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Citibank may lock bank accounts for 45 days if breach suspected
- codefreeordie 4y agoYou definitely don't want your bank to decide to unmoney you. Unfortunately, they can do so for any reason or no reason, so don't post too much wrongthink on the internet, or else
- neodypsis 4y agoIt's certainly a power-imbalanced relationship, that between the banks and their individual customers.
- renewiltord 4y agoThis really sucks. I don't mean to diminish it. But > Since he was traveling and was relying on @Citibank, he was screwed. Does anyone actually do this? I don't know anyone who'd rely on a bank. You just have like 2 or 3 credit cards. Pre-war, one of my friends was actually in Russia and lost their wallet, and Visa (yes, Visa, not the bank) actually hand-delivered him the card. Blew my mind.
- xiphias2 4y agoI don't travel anywhere without Bitcoin. It saved me many times when banks created arbitrary problems. (I use travala.com and cheapair.com)
- winternett 4y agoGreat trying to spend it after a value plummet I tell you what! Everything is terrible. The US dollar is on par with the EURO though.
- renewiltord 4y agoFascinating! Thanks for sharing that.
- smcl 4y agoIn what situations has Bitcoin saved you, and where (country, city)? The reason I ask is because I cannot recall seeing any shops which would accept bitcoin, and the last ATM that bought BTC for cash I knew of in my locale disappeared a little while ago.
- xiphias2 4y agoI usually travel with $10000 cash with me and use Bitcoin to pay for hotels and flights. Shops accept USD at a lot of places around the world. I travel for half year every winter to south / central america from Europe, and there have been cases when my bank cancelled my credit card because of technical problems with contactless payments even though I didn't need contactless. Another time Revolut just blocked my access to their app for a few days until I could prove where I got the money from. Another time a bank blocked my card because I was travelling and they thought it's a fraud. Depending on banks for long travels far from my home is scary, so I make sure I always have enough BTC and cash to survive.
- blisterpeanuts 4y agoThat’s a lot of cash to travel with.
- 988747 4y agoYep, I would never carry this much on me. In most countries you need to declare such amount when crossing the border, and explain why you have it. And of course in the US any cop on the street can just take it from you, with no recourse. I would carry 500-1000 USD at most.
- smcl 4y agoI don't have a credit card, which is pretty typical here, so I always travel with just cash and debit cards (I have a couple of accounts). But if what you describe is standard - i.e. you get very good service in an emergency - a credit card does sound like a good idea
- brewdad 4y agoAs an American, 2 credit cards should be the bare minimum. I carry 4 that I use regularly and a 5th that sits as a "break glass in case of emergency". They all get paid off every month, so it costs me nothing.
- Semaphor 4y agoI have a credit card for bonuses and certain benefits like when renting a car, but as it’s AMEX I need my debit card with me anyway as the acceptance rate is about 70% (of places even taking non-girocard cards) here in Germany. As I automatically pay it off every month and enter all transactions in YNAB, it has no drawbacks.
- Psychlist 4y agoYou know 18 year olds with two or three credit cards? That seems like a different risk to me.
- renewiltord 4y agoHmm, I must have missed that. Makes sense to have fewer then. Though when I was traveling as a young 'un, my parents gave me straight cash which I carried appropriately secreted away.
- ThinBold 4y agoI (and I assume many do) buy flight tickets with a credit card so at least one bank knows you are traveling. Never have I had any problem when traveling. But there is one time I wanted to wire myself from Bank1 to Bank2, got blocked, called to unblock, and got blocked again immediately after I attempt the same transaction. Have to goto a Bank1 branch and brainstorm what to do and they ended up giving me a "bank check" (what's that???) only for me to walk to a Bank2 branch to deposit.
- Hextinium 4y agoFor small but significant amounts (less than like 10k) it is significantly simpler to just get a bankers check for moving money between accounts between banks. Walk into one branch, get a check, go to the other branch, money moved! Definitely not ideal if you are doing it frequently but if you are closing an account it's very simple.
- ithinkso 4y agoNowadays I can't imagine travelling without Wise (former transferwise) card. I think Revolut also gives you cards but I have not used them personally. I'm using my bank just to pre-pay Wise account when needed
- kergonath 4y ago> I think Revolut also gives you cards but I have not used them personally. Yes. I use Revolut for that exact purpose.
