Read the hilarious story about the junkies needlefighting

Look at the talons on this broad. How does she wipe? How does she clean out them poop scoops?

They sold him a used BMW on a 27 year car loan 😮

His great grandkids will be paying off this loan!! pic.twitter.com/f9k8R6v6ZT

— trader (@TicTocTick) September 30, 2024

UPS driver makes $20 per hour. Buys a 4 year old used car for $1000 a month (including insurance).

This is more than one week of his paycheck 😮

What a fool!!

Used car salesman Steve claims victim!! pic.twitter.com/03GgLyQLOq

— trader (@TicTocTick) September 30, 2024

Backstory: Fidelity Investments has some account called a Cash Management Account. It's a hybrid of a brokerage account (account you buy stocks) and a checking account (can write checks, debit card, bill pay). It's been around for a while, but it became a pretty popular tool in the internet personal finance sector because the setup let you earn ~5% of your money at all times. But it's not a real checking account (important).

A few weeks ago, the Chase glitch occurred. But a glitch allowed to deposit a check (stolen or just their own), and instead of putting a hold and clearing it over a few days they got access to the funds immediately. So they would deposit a check for let's say $5,000, and then instantly withdraw the money. Obviously a super r-slurred thing to do with your account, but .

This was quickly fixed, but it caused some to wonder. What if other institutions did the same? Well they do. Banks have been operating on the clear first and ask questions later premise for a while, and brokerages even more so. This has brought to the limelight a type of fraud that's been around for a while. It's apparently coordinated through Telegram, and abuses mobile deposits not ATMs.

This leads into the Fidelity boyz:

It be rainin'

Fidelity was a nice target too since their mobile deposit limit was $100,000. Fidelity last week caught onto this and then decided to implement some combination of these measures onto most of the accounts:

• Reducing mobile deposit to $1,000

• Put 15 business day holds on mobile deposits and ACHs

• Cancel peoples billpays

• Randomly locking accounts

As with most things like this, it's hard to get the true story because you'll see a lot of posts where someone is depositing 30 checks a week and needs to transfer all the money instantly to 5 different bank accounts and then ghost

you when you ask what could they possibly be doing to justify it.

/r/fidelityinvestments mods setup a megathread addressing this and pinned it in the sub. They then answered basically no questions, and then unpinned it

Yep. I hope people look at these post before they think about opening an account with Fidelity. In my case they are holding my funds till 9th Oct (for deposits made on 16th Sept) . I had to make alternative arrangement to take care of my expenses.

The the worst part is that reddit is allowing Fidelity's moderators to delete posts on this issues and redirect us to this "megathread" which is more like a trash bin. Sorry if I sound frustrated as I really am.....

I recently transferred about $3000 into my Fidelity Cash Management account from US Bank on 9/15, and after 4 days, the funds were still unavailable. When I called to ask why, they explained that it was because I had pulled the funds from Fidelity rather than pushed them from US Bank.

They gave me a vague excuse about "industry trends" and "protecting Fidelity accounts" supposedly justifying the excessive hold. What makes this even more frustrating is that customer support admitted they never informed me about this extended hold upfront, and after reviewing Fidelity's terms, I wasn't able to find mention of such a long hold for this type of transaction.

Now, they've told me the funds will be held until at least 10/8. Even after verifying my identity, they won't release the money. While I can still use the money for things like buying stocks and bonds within Fidelity, the lack of transparency and delay in giving me full access is infuriating.

The more I see on this subreddit the more I become convinced the MegaThead is nothing more than a Catch & Kill effort

Nah you're just mad

Hello, my entire Bill Pay was deleted a couple of weeks ago. I was notified by email with no explanation. I have called Fidelity, and they just say that they have been looking into it and they will call me. It's been a week since the my Bill Pay disappeared, and I want it to pay bills as I always have. Help!

Happened last week to me. In my case I deposited a large personal check. The funds had cleared but they still restricted my account as they thought the check was fraudulent or that I wrote it (it was from my mother) they called my mother separately to confirm she wrote the check.

All very absurd but once they lifted the restrictions bill pay returned that same day.

Doctorofcredit thread. A lot of these people were locked since what they do looks pretty similar to money laundering anyway.

With all this backlash, it does make sense that Fidelity is losing some valuable customers.

