I spent 5 dollars which isn’t a whole lot but I’d like refund, do I talk to HR? The only problem I have is that I paid with a credit card so while I have proof of the transaction I don’t have proof of buying that specific sandwich but I did take photos.

Hi! I’m looking for some advice, I just got an email from credit karma stating there was a hard credit report ran. I logged into my credit karma and it’s from a bank I’ve never heard of in a state I’ve never been to (Barclay’s bank of Delaware). After a little looking it said to dispute through trans union, but i can’t as i’ve never had an account with them. I only have student loans that my parents took care of for me prior to college, and a credit card I just got a few months ago through the same bank i’ve had since my first job. I’ve never applied for any loans or anything, any advice would be appreciated! Edit: the auto mod told me to include more info about my credit but i have very little knowledge, idk what a vantage vs fico and all this is. I know the number on my bank app is usually a little higher than credit karma and those are the only 2 ways i’ve ever seen my credit score.

I am not the OOP. The OOP is u/ElectronicMoon1676 posting in AskALawyer
Likely Concluded as per OOP
2 updates - Medium
Original - 13th May 2024
Update1 - 15th May 2024
Update2 - 23rd May 2024
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Mother wants to legally force me to live with her even though I am 39.
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So my mother (60) has always had a flair for dramatics and will convince herself of things that are just not true, and of course her brothers (my uncles) think it’s hilarious and will get her worked up even more, while making fun of her for being so gullible behind her back. I cut her out of my life 4 years ago. We are in Michigan. Someone I trust in the family came to me with concerns that my mother may lie to try to get conservatorship over me.
Here is what I know. Her current belief is that I am an unemployed alcoholic living in my car and being taken advantage of by evil men from the political party that she hates. This is not true. I have a place, pay my bills and had a full-time job last time we spoke. I did leave that job but I also returned to school full time on GI Bill, which includes a stipend for living expenses, and found a sweet part-time job, in an air conditioned office, on campus. As far as I know she has no idea I am back in school and I haven’t told anyone in my family, even the ones I trust, what is going on in my life.
Problem is that she lost her job of over 20 years during a mass lay off sometime since we last spoke. These new coworkers haven’t known her long enough to recognize how she doesn’t keep her stories straight or how she flip-flops things around. Basically she has led everyone she works with to believe I am only in my early-mid 20’s and haven’t quite finished my “teenage rebellion phase”, and she is a good mommy who just wants to save her baby from the evil political party.
They have all been “helping her with “research””, and believe because I have a disability rating from the VA, it means I am mentally incompetent. It does not at all mean that. Now I am positive that none of them actually understand how a VA disability rating actually works, my mother likely lied to them about it. Her new friends believe she can have me declared incompetent, force me to live with her for monitoring, and finally take control of my finances thus getting control of my disability payments. I have an 80 rating which is currently just under $2000 a month.
My concern isn’t that my mother could prove I am incompetent but it’s that she could use court proceedings to get a hold of my address, school, or work place. I guess my question is about rules of discovery when it comes to conservatorship cases. Can my mother or any lawyer willing to take her case on actually get ahold of my personal info I don’t want her to have?
If I provide courts with documents proving my competence and ability to care for myself, do I have the right to ask the court to seal or redact any information or documents with info I don’t want her getting? She sabotaged me going to college around 20 years ago and I don’t want to go through that again. I am assuming that the first person I would ever have to deal with would be a social worker, and I want to know if I have any legal recourse to prevent the social worker from sharing my info with my mother?
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Comments
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530_Oldschoolgeek
See if your college has some kind of free legal aid service they can direct you to, and explain this to them. They might be able to point you in the direction to get low cost or free legal services so an attorney can send your mother a cease and desist letter along with filing for a restraining order in such a manner as to not disclose your current whereabouts.
They might also have other ideas that will curtail any attempt by her to try to put a conservatorship in place.

