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Is this happening right now or is it a pattern?
The first 90 minutes look very different in each case.
Right now. Active fraud or account compromise.
Pending transfers, account just hijacked, scammer on the phone with them. The bank can stop money in motion if you call now.
An ongoing pattern. Already-stolen money, neglect, suspicious caregiver.
The damage is in the past or rolling. Adult Protective Services investigates and can intervene. Bank steps still matter, but later.