- raverbashing 4y agoHe apparently was travelling inside the US, which makes the story even more absurd
- paganel 4y ago> Does anyone actually do this? I don't know anyone who'd rely on a bank. You just have like 2 or 3 credit cards. I only have one debit card available, I'm from Europe. That's why whenever I travel I also carry cash with me.
- jesterson 4y ago> I don't know anyone who'd rely on a bank Imagine suddenly all your bank accounts are blocked. Do you have a plan for this? > . Pre-war, one of my friends was actually in Russia and lost their wallet, and Visa (yes, Visa, not the bank) actually hand-delivered him the card. Little known, but it's actually standard feature for CC starting from some class. Used it twice - once bank blocked CC and I figured it in airport, another time I lost the CC.
- Mashimo 4y agoI only have one bank with one card. Until now I never had the need for more.
- maxbond 4y agoThe modern world is just full of dumb traps like this, and I personally doubt I know the half of them. Don't rely on gmail/Google Drive, they might arbitrarily block you with no recourse. (This one I've known about for years, but have yet to find the time to properly address.) Don't rely on a single bank, they might arbitrarily block you with no recourse. (This one was news to me.) Et cetera. The thing is, addressing each of these means first knowing about it, then deciding to act, then actually investing the energy. All of this requires technical proficiency and time that people may simply not have. What I want to know is, why have we built so many footguns, and how can we start disarming them? Why is technology moving us to a Kafka story instead of a Star Trek story?
- leppr 4y ago> Why is technology moving us to a Kafka story instead of a Star Trek story? That's a problem which has nothing to do with technology itself. Technology makes providing support cheaper, so if the only changing variable was adding more technology, we would be getting better support, not worst. The problem is cultural individualism. People give too much power to centralized entities, and don't respect the paramount importance of free market competition in accountability. A typical argument is that technology causes this centralization, but it's simply not true. For each service, there almost always exists both centralized options, and decentralized open-source ones. It's on users to go above the individualistic perspective and chose the option that's right not only for their own individual needs, but also for their community.
- maxbond 4y agoI agree that the technology is capable of creating many sorts of worlds, and that it's a series of choices that has lead us to this one and not a better one. But I disagree that it is possible for individuals to simply change their behavior and create that world using their collective purchasing power. This arrangement works well for the companies and investors that create the options consumers may choose from, and they have and continue to offer the set of options that match their preferences. To take the example of Google, and they are not unique here simply particularly egregious, it is apparent that they are completely unwilling to offer a human-powered support facility that is able to make complex decisions and accommodate unique situations. Eg, I imagine we've all seen stories on HN about Chrome extension developers being kicked off the app store and being stuck in an infinite chat loop with an AI, as they struggled to reach the _single_ human being[1] who may be able to help them. That's not something we can fix by making different choices in the browser marketplace, which increasingly is just Chrome wearing different wigs. Even if we solved it in the case of browsers, this is a systemic issue across not only companies, but industries. Fixing this would mean something more fundamental than individuals changing their preferences to prioritize nonhostile software. It would require society at large agreeing to change it's priorities so that good options could be presented to them in the first place. > A typical argument is that technology causes this centralization, but it's simply not true. I think when people say this, "technology" is best understood as "the technology industry" or "technology, the social phenomenon" rather than "technology, the artifacts of engineering." I don't entirely agree that technology is amoral (not that you claimed this), but I think that's true enough for a first approximation. But when people say "technology causes centralization" (or "technology causes X" generally) they mean, "technology, as it is implemented in our society, given that it doesn't exist in a vacuum," and that has moral dimensions for sure. [1] https://twitter.com/DotProto/status/1261155320740499456 https://twitter.com/DotProto/status/1261155320740499456
- Tempest1981 4y agoKids usually can't even get 1 credit card in the US. Any tips?
- jeroenhd 4y agoI have a debit card and a credit card. The credit card is for American companies and for backups during holidays. I do everything using my single debit card, including getting money out of foreign ATMs. My credit card comes from the same company I hold a debit card with so if the bank screws me over, I'm screwed. Yet, I do not fear getting screwed over. Every time I hear about the ways American banks will screw over their customers I'm thankful I do not live in the USA. The American banking system is corrupted and horribly outdated to the point where consumers need to practice defensive financing (and things like tactical debt gathering to accumulate a credit score with a shady financial megacorporation), but that's not necessary in every country. With the right people-oriented regulations and incentives, banks can be better.