OOP: I just checked and they don’t. But, silly me forgot, the VA clinic in my city has a social worker on site. I used her once for a medical power of attorney. But I bet she could either help me herself or get me to the right resource.

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Stunning-Interest15
Not a lawyer, but they pay me a shit ton of money to handle stuff like this as a private investigator. Here's my take.
Yes. Her lawyer will hire an investigator to find all of your information. They will pay online databrokers for your file and they will get WAY more than your address. (Everything. They will get everything. If you fucked up and said that thought you didn't want people knowing about, they will find that out.)
Any of that information that can then be found on Google is a public record since it's already on the public Internet. Your address is almost certainly among that data.
No court can sanction public information. Even if they could, the internet is forever and it's already out there.
So, bad news there. The good news is that you're a grown ass woman and the courts are not going to give her a conservatorship just because you have PTSD. You are in no danger of anything other than your mom showing up on your doorstep unannounced.

OOP: How likely are lawyers and private investigators to take on someone without the ability to pay. Do they have the ability to check credit scores. My mother is terrible with money. My brother confessed to me that she “sold the house” she bought with her third husband a little while after their divorce. By brother insinuated that she was in a bad way with money. I know that when I was 20 and she was 40, I had a better credit score than her. I went to buy a used car and she said she would have to co-sign cuz I was too young to have a good credit score. Turned out I got a better rate without her co-signing. Makes me wonder how bad someone’s credit has to be that you are detrimental to a loan as a co-signer.

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Update - 2 days later
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I tried to update the original post and couldn’t, and the update comment I left got buried at the bottom.
Backstory: Mother wanted me declared incompetent to gain control of me and my veteran disability payments.
So I talked with another family member who confirmed what the first said. Everyone is angry because I wasn’t suppose to find out what happened because “they were handling it”. I refused to tell who told me, which is causing more anger but whatever. So this situation had resolved itself last week. My mother was talking a big game about how she was calling lawyers and Adult Protective Services. After a few days she started trashing on all lawyers and saying that APS was wasting taxpayer dollars.
Apparently she has forgotten all about this whole mess. Her job got a new summer internet and my mother is obsessed. Every conversation anyone has with her is about this guy. My poor grandma has to have no less than a one hour conversation with my mother everyday about this guy. The guy comes from a lot of money, which in the end was what I think she wanted with me. This guy just turned 20 and my mother is 60.
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Comments
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homer_lives
That sounds like a win for now. Most likely, APS "laughed" her out of the room. I would avoid contact since she sounds Manic, going from one scheme or idea to another.
shhh_its_me
Sounds like Mom needs a guardian
DredgenCyka
If I had a nickel for everytime I heard of someone's mom trying to force their 100% VA disabled veteran son or daughter to live with them by declaring them incompetent for self care, I'd have about 25 to 30 cents. It's just weird that it's happened that many times, and it's sad. Stay away from her, and thank you for your service!
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Update - 8 days later
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TLDR of my previous post was that my mother wanted to have me declared incompetent so she could get control of my veteran disability payments and force me to come live with her. I went no contact like 4 years ago. Her plan was to make up wild stories about me and it didn’t go her way. Now she is obsessed with this new intern at her job that comes from money, and seems to have forgotten all about her plan.
I was able to squeeze in meeting with the social worker who works at my VA clinic. I gave her the run down and even showed her my two previous posts. She thought it was kinda funny. She informed me that if a state SW were to be informed of a veteran in a need they would reach out to the VA and she would likely be a first point of contact.
She said that no one from the county or state has contacted her about me yet, but she would make a note. Apparently, the whole Britney Spears conservatorship has made a lot of people think it’s super easy to get conservatorships. She said some people think they will get paid a lot of money to do it. Her best guess is that if my mother did call, it was explained to her how complex the process is and that I would be guided to the VA to receive treatment first, before declaring me incompetent. She did agree with many of the comments that said my mother could find me pretty easily if she really wanted to.
The SW use to work at the state office and while she didn’t work at adult protective services but she had friends and coworkers who did. Money seemed to her to be a really big factor in how hard people fought to get conservatorship. She was surprisingly compassionate towards my mother and said sometimes parents just get worried and worry makes people do stupid things. She said some parents have a hard time adjusting to their children becoming adults and moving out.
Sometimes it’s because they are losing child support, or they’re losing the person who did all the chores, or because they just don’t want to face reality that their baby grew up. And these parents will lash out at the world instead of accepting the truth. She told me about a case a friend of hers had where the parents of an adult woman who had moved out couldn’t face reality. Her parents had been relying on her to do all the housework and raise her brothers. With her gone, everything fell apart at home.
These parents blamed their daughter who had moved out instead of taking responsibility for their own lives Her friend was so stressed by the case because she got yelled at by the parents almost daily about how the state needed to force their daughter to move back in with them. They never got their wish and almost lost their other kids. A grandparent found out what was happening and stepped up to set the parents straight.
Someone had messaged me saying my post was blowing up on social media and I went looking for it and couldn’t find it. They pointed out my family could see it, but I’ve decided I don’t care if they do.
So basically, if my mother really wants to find me she can, but the conservatorship isn’t that easy to get, and I know my mother well enough to know she doesn’t have the patience, or money needed to pursue this anymore. Also there seems to be a lot of rules surrounding conservatorship that I don’t think my mother would have liked following. So I should be good for a while.
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Comments
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OOP in response to a deleted comment (presumably about the intern)

