.*
you need to look into Reg E (https://www.consumerfinance.gov/rules-policy/regulations/1005/) and as others have stated, take this up with the CFPB. If everything you’ve stated is true, you’re not likely to be liable for this EFT.
specifically this sub-section (https://www.consumerfinance.gov/rules-policy/regulations/1005/6/)
additional details here regarding a term you’ll see frequently, “access device”; https://www.nafcu.org/compliance-blog/cfpb-issues-regulation-e-faqs#:~:text=The%20CFPB%20indicated%20that%20the%20answer%20is%20yes,device%20from%20the%20consumer%20through%20fraud%20or%20robbery.
> ÔÇ£negligence by the consumer cannot be used as the basis for imposing greater liabilityÔÇØ than what is allowed under the rule. So, the answer is no, negligence does not affect a memberÔÇÖs liability for unauthorized transfers.
> For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumerÔÇÖs account access information: (1) a third party calling the consumer and pretending to be a representative from the consumerÔÇÖs financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumerÔÇÖs account, and (2) a third party using phishing or other methods to gain access to a consumerÔÇÖs computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs.
You did that cash app glitch last week huh
In the future, never use the “trusted device” option. I know two-factor authentication is a PITA, but it is effective in protecting you.
They should be able to determine the IP address and browser information to determine if it was really from your network.
Probably cookie highjacking https://en.m.wikipedia.org/wiki/Session_hijacking
Go online and file a complaint with your stateÔÇÖs Department of Financial Institutions. This will make sure Legal/Compliance get involved and not just someone in loss prevention. Not saying you will definitely prevail but, will make sure many eyes are looking at it and they will be required to file a formal response to the appropriate regulatory agency which they will then pass on to you. The DFI will have strict timetables for response by your FI and will not let the matter drop without response. Source: 30 years in management/compliance/legal in financial institutions.
You need to file a complaint with both the Consumer Financial Protection Bureau (CFPB), and the Office of Comptroller Currency (OCC).
Have you had some one call you about tech support or a refund, and had you install AnyDesk or other remote access software?
if so, this is a common tactic with scammers. Even if you end the call, but they have already remotely connected to your machine once, then theres a chance they can access any time and can remotely login to your computer when you arent using it, and access your bank.
Nal . freeze your credit immediately, change all your passwords to very long unique passwords and use a password manager . Use 2 factor when available
It could possibly be a virus on your PC if you use it for banking. Pick up an anti-virus and run a full scan.
File a complaint with the CFPB.