- silisili 4y agoCiti is a dumpster fire that I swore off as a teen. Only company to ever send me to collections, since I refused to pay their 'fees' after closing my account, which of course accrued late fees. This was in the overdraft fee era when banks seemed to have fun finding ways to extort you. Now, I'll churn their credit cards time to time just to feel like I'm doing my part to stick it to them. Rant out of the way, I've had something like this happen to me. What's more, all bank security I've dealt with treat you as a liar, always condescending, and are generally not allowed to provide any information as to why they are doing what they're doing. I highly recommend spreading some amount of cash among at least two financial institutions. No matter how great you think they are, they can turn on you in a heartbeat for some esoteric reason.
- GoblinSlayer 4y agoIn my experience only big banks are bold enough to screw their customers, and Citi is a pretty big bank operating in 19 countries.
- HellDunkel 4y agoThat’s why we can’t let go of cash-
- neodypsis 4y agoNor cryptocurrencies.
- brewdad 4y agoStop trying to make fetch happen.
- neodypsis 4y agoWhat is fetch?
- brewdad 4y agohttps://www.youtube.com/watch?v=Pubd-spHN-0 https://www.youtube.com/watch?v=Pubd-spHN-0 Basically, that thing you think is awesome will never be.
- neodypsis 4y agoHaha, at first I thought you meant fetch.ai [0] (based on a quick search). [0] https://medium.com/fetch-ai/fetch-ai-nabs-5m-in-institutional-investment-fireblocks-to-add-support-for-fet-token-9896cbafcc49 https://medium.com/fetch-ai/fetch-ai-nabs-5m-in-institutiona...
- mobiclick 4y agoYour fetish is another man's means of leaving.
- mobiclick 4y agoHear, hear! I once was denied access to my own money over a very long weekend during which a bill popped up that I had to settle immediately. I ultimately ended up borrowing money from my family. The reason for the denail turned out to be a clerical mistake. The feeling of dread I experienced thanks to this tought me to always kept a small stash of cryptocurrency (and cash!) for situations like this. In the age of uncaring mega corporations and unaccountable governments, having money not controllable by either is a necessity.
- klipklop 4y agoThis is what happens when banks don’t need your deposits anymore. You are an annoyance to them. They don’t care if you pull your money out. They no longer need it. Things won’t be pretty once we go cashless.
- tjmc 4y agoSeems that way with Citi. They've been getting out of retail banking in several countries lately. I have an account with them in Australia - but it's operated by an Australian Bank.
- nightski 4y agoHonestly I don't know why anyone would lock all their money up with a single bank. Accounts are so trivial to open and manage nowadays. Diversify not just your investments but also your fiat holdings.
- Broken_Hippo 4y agoPoor people (which generally includes young folks) simply do not have investments nor enough actual money to pay for two bank accounts. A bank account for poor people is a utility, not an investment. It keeps money a bit safer than keeping it on you at work (for example). It is only trivial when you don't need to spend all of your money each and every month. Those same folks could easily wind up homeless if this happened to them.
- nightski 4y agoI've been poor. Six figures in debt with less than $10 in my checking account. I know what it is like. But there are plenty of accounts in the U.S. which have no minimum balance and no fee. You can have $5 in there.
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- diebeforei485 4y agoCan complaining to the CFPB help in these scenarios?
- neodypsis 4y agoYou could, but the harm is already done, isn't it?
- imgabe 4y agoThe harm is ongoing if he's still unable to access his money. Banks will often move quickly once regulators start getting involved.
- neodypsis 4y agoHow long do they take in processing the complaint? What if (s)he is traveling and thus put in a difficult situation?
- imgabe 4y agoAccording to the thread, they've already returned from their travels and visited several different local bank branches. Not sure how long the CFPB or OCC takes to respond, but they do take complaints seriously and they can cause serious problems for banks.
- pm24601 4y agohttps://www.occ.treas.gov/ https://www.occ.treas.gov/ - office of the comptroller of the currency. That is the agency that regulates national banks.
- ur-whale 4y agoMan discovers that when giving it to a bank, his money simply isn't his anymore. Not news by any stretch of the imagination.
- LatteLazy 4y agoAh, the joys of aml. We can't let you have your funds and we can't tell you why.