A far as I know he still works there and she is still obsessed.

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DredgenCyka
You should still remain in No Contact with your mom. This will still make it difficult to gain conservatorship over you. I also don't think the VA hospital will pronounce you incompetent at all unless you lost limbs or went into a vegetative state from a concussive blast, in addition 100% Disabled ≠ Incompetent to manage youre own life. Hopefully, the VA will become an advocacy group for you, im also pretty sure the VA offers lawyers to their veterans. You can ask about that if your mom steps out of line.
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I am not the OOP. Please do not harass the OOP.
Please remember the No Brigading Rule and to be civil in the comments

So my salary is AED 4600 , I want to apply for a credit card , mainly i want one for cashbacks and other rewards , but since all the banks have a min salary requirement of AED 5000, I am not able to get one , is there any way to do that

Debit/Credit Cards Accepted No Closing Costs Cash Price: $19,500 Finance with $1000 Down and 84 Payments of $275 Per Month 

Hi, so i have saved up just enough steam credits by selling cards and stuff to buy either skyrim SE or assassins creed unity, both are same price. But i am having a hard time deciding on which one to buy, i am a big fan if both bethasda open world games and the assassins creed series, pls help me pick.

What is the reason for this? My credit card has over $13,000 available credit, but less than $3,000 available cash. Why can’t I use more cash? Is this common for all credit cards?

