I have received a debit card from OnePay by mail. I didn’t register for their service. It looked fishy to me, but I called their customer service, they requested my last 4 SSN and date of birth to investigate. I insisted them to check if there exist such an account without that info but no luck. I was hesitant to provide my sensitive info. The card is issued by Coastal Community Bank. Should I call the bank instead? Does anyone have similar experience? Planning to report it to FTC and local police. Have already security freeze on file for all credit bureaus for years. Have also checked ChexSystems report, but shows no activity. But this has happened. Thanks

Hello, I adopted a rescue dog in November. I purchased Fetch insurance in March. They will not cover any anxiety meds or treatment for his anxiety due to it being "pre-existing". Early vet visits mentioned his anxiety . I'm pretty discouraged that this is being held against him. Are there any insurance plans that cover behavioral issues despite it being pre-existing. My vet even argued that my dog has Seperation Anxiety which is a different dx than anxiety and it was still denied.

Looking for advice on what my options are. I'm on a high school teacher salary and never had to seek out an attorney for any reason. Location: Oklahoma Long story short: My home & small piece of land are on 2 parcels that were purchased together. In late 2023 l received notices from the county that my taxes weren't paid. I called my mortgage company since they're the ones that have been paying them each of the previous years we've owned this house with no issues. I got another letter from the county in 2024. I called mortgage company and let them know it happened again. They said we're on it. I left the country for work for 4 months while my wife and kids stayed behind. While I was overseas we got another letter saying my property would go up for auction if taxes aren't paid. My wife called mortgage company again, they say they're going to get it taken care of, not sure what the issue is, but they're on it though. Right before I come home, my wife gets a letter from the county that our property was auctioned off and we have 1 year to appeal the sale. It was only one of the 2 parcels we own that got sold off - a .5 acre plot that's basically my front yard all the way down to the road. After back & forth with county and mortgage co. we found out the issue was that the actual mortgage paperwork that we signed does not list both parcel numbers. We owned both parcels according to the county, but the bank said oh, well we only paid for the taxes listed on the mortgage you signed, not our problem. Problem for them is, the descriptive measurements in the paperwork include both parcels, they just forgot to type both parcel numbers in. Mortgage co. admits fault. We get a letter from them saying that they messed up and are fixing it. Haven't heard anything in a while so called today and was told the last thing written in the notes for my account are from a few months ago that said the company was trying to purchase the property back from the person that bought it at auction. I'm waiting for a response from someone else higher up, but I feel like they're intentionally dragging their feet to get to the 1-year point where nothing can be done. I don't need the "why didn't you just pay it yourself, you're equally at fault" response. I was in Germany and that's neither here nor there; the ultimate point is that the bank admitted it's their fault and are trying to buy it back but it's been almost 5 months and no progress. What are my options that I need to be finding a quality attorney for?

Hey yall I was involved in a rear ending accident last week in Texas and when I called progressive (the information I was given by the person who hit me) they informed me that his policy has not been active for some time. I have now contacted my insurance and informed them of all of this and they are looking into it. Just curious if anybody has ever seen this or seen a fake insurance card? I tried googled and can’t find anything of this sort! It looks very legit. I imagine he will also be in trouble with the police in some way for giving false insurance to them. He already had 2 citations for having expired plates and hitting me. The cop informed me his insurance was good when he gave me the write up but I assume he didnt check as they said it’s not active. It was written up for 3 months from 7/2025-10/2025 which progressive says they do not even have policies for that short of a time. Seeking any advice for anybody who has been through this! I’m assuming I will end up having to file with my uninsured motorist.

Long story short I was in a car accident and State Farm went from saying my car was a total loss , then now not total loss. I didn’t accept it because my car is undrivable. I have been fighting them for months and I am in process for interviewing attorneys.. I lost my job and my home because I haven’t been able to work without a car. It’s been months. I went onto my account today and I saw a check for $2200 it said supplemental payment. I called and an agent that wasn’t my adjuster, because it’s the weekend & she stated that it was for damage from the car accident that they are paying for. My question is if I cash this check in my screwing myself to go forward and suing them for more money and for what the car is worth.? I know that you can cash a check in New York State and reopen a claim. However, I’m not sure about going forward and suing if you accept the money. I know that on a paper check sometimes it will state that you waive your right to sue them in the future. The paper check would include accompanying documentation often with a waiver stating you release further claims by accepting it. However, it is a digital check. I really do need the money so I don’t know what to do and 72 hours to cash a digital check will be up by tonight, I also noticed on my account that the claim is closed and the car was a total loss!? Any advice on what I should do with this check would be greatly appreciated ! Location: New York