- winternett 4y agoIt wouldn't surprise me if CC companies monitored social media for reckless spending these days with all the info back doors out there. There is something that triggered the lockout. It's best to retrace steps to be sure about what originally caused the account lockout. That might be something in common with any card provider. When I was young and dumb, I got locked out unexpectedly after losing a job. If you post that you lost a job on social media these days... Lights you can't see can go off elsewhere... They also ALL know your bank account balance without you even telling them.
- oefrha 4y agoSounds like you don’t know credit card companies at all. Reckless spending is how they generate a significant portion of their income. If everyone spent wisely, no one would be paying interest any more.
- gambiting 4y agoExactly, it's the opposite of what OP said. With some companies you are actually more likely to be given a credit card if you have demonstrated a shitty spending history, since that's how they make money on you. Paying everything off on time and never accruing any interest is not a way to earn any money.
- saagarjha 4y ago…why should losing your job lock you out of your account?
- Shank 4y agoCiti has flagged my account for suspicious activity three times, each with the same pattern: card gets declined on a routine transaction, followed by absolutely no notice over any electronic means, and then a letter in the mail describing the lockout. If there's a bank I would ever advise against, it's Citi, purely for the reason that they really seem to overreact to fraud signals.
- arbuge 4y agoThose sound like pretty routine credit card declines, to protect your card from unauthorized activity. When I was with Citi, resolving them was a simple matter of calling their telephone number, and it would take a few minutes at most. I since switched to a couple of other banks and they both have similar procedures in place. The problem described in the Twitter thread is on another level entirely. As another commenter here pointed out, it sounds more like that one failed a KYC review of some kind.
- PaywallBuster 4y agoI used to have 90% of my money in a bank Moved to a foreign country during covid Meantime, the debit card expired, 3 months later when I try to login to mobile app/internet banking, can't do anything without the debit card. Call the bank to send new one 3 month waiting Call them multiple times: we can send new one but we'll cancel the one 'in-flight. Do you want to do that or wait another week?' Eventually I requested a new one, two times 1 year waiting The last phone call the staff admited they could be getting stolen I've requested multiple times to send the card by Fedex or DHL they refused to do anything that didn't follow "their process" A debit card sent by untracked letter! Meantime they refuse to give me any alternative access to the account, move any money or make any transactions. Lesson learned, don't trust _ONE_ bank with your savings/banking needs! Can't be safe unless you have multiple bank accounts, crypto, and some nice friends.
- zeroth32 4y agoBeen there, now II have 15 cards from 6 different banks. There is also problem with deposit insurance. In EU deposit in single bank is insured upto 100k euro. If bank bankrupts, you loose anything over that. So it is better to spread deposits across multiple banks, each with 100k euro deposit. And by aware that many banks are owned by the same group, and use just different brand as front. Insurance is per bank license, not per bank brand.
- seunosewa 4y agoHow often do banks go bankrupt in EU? It must be rare.
- zeroth32 4y agoJust six months ago, some banks connected to Russia bankrupted (Sberbank...). They were normal EU banks, incorporated in Austria and Netherlands, with EU bank license. There is also Cypriot bail in in 2013...
- christophilus 4y agoI wouldn’t keep over 100k in a bank, anyway. I’d at least put it in a decently compounding mechanism like an infinite banking whole life policy (assuming Europe has such policies) and make it work for me.
- mellavora 4y agoI've heard people sometimes pronounce "Citibank" as if the first letter was replaced by a "SH" sound.
- pjc50 4y agoWhat I don't understand out of all these high-value horror stories is why, in the notoriously litigious US, the bank doesn't get sued.
- dannyw 4y agoBinding arbitration.
- searchableguy 4y agoAt least in India, banks are required to pay you every day for delays to resolve major issues beyond what is considered reasonable. OP's case would likely fall under it. It's part of RBI (Reserve Bank Of India) guidelines. The scope is expanding every few years to cover every situation.
- tumetab1 4y agoI which more countries follow that... I don't know any other country that has such rules.
- pessimizer 4y agoThe notorious litigiousness of the US is propaganda aimed at arbitrarily limiting judgements against industries who can afford lobbyists.
- SturgeonsLaw 4y agoYeah, beware of those who champion tort reform, they're just trying to make corporations legally untouchable
- Thiez 4y agoPerhaps the victims can't afford to sue.