Hello, just wanna share my very long journey in receiving my first ever unsecured credit card. For context, I am one of those na palaging declined sa mga credit card applications sa mga banks.
I started my credit card journey last year July with a secured CC from BPI. Isa ako sa mga taong ayaw kumuha ng credit card dati since baka mabaon sa utang. I just decided to get one last year para maka build ng credit score since need ko rin mag apply ng bank loan for house improvement. Declined ako sa lahat ng banks na inapplyan ko kaya I went for the secured CC route. Kay BPI ako nag apply since dun ako may savings and payroll account.
Fast forward after 6 months, I started applying ulit for a regular CC with my BPI CC as reference. Security Bank, UB, MetroBank - Declined pero etong RCBC ko is na defer lang since nanghingi ng additional requirements.
Jan 16 - Applied for RCBC CC Jan 30 - Deferred requesting for 1 month payslip and COE Feb 5 - Submitted requirements Mar 1 - Deferred again but now requesting for Employment Confirmation and Accomplished Signed Application Form
HR already replied na dun sa email for employment verification pero a week after, nag text ulit na deferred yung application ko. So nag resubmit ulit ako with screenshot of email proof nung reply ni HR. Then another week after, deferred ulit sya asking for the same requirement kaya itinawag ko na sya sa CS na nakasubmit na ko and verifying if nareceive ba talaga nila sa end nila yung email.
Mar 26 - status is now for evaluation
Then every week lagi ako nag fofollow up kay RCBC same same status sya. Gusto ko sana sya magamit nung nag SG trip ako para easily ko ma reach yung spend requirement kaso lumipas na yung trip wala parin feedback.
May 12 - received a text na approved na yung application ko
May 20 - delivered sya sa home address pero nasa Bangkok naman ako so di ko pa sya ma activate
May 29 - kakauwi ko lang from Bangkok and finally activated yung card. Double yung CL nya from my BPI CC
I’m really happy na finally may nag tiwala na rin sa kin na bank after all those months na puro declined yung application ko. I applied for RCBC Visa Platinum pala para sa lounge access and miles earning (as a frequent traveler) pero Flex Visa yung dumating. Still happy parin tho. Aabot din tayo sa Platinum cards one day.
Sorry for the super long post pero super happy lang talaga ako. Akala ko habang buhay na ko trapped sa secured CC. As for my BPI CC, paabutin ko muna sya ng anniversary before ko irequest yung holdout release. If ever madecline yung request ko, ipapaclose ko na sya.
Yung mga madalas din ma decline sa mga applications nyo wag kayo mawalan ng pag asa. You can build your credit history first with a secured CC and after at least 6 months pwede na sya gamitin as reference.

So a few years ago before I realized what narc parents are I bought my dad and myself the same watch. There wasn’t an occasion but I just wanted to thank him in general for being a good dad. Man I was in so deep it’s embarrassing. I so badly just wanted his approval. He’s always loved nice watches and over past 5 years I’ve also gotten into it. I figured it was something he would be so proud of and enjoy .
It was at least 6 months later when I just casually asked how he’s liking the watch. I had yet to see him ever wearing it. His first comment after 6 months was some random complaint about the clasp. I have the same watch and never had any trouble but whatever, I didn’t say much to that. Over the next year I’ve visited him every 3-4 months. Next time I see him I ask about the watch and he again says something about the clasp and how the watch is in the bank with his other watches. Again I just kinda note it but leave it at that.
Last weekend , about a year and half after I bought him the watch he just hands it back to me saying ahh I don’t wear watches anymore so might as well take the watch. I ask him what am i gonna do with it since I have the exact same watch. He was kinda defensive and made some small complaint again.
I just couldn’t let that go and told him , you couldn’t even fake it? , and that if I was given a gift like that in my older age (he’s 79) that would be the only watch I wear and would want to be buried in it. He says he def messed up and his bad but still gives me the watch back lolI went and read a bit about how narcs are with gift giving and his reaction was pretty common. The worst part is he will play victim card bs and randomly mentions how I didn’t get him a retirement gift or bday when he’s literally never done that for anyone. So I told him I’ll be selling both watches and there’s no longer any meaning in them. He just seemed relieved he didn’t have to be done with all that and just asked so we still good ? I’m like yea sure and started looking for places to sell them.
I’ve developed a thick skin to his narcissism but realizing who he is has helped me give him no attention and to just keep it in my head and give him no supply.

I’ve decided I want to get a credit card that we will use to pay majority of our bills from each month. I mainly want to do this because I was thinking it would be good to start getting points or some other loyalty / spending bonus for paying bills this way.
I don’t even really know what points I’m looking for tbh. Maybe point to use for flights or dollars back that’s kinda similar to the flybuys or Woolies cards.
Looking for credit card options in Australia too.
Any recommendations would be great thanks. With the current cost of living I’m just trying to find new ways to be thrifty or already feel like I’m getting some bonus for paying all these bills 😅
Thanks

Hey guys just wondering if this happened to anybody else. Stayed at the linq couple weeks ago, signed up for a ceasars rewards players card. Today I receive a letter saying my Ceasars Rewards Visa application did not go through because I have a credit freeze, thank god.
Thing is I never signed up for a Ceasars Visa card. Only the rewards players card. Called the issuer, Comenity bank and they did confirm somebody signed up on May 19th which is one of the days I stayed there. Very confusing, as I did not sign up for a visa at The Linq and I for sure did not give them anything with my social security number.
Sounds like somebody at The Linq rewards is sending in Visa applications somehow?

