{“type”:”text”,”text”:”This is Steven Chayer with the DisputeVoice Consumer Protection Minute. If you’ve been scammed, suspect fraud, or want protection? You’re in the right place.\n\nListen up, because ACH fraud is like termites in your financial house – by the time you see the damage, they’ve already eaten through the walls. Here’s what you need to know right now.\n\nFirst, check your bank statements daily. I mean it. These unauthorized ACH transactions start small – five bucks here, ten there. They’re testing the waters like a kid sticking their toe in the pool. The minute you see something fishy, call your bank immediately. You’ve got sixty days under federal law, but waiting is like letting a leak turn into a flood.\n\nWell, I’ll be cow-kicked – most folks don’t know banks must investigate within ten business days. If they don’t? They have to credit your account while they figure it out.\n\nSet up text alerts for every transaction. Yeah, it’s annoying getting pinged for your morning coffee, but it beats waking up to an empty account. And here’s the kicker – change your account numbers if you’ve been hit. It’s like changing the locks after someone steals your keys.\n\nThis has been the DisputeVoice Consumer Protection Minute. Remember, friends, scammers rely on victims’ embarrassment to stay silent while they find their next targets—your friends and family. Don’t let them. DisputeVoice publishes their names and evidence online, ensuring the facts appear prominently in Google searches. Check out DisputeVoice.com for the latest posts, and watch for us on the frontlines of consumer protection.”}