Well you don't get any money!

[smokeythecat]

Dizzydigger, it was the other guy. I saw it too!

 

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[SusanMN]

Yeah, my friend's bill pay got hacked and whoever it was got her for over $5k by putting in a new "pay to" and she didn't get the money back.

So they hacked their banking account? That is the only way to set up a bill pay. Most banks, including mine have dual factor verification. Where if you sign up from an unknown computer they contact you via text or phone to verify it is really you. My bank also sends me an email notice any time I set up a new bill payee.

 

[SusanMN]

When it comes to inefficiency, the Pension BenefitGuarantee Corp, a US gov business is probably the WORST I have come across for efficiency. When pension plans go bankrupt, as mine did last year the PBGC steps in to pay beneficiaries. I get my first pension check from then in November, right amount, right address, right personal information. Shortly thereafter I get a letter from them telling me I need to complete and return paperwork if I want to continue my benefit. Alternatively, I can set up an online account but to do so you must call first.

The first time I attempted to call there were 800 (!) people holding in line for a representative so, hell with that I filled out the paperwork and mailed it in. Thirty days later I get a warning my benefit is going to stop because I have not returned said paperwork. So I call and wait nearly two hours on hold, finally get a representative who verified they have not received my paperwork. I will set up an online account I say and this is where I find out that this representative can’t help me with that. Instead they have to schedule an APPOINTMENT for me with another online rep some days out to set up an account. Four or five days later I have my phone appointment with the rep and finally get my online account. Hours and hours of my time for something that should be able to be done in five minutes by most online systems.

 

[smokeythecat]

SusanNM, I think the bad guys set up a mirror IP address and did it somehow that way.

 

[SusanMN]

If your friend was hacked so bad that they not only have her IP address but her bank user name and password, I hope they have changed all of their passwords and gone to two factor ID on everything they can.

 

[smokeythecat]

I think she downloaded one of those things that allow others access to your computer unaware.

 

[Keith Jackson]

I pay all of my bills except for my rent online. With all the problems that have been going on with the post office lately, I don't trust them to get bills to me or my payments to them on time.

 

[Honest Samuel]

I do the same as Keith, also save on stamps.

 

[SusanMN]

Even if you don’t believe in online banking or paying anything online, you should really set up online accounts for every account you have. Reason being that it is crazy easy to establish a new account with just a few basic pieces of info and the verification process is minimal. So you don’t want someone setting up your bank account or retirement account with their email address, setting up passcodes for your accounts and redirecting everything to themselves. They could take a whole lot of your money in the 30 days it takes for you to get a monthly bank statement or they could simply change your address to theirs so you never get a statement.

And of course never ever let anyone have remote access to your computer because 99% of the time that is part of a scam. Whether it’s to “fix your computer” or give you a refund, or research a purchase you didn’t make, it all just a scam.

 

[fyrffytr1]

I use online bill pay from my bank but only put enough money in that account to cover my bills. My other dollar goes into an account at another bank for my personal use!

 

[pepperj]

I would suggest you don’t type that into your search bar. Lol

Control/Alt/Delete that one, thanks.
I just realized that putting in a 3x is bad.

 

[smokeythecat]

Some of us would have never even had a site like that come to mind.

 

[HunterMF]

I use my bank for most of my bills, I have a separate account that I put all my "bill" money and it is automatically taken out. I always put a tiny extra in also as backup just in case. It adds up after a while, so if I ever lose my job, the money will cover me for a few months atleast.