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Holliday Ingram Law - Happy Family, buyers agent Justin Ruzicka

Holliday Ingram Law

(3 reviews)

One of the processors had their account compromised, resulting in all information related to our…read moreloan being transferred to hackers. The hacker, posing as the processor, sent an email to me, the realtor, and the finance officer (each address differed by only one character). The email contained detailed and accurate information about the property, including the address, loan amount, and wiring instructions. The only discrepancy was the cash-to-close amount, which I attempted to reconcile. I went to the bank and, based on what appeared to be legitimate instructions (identical in format to prior instructions from the lender) and the bank processed the wire transfer. I sent confirmation to my realtor while still at the bank, who added it to my documents early Wednesday morning. In the same email thread, I again raised concerns about the cash-to-close discrepancy and expressed my frustration at being asked to complete the transaction the day before with no notice. At no point did the processor (or anyone on the thread - loan officer or realtor) pause to question the inconsistencies or take steps to verify the wire information that was sent. Fast forward to late Friday afternoon - after 3:30 p.m. - when the attorney advised that the wire transfer had not been received. Only then was the issue identified. Fortunately, our bank detected the breach and cancelled the transaction (several hundred thousand $s) before the funds were released. Had they not, the money would have been gone and we would have been left without either the funds or our home. We quite literally ran to the bank before it closed at 4:00 p.m. to resend the wire. As newcomers to Greenville, we were unfamiliar with the area and the urgency added significant stress. We then rushed back to complete the paperwork before offices closed. Cyber breaches unfortunately happen; that is an unfortunate reality. What made this situation far worse was the handling afterward. We were left waiting for 45 minutes while the attorney assisted another client who arrived after us. There was no meaningful apology, no acknowledgment of the seriousness of the breach, and no recognition of the potential financial devastation we narrowly avoided - either for us or for other clients impacted by this processor. The only comment offered was that it was a "Christmas miracle" that it "could have been bad," along with a brief "sorry I was late" upon returning. Based on this experience, I would never recommend this organization despite the fact that they came highly recommended by our realtor.

Great team of people who made closing on a house stress-free and a breeze. I had the pleasure of…read moreworking with Taylor, Heather, Milena, and Judson. Definitely recommend!

AVP Law - willstrustsprobates - Updated May 2026

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