Cardiologist ordered a CT for my heart. Pre-authorization approved by insurance but for cost estimate at BCBS website I will still roughly pay about 2K while they will cover about $1600. I have BCBS PPO with $3200 deductible. Would the hospital billing department be able to give me my actual cost before I go through with the procedure. I just don’t want any more surprises after getting hit with a $3K hospital bill for my son’s ambulance and ER TRIP.

I adopted a cat just under a year ago now. She is a domestic shorthair and will be two years old this April. While she hasn’t had any major issues yet, I grew up with family pets and know it’s only a matter of time before I end up with a $1000+ vet bill. I’ve been looking at pet insurance companies and reviews and none of them seem good? Either everyone seems to have major complaints about every single one or their coverage is really weird. I’m still going to get one, especially since I believe my cat is starting to develop gingivitis and as far as I’m aware, it hasn’t been noted by the vet, so I’m hoping it won’t be counted as a pre-existing condition. I was originally interested in SPOT but then saw that a bunch of people said they were a scam, so I started looking into others. The top three I’ve been debating between: Fetch, trupanion, and nationwide. I really like the price and coverage of Fetch, but I’ve seen a mix of both bad and good reviews on them. If anyone has any good/bad experiences I’d appreciate it, especially with cost/coverage changing as your pet gets older. Then there’s trupanion, which I love that they claim to not increase the price as your pet gets older, but I’m unsure about their deductible since it’s per condition instead of annually. It seems great for pets that develop chronic conditions, but maybe not great for illnesses and accidents that I’m assuming would each fall under their own “condition” and thus leave you stuck paying the deductible every single time. If anyone can shed some light on this I’d appreciate it. Last, nationwide was recommended to me by my sisters friends. For around the same price as trupanion, their coverage includes additional things like dental cleaning, wellness, exam fees, etc. I’m just worried about the price hike that might occur as my cat gets older. Please give any recommendations and/or experiences, either with these three or with other insurances you’ve used ♥️

Hello, I have an HSA with Optum Bank that I am transferring to another institution. A couple of weeks ago, I had a phone call with Optum where they had told me to liquidate my investments before initiating the transfer. Right after we hung up the phone, I liquidated all my investments and initiated the transfer with the other institution (Fidelity). I sold X amount of shares of VFIAX at share price of $565.06. A few days after liquidating everything, there was a purchase of shares on my account using my entire account balance, purchasing shares of VFIAX at a share price $567.88. It turns out that my account had a flag named HSA auto-transfer enabled, which is the cause of this. VFIAX has dropped a significant amount since this purchase was made. As of now, it is priced at $530 per share, which will drop even lower today. I am upset because the representative from Optum did NOT inform me that auto-invest was enabled, and my entire portfolio is down about 7% due to this. I just spoke with a supervisor at Optum to see if they can reverse this transaction and they said there is nothing they can do. The only thing I can do from this point is to disable auto-invest and liquidate all my shares for a loss. Is there anything I can do about this? I'm upset that I have to take a loss due to the phone rep not telling me to disable this feature. It's also caused delay on the transfer process to Fidelity.

Okay so my cat is almost 2 yo and has no pre-existing conditions, has a primary vet, and is not spayed yet (Plan to, very soon!) I’m looking for a good insurance that covers wellness (mostly blood test and spaying cost?) for the first year and accident&illness for the following years. I have gotten some quotes and is eyeing Odie and MetLife for that, but every insurance seems to have bad reviews, or some would even call them scams. Please provide me some experiences/takes on the insurance you use for your cat, thanks in advance!! This could be really helpful for me ;)) P.S. the reason I want a wellness plan to cover spaying is because there’s no shelter/low cost spaying availability around me and I want to be consistent with my vet :,) my cat went into heat last week and I don’t want this to come back again so really wanna do it sooner.

Hey guys, State Farm is trying to increase my rates by another $300 per 6 months. Told them I’ll be taking my 19 years of customer service with me. Which insurance has discounts for being a nurse?