I am looking to get a credit card to pay for driving school. I'm planning to pay the full balance with some money I get later in the year but I'm hoping to enroll soon to beat the summer prices. The driving school tuition is 270000 yen but it seems most credit cards I see recommend online only start around 100000 yen credit limits.
This would be my first real credit card after living here for almost 3 years. The only credit I have is a paypay card. I'm not sure if that limits what cards I should look at.

Hello! Ask ko lang kung goods si Maya for paying my bills kay UB credit card, also pano ako magbabayad if i have straight payment and installment terms and i want my installment to be paid? may reference number po na nakalagay dun sa installment ko pero wala sya dun sa pay bills ni Maya.

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They advertise low cost flights but call you back after you pay and book with them and say that the flight is restricted and overbooked and try to get you to get a highly marked up flight. They refuse to give refunds but instead give you a "Credit" you can use to "book through them within a year" Which is false.
This was my case below if you're interested.
So, I found this site through a booking site. Saw a 1 way economy flight from my town for $298. I went through them, finished the purchase and within minutes I got a call from a "supervisor" Letting me know that there was something wrong, that the ticket I paid for was actually not an econ flight, that it was a "Restricted economy" despite there being no warning on the site about it. I asked what "Restricted economy" meant, he explained that it meant it wasn't a ticket, and that I was a standby for the flight because it was "Overbooked". He proceeded, without inquiry, telling me about other options that were OVER DOUBLE the price that I had already paid in order to continue through the airport I thought I was already booked for as well as slightly cheaper options in other airports. I said I did not want another more expensive flight. Nor could I go to another airport, because of lack of transportation. I asked if I could just get refunded because the issue was on their end for allowing me to book an overbooked flight. And given the fact that they called me immediately after, they had to have known about it. He said they do not offer refunds, though a credit of the $298 would be added to any bookings made through them within a year period. Feeling already scammed, I decided to eat the loss and look at rental cars to drive, one way, to my destination instead and maybe use that credit eventually. With no luck, it became more and more likely I would have to fly. Without wanting to pay even more money trying to book through someone else. I figured I would just go ahead and use this credit. I called them back a couple hours later and was again directed to this same supervisor. I told him that I wanted the cheapest flight in the next town over because I could not find a rental car that would allow me to travel that far one way. He found a match and began telling me how much it would be, "$549". He said he sent me some emails to confirm. I was floored by this price as it was even more expensive than the initial payment. At this point I told him I wanted to wait to go through with it because I wanted weigh other options and asked if I could call him back (given the fact that I was already scammed out of $298 now being faced with paying even more money..) He began getting frustrated and asking me questions as to why and then saying that its too late, that he already submitted everything and already booked the flight. (Within a minute) He sent me an email with the price and he said you need to respond to the email with confirmation to confirm your name is spelled correctly. I asked how it was possible for it to have already been processed if I haven't even confirmed anything yet with him and it doesn't make any sense? He said I confirmed it when I called him and told him to book the flight in the next town over. Though, I never told him I was satisfied with the pick OR the price. He proceeded with "What doesn't make sense is you call me and tell me to book the flight and now you don't want it after I book it", stating how he went out of his way to do this for me because it was the last seat on the flight and that he got me a good deal, being really argumentative. I told him that I didn't feel comfortable confirming anything through email yet because of the first interaction where they took my money for a flight, but didn't even get a ticket, and how would I be sure if he wasn't going to pull the same thing and not give me a ticket for the flight. He got even more defensive saying he's trying to help me, that its not like that and that he's a supervisor that he's not hanging up the phone on me and that I need to send a confirmation email because I would not get refunded and was already charged and if I didn't I would not get the ticket and even went as far as saying "this phone call is recorded if anyone is going to be in trouble for not confirming its you because its already processed because you told me to". At this point, there was a charge on my card of $188 from Alaska air lines. Knowing I was already getting charged for something, and with what he was telling me, I was pressured into just sending an email saying "Please proceed" (Probably a huge mistake) As he asked. After I sent the email he asked for, he provided me with the rest of the flight information, that was screen shotted, cropped and put into his personal email to me. And was soon charged the $360 difference to my card. I was incredibly displeased and began to wonder why that only went through after I sent the email. I continued on the phone with him and I asked him if this was the actual ticket and he said that I could confirm it if I wanted. And to prove to me that it was, asked if I wanted to see the email directly from the air line. I did, and so it was sent, along with the receipt of the flight... $188... I asked why it was $188 and not the $549 he quoted me. He got defensive again and claimed that it was because my credit was applied and such. He tried to assure me he was working in good faith, and even gave me a "coupon" to use them again. As to not seem shady... He really wanted me to feel like I wasn't scammed and kept asking if i was satisfied that i got the ticket. I kept responding with an unenthusiastic "Yeah, mhm" to all the bull crap he was giving me. Which was probably another mistake. After the phone call looked for myself at Alaskan airlines. The tickets were $188 and had plenty of seats for that flight... So not only was my credit NOT applied to the ticket, but It was cheaper than the first flight I booked. I canceled the flight and filed a dispute and locked my card.
I went to write a review and after it was finished I looked at the rest of them. It seems like they went through the same thing. Booked a cheap flight, got a call after saying they were overbooked and couldn't give a refund, talked them getting into a more expensive flight. And when they tried to dispute it, they claimed they agreed to the service. Which is why I feel like they tried to get me to email them with confirmation and why he mentioned recording me asking him to do it. And probably why he tried to get me to say I was satisfied at the end of the call. So that when I try and dispute it, they can take it out of context to win the dispute. I hope this doesn't work..
I am usually pretty good about not falling for scams. But it was the right place at the right time. I am strapped for money, and urgently needed a flight. On top of that, it was my first time ever booking a flight. I just wanted to warn people.