- LatteLazy 4y agoIf you trip some anti-money-laundering check, banks are legally required to freeze the account, often to close it, and must NOT tell you why. You cannot sue someone for doing something they're legally required to do. Well you can, but you will lose immediately... For what it is worth, I think a lot of AML is bullshit. But that doesn't change the fact it is the law, and many people support it because they assume it only affects drug trafficer and terrorists and billionares engaged in questionable activities. I heard this week that when AML checks on cash came in, the limit was 10kUSD for a cash transaction to be reportable. That was in the 70s, so the equivalent now would be 70kUSD today. That's per year. But the limit has not changed, so expect to raise a red flag if you sell a nicer end car or your tenant asks to pay in cash...
- graycat 4y agoFor my main bank account, I have a debit card, sure, but also an old fashioned checkbook. If I write a check, there may be no issue of proving identity to get the check cashed. If so, then go to another bank, open an account, and make a deposit via check on the old account. Did the guy in the OP have an old fashioned paper checkbook?
- projektfu 4y agoI think if he was denied access to his money at the bank branch, the bank wouldn't have honored his check. The opening deposit would probably not clear.
- graycat 4y agoAccording to the bank, the issue was being sure about his identity. Well, with a check, the check itself is identity enough. And with a check, the bank may be legally required to pay it with the funds in the account.
- dusted 4y agoThis is an excellent argument against private banks. Financial infrastructure should not be in the hands of private corporations.
- bongoman37 4y ago
- logicchains 4y ago>Financial infrastructure should not be in the hands of private corporations. What makes you think public banks would be any better. Have you ever been to the DMV? At least with private banks you have the chance to switch to a less shitty bank or credit union; with a public bank you have no chance.
- minerva23 4y agoCalifornia’s DMVs are better than many private companies. They have walk-in times posted on the web. Friendly customer service. Security. Ample seating. A lot of self-service options. I honestly like the California DMV.
- ciupicri 4y agoFinancial infrastructure should be in the hands of private citizens, i.e. cash or cryptocurrencies.
- dismalpedigree 4y agoThis is almost assuredly caused by a private bank being forced to comply with AML laws from a public regulatory body. How would a public bank be any better?
- codefreeordie 4y agoI trust my private bank much more than I do the government to act in my best interest.
- Havoc 4y agoYup. This is why I hang onto a fancy private banking account that is ridiculously overkill for my pedestrian needs: all their processes are geared towards human interaction
- leppr 4y agoI thought these services charge exorbitant amounts that are a % of your deposited amount, unless you are in the 9 figures?
- nraynaud 4y agoAmericans seems to be enamored with credit unions, when I went to one to look into it, they told me they don’t do international wires and that only big banks do it (I didn’t go check at other unions).
- AndyMcConachie 4y agoWhen I used to live in the USA I had two accounts at two different credit unions and they both did wire transfers. But banking in the USA is so archaic to begin with. paper checks? The benefit of credit unions of commercial banks is that they tend to be considerably less scummy. All of my banking horror stories from the USA come from commercial banks, and I always recommend Americans to use credit unions.
- ucha 4y agoThe fact that they closed his account frankly sounds like the outcome of an AML review. Banks are deputized by the government to check for all sorts of suspicious transaction. They get fined when their procedures are not sufficiently stringent. They're not allowed to tip you as to why your account is being suspended or closed. At any moment, any bank can lock your account for months without informing you of anything. It's unfortunately the power we decided to give them to prevent money laundering.
- tinalumfoil 4y ago> No person shall ... be deprived of life, liberty, or property, without due process of law ...nor shall any State deprive any person of life, liberty, or property, without due process of law. I know I'm at risk of upsetting the "private companies don't have to obey the constitution" police, but if the government is essentially acting through banks to deprive you of life, liberty or property then maybe the bank should be providing some sort of due process to you.
- phpisthebest 4y ago>>It's unfortunately the power we decided to give them to prevent money laundering. "We" did no such thing, most of these regulations are created by non-elected administrative state that has far far too much power
- krenel 4y agoYeah, thought the same. The AML team on a bank cannot disclose that the account is being investigated by the regulator, nor give any information to the client about it. Of course, if the bank wished to do so, they could give information or unblock the funds. But the fines that the regulator can impose to the bank are disproportionate (hundreds of thousands, per individual case) to "convince" the bank to comply. Thus, is not "the bank" who is doing that to you, it's the regulator, and the agreement between the bank and them. And this "agreement" is a requirement in order for the regulator to give a banking license, so... Let's be clear, the bank is not gaining anything out of this, quite the opposite: they are at risk of bad reputation, having an angry customer at their offices or calling daily, etc... It's a very frustrating situation, tho. I do understand that.