Self-professed neurodivergent

Daughter of two lawyers

Confused why men ask her what she does for a living on dates, "she's the prize"

Reliant on her parents completely for finances

Finished internship "at a tech company" "program management"

Parents want her to pay her own darn bills (she doesn't), has had arguments about it

Psych degree last year

Internship from March to August

"I enjoy being funemployed" timestamp - uses this word repeatedly

Aspiring social media personality? Plan is to get viral "doing something" so she can start selling merch timestamp

Pays for - utility bills, "some of" food, "some of" nights out

Parents both lawyers timestamp

"You're not gonna get tiktok famous from this show so I hope you're not thinking that." timestamp

"I've been through so much" timestamp

• was called "Miss Piggy" in high school because she was overweight, still seething about it

Didn't give them a statement for the CC timestamp

• Companion card "she knows if I had my own credit card I would be in massive amounts of debt"

• Not sure what the balance is on her card

• Hard cut to baby product ad placement

"Honestly, I just want to be a stay-at-home pilates wife, like not gonna lie, jobs and me do not get along" timestamp

She doesn't know what a CC statement is timestamp

She's missing payments, her mother is on this card too timestamp

Caleb seethes about her blowing at him timestamp

Convo about parents enabling her, mentions a lot of her friends are in the same position? timestamp

She is proud of graduating college timestamp

• really proud of her extracurricular? "cross country, track, a sorority"

• Some D3 university? timestamp

A lot of my scamfluencer friends are funemployed timestamp

• Life coaching, dating coaching, fitness coaching

• She is getting a National Academy of Sports Medicine certification?

CC Statement (4908) timestamp

• $568 minimum payment

• No payment history

• Thinks her parents have been paying? Caleb does not see any payments made at all

• Thinks her mother does not know what her balance is?

• On trips they just "girlmath it on the Amex" ? timestamp

  • "Sister is one of the most hard-working people?"

  • Family is mad at her, arguing over finances

  • Blew her chance at the internship since she didn't get a job offer out of it?

• Crime victim timestamp

  • sexual assault victim?

• Reads out her spending timestamp

• "My dad, I really hope he doesn't watch this because he is gonna flip out" timestamp

• Thinks she spent 1000 total last month, actually it was 7549 [timestamp](

  • There was a hotel fee on there that was nearly a thousand all on its lonesome

• "I don't want to feel like I'm missing out just because I don't have like a cushy job like they do" timestamp

She tries to discuss politics timestamp

• She fails to explain what tax she would want

Owes for a class timestamp

• "Social media package from one of my besties" - aforementioned scamfluencer I assume

• $2'000 - Five strategy sessions how to make captivating content

• "She works in corporate"

"This guy she knows has a large following on Instagram and she paid him $350 and didn't know what he was talking about" timestamp

• Advice on how to run her socials

• Did not get the value she wanted out of it

• 100,000 Tiktok followers

• "How come I'm not able to get followers on tiktok?!"

  • "Because you don't make interesting or engaging content that resonates with people!"

"Was going to do a plant medicine retreat and paid for it and couldn't go because of her medication" timestamp

• I really did want to go to that but I didn't do my research

• Mentions that she is training for a marathon right now

"Everyone in my family has been successful but me, I'm like cursed or something" timestamp

• "I need to go to like ABA [Applied Behavior Analysis] or something"

Has been having medical issues she doesn't want to talk about timestamp

• "Really really set me back in my internship"

Hates the tech industry because the "entitled" guys she's gone out with in the tech industry have made her split the bill timestamp

• "No offense, I would have made you split the bill because I wouldn't have enjoyed the date"

Wants to try and monetize her frivolous spending (through social media) timestamp

Ran a background search on a prospective date to see if he had a criminal record timestamp

Can't stop herself from ordering UberEats

Calls her mother timestamp

• Caleb doesn't talk

• "I feel like you and dad give me too much leniency with my finances" - Cringekino

• Questions about her investment account? "I've been keeping track of the stock that I have"

• Mother is extremely nice and understanding of her fail-daughter

It's one of the cheaper Aman properties because it's in panjeetland. $900/night for the cheapest room.

Most of these "people" wouldn't be allowed in the door even if they paid to stay.

Beginnings of drama, going to get real juicy when amex start canceling bookings. I hope lots of them booked non-refundable steerage flights.

Chekc post history for context.

Dont ban.