Hi all ask ko lang nag message ako kahapon sa bdo online banking to request an increase limit 25k to 40k standard mastercard sure po ba na ma approved yung request ko lagpas 1 year na din ang credit card ko ngayon lang ako nag request to increase my cc limit mga ilang days po kaya sila mag rereply about sa request ko thankyou po sa mga sasagot

Looking for advice or any insight.
I’m $45k in credit card debt. Plan to meet with a lawyer and talk about filing for chapter 7 bankruptcy as soon as I can. I’ve been unemployed since January and just doordashing since while I apply to literally every job on indeed everyday. So my car is pretty vital to me at the moment. The thing is I have my car loan through my credit union which I also have a credit card at that I’m going to stop paying on when it comes to meeting with a lawyer.
I’ve read about credit unions completely cutting ties after BK. I have already changed my checking account over but my car loan is still there. I’ve only had it for a little over a year but I’ve never missed a payment and I have about $2k in equity on it. I would reaffirm if it comes down to that but I fear the credit union won’t even agree to that they’ll just close my account and repo. Should I try to refinance it somewhere else that is more likely to let me keep it after BK? I know I’m going to take a hit on the interest rate but I’m desperate to keep the car.

I have a love hate relationship ionship with this woman. She wants a credit card to buy tampons but doesn’t want the shoes her husband bought her. She wants her kids to live with her, but only takes commands from her dog. She’s too good for microwavable food and left over fecal matter in a toilet but can walk barefoot in Michigan. She’s classy but can throw a perfectly good avocado smoothie that could have been a nice face mask … what gives