- SMAAART 4y agoAvoid all single points of failure at all times. * Use 2 credit cards, alternate between them on a weekly basis * keep as little money as possible in your checking account, keep a book balance of $100, transfer # from savings on a weekly basis to cover what is due. * have at least 2 savings/MM accounts at 2 banks that are not the same bank as your checking account. * Keep your investment portfolio in at least 2 accounts at 2 different companies
- sneak 4y ago* keep $20k in cash hidden somewhere not in a bank
- kurupt213 4y agoYou should not be transferring weekly from your savings account.
- ipython 4y agoCorrect. At least in the US, “regulation D” restricts you from using your savings account as your “transactional” aka checking account. A long time ago before that was a thing and interest rates were non zero, my local credit union had automatic overdraft protection that drew from your savings account with no fees. So I would just keep the checking account balance at zero and draw from my savings for every check. Apparently at some point this triggered some automated check and I could no longer do this. Regulation D only allows you to transfer money from your savings account to checking six times per month, but apparently that rule was suspended during COVID.
- SMAAART 4y agoWhy not?
- phpisthebest 4y agoI agree with most of this, but >keep as little money as possible in your checking account, keep a book balance of $100, transfer # from savings on a weekly basis to cover what is due. I am not sure what the point of that is if they are in the same financial institution. Also most savings accounts pay shit for interest, and most checking accounts still pay shit but it is about double the amount of shit...
- kurupt213 4y agoThere’s got to be something more to the story that his son isn’t sharing.
- rwmj 4y agoI've had a lot of this lately, since the introduction of mandatory "two-factor" authentication (the "second" factor is a mobile phone, so neither secure nor a second factor). We have no mobile coverage at home, so it's impossible to use this. Online purchases often don't go through. My bank's helpline is massively overloaded with often 1 or 2 hour wait times. They haven't actually banned me from my own money yet but I'm certainly looking around for other options.
- dade_ 4y agoIf you travel internationally or do any business, have a local bank and a proper international one. A local banks follow local country laws, so in Canada, bank cards work in Cuba. However, employees are painfully useless about anything outside the country. An international bank, because the employees aren’t clueless about internal transactions. However, they are under the strictest restrictions, cards don’t work in Cuba for example. Iran, Syria, etc will also be a problem. But I can move money between countries as easily as I move money between chequing accounts. Also, they send me my cards via DHL, not regular untracked mail like the very painfully dumb local banks.
- aembleton 4y agoAs I've got a Mastercard debit card, doesn't that just work anywhere in the world that accepts Mastercard?
- dade_ 4y agoNo. Trade embargos, sanctions, etc impact you. Canadian HQ bank, their Mastercard and VISA work fine in Cuba. US HQ bank or any international bank that follows US sanctions (if they want to deal in US Dollar, they do), their Mastercard and VISA do not work in Cuba. This is just 1 example, but China have their own list. And Russia is an interesting case too.
- 6ak74rfy 4y agoWhat are some good “international banks”? Does Schwab count?
- teeray 4y agoSounds like he should have tried authenticating by lawsuit.
- phpisthebest 4y agoNever trust any Bank. I Only use Credit Unions, and have multiple accounts, 100% of my loans, checking accounts, saving accounts etc are with various Credit Unions I have a credit card with a non-credit union, and I have an investment account with a non-credit union, but for cash assets I want that in a credit union not a commercial bank
- ck2 4y agoSounds like old-school PayPal (maybe even still now)
- grapehut 4y agoReminds me of my story: I met a girl in Mexico and decided to quit my job and move in with her. Since I couldn't open a bank in Mexico, I decided I'd just wire the girl all my money. Except upon trying my bank (of America) froze my account and took around 3 months to unfreeze, of which time I had access to absolutely no money. It's kind of why I find it funny in all the crypto threads watching people here idolize the current financial system. Yet at a whim or some internal AML flag they can effectively trash your life giving you effectively no recourse.
- Cipater 4y agoHang on, how long after you met her did you quit your job and move in with her?