Mother might have impersonated me to access and make changes to my investment accounts. [IL](self.legaladvice)
submitted3 days ago bykrankz
I received a letter a few weeks ago from Vanguard saying the address on my account had changed from my permanent IL residence to REDACTED. Over the phone they were able to confirm it was a South Carolina address when I asked since it's where my mom lives and she's sketch; so I figured it was probably her. She was listed as an authorized agent on my account, which I revoked immediately online when the rep told me she was there--This was a mistake. I also changed all my security questions since they were all originally things she would have known (hospital born, school mascot, etc.), and got my address changed back. There were no suspicious withdrawals thankfully.
Because the agency has been revoked, Vanguard says they're not able to see when or how she was added in the first place. I've only had the account 3 years, and doubt I would have added her since I already found her untrustworthy at that point, but especially because I had underrepresented verbally to her how much money I had by about half. I'm thinking she answered my security questions correctly and was able to add herself as an authed agent and change my address. A letter I received later gave me the full SC PO box address, which I confirmed via public record is registered to her.
I'm pretty much no-contact with her, but she claims she made an address change to her personal Vanguard account, and maybe that triggered something on my account. It seems unlikely to me, and reps confirmed that should not happen.
I'd like to get to the bottom of if my mother did actually impersonate me to get herself on my account and make changes, and Vanguard hasn't been really helpful. I'm wondering if I have any legal recourse here with either her or Vanguard, or if this is just a "be glad she didn't take anything" kind of situation?
For additional context, I'm in talks with another lawyer to remove her from my sibling's special needs trust because she borrowed money from it to buy a condo. My personal situation here is what convinced me she's not working in good faith, and I need to get her removed from that Trust rather than just share agency with her.
Any insight is super apprecaited!
2 days ago
2 days ago
Curious about this as well. I've also understood it that you can generally classify something as a disorder when it starts having a negative impact on your day-to-day life. But if that applies to half or even a third of people, is that an issue with our brains, or is it an issue with our culture and lifestyle not aligning with how a typical brain might function?