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Questions Answered by Matthew McKenna
2 Answers | Asked in Consumer Law, Identity Theft and Banking for California on
Q: How can I get a bank to give me back my money after I been in a identity theft
Matthew McKenna
Matthew McKenna
answered on Dec 16, 2024

You should immediately dispute the issue with the bank (and preferably in writing). You'll likely also want to complete a police report to give to the bank to verify the identity theft and respond accordingly if the bank asks for any follow up information from you. Keep track of everything on... View More

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1 Answer | Asked in Consumer Law for Colorado on
Q: Geico added a "undisclosed driver" to my policy despite me not knowing this person and increased my insurance premium.

I filed a complaint with the Insurance Regulatory Agency and received a very nasty letter saying I was responsible for the "services provided" to this person I have never met and does not live in my house. Geico told me to provide proof the person had insurance, which clearly I cant... View More

Matthew McKenna
Matthew McKenna
answered on Dec 10, 2024

I would ask Geico what consumer report that information came from and then contact the company to get a copy of that report. Sometimes insurance companies get this information from Lexis Nexis but could be somewhere else. The CFPB has a list of some consumer reporting agencies:... View More

1 Answer | Asked in Consumer Law and Identity Theft for Virginia on
Q: Honda Financial attached my SSN to someone else's loan

No details regarding amount, if in state or not and they told me "We don't know if this is really you." After freezing my credit, submitting a report to the FTC, Honda Financial & taking time off of work to file a report with Local Law Enforcement, they still would not provide... View More

Matthew McKenna
Matthew McKenna
answered on Oct 2, 2024

I would certainly recommend contacting a consumer protection attorney as soon as possible that will offer a free consultation. It appears that you disputed this information with Honda Finance but I would also recommend disputing the information with the credit bureaus. You'll want to send the... View More

1 Answer | Asked in Consumer Law, Banking, Business Law and Small Claims for Illinois on
Q: I disputed a transaction involving 2 charges with my credit card co. A credit was given for 1 charge but not the other.

This dispute involved the same set of facts and documents. Since it involved 2 charges, 2 separate reviewers were assigned to my dispute. One reviewer granted a permanent credit for 1 charge. The other reviewer closed the dispute for the 2nd charge without a credit and said I was responsible for... View More

Matthew McKenna
Matthew McKenna
answered on Jun 13, 2024

I would contact a consumer protection attorney that is familiar with the Truth in Lending Act. Depending on the circumstances, you may have a case and a consumer protection attorney will likely offer you a free consultation and may not charge you anything up front if there is a case to bring.

1 Answer | Asked in Consumer Law, Identity Theft and Small Claims for Iowa on
Q: I was scammed out of $900 at my bank. Does the bank have to reimburse me ? They also took an online loan out in my

These people pretended to be my bank and called me saying my account was compromised. Said they would move my money to a secure account and they verified info. Needless to say, I got scammed as they made several charges on my debit card and even took out a loan on my account. Idk why my bank... View More

Matthew McKenna
Matthew McKenna
answered on May 14, 2024

I would consult with an attorney familiar with the Electronic Funds Transfer Act. Your ability to recover may be fact specific and will likely be tied to your dispute with your bank. If you haven't disputed the transactions with your bank yet, do so immediately. I would make a written dispute.

1 Answer | Asked in Banking, Business Law, Consumer Law and Contracts for Texas on
Q: BCHAPTER III - CREDIT REPORTING AGENCIES Sec. 1681i - Procedure in case of disputed accuracy.. how to check

I might have a case for this but I wanna make sure...

Matthew McKenna
Matthew McKenna
answered on Apr 26, 2024

In order to get procedures from a credit reporting agency, you'll likely need to sue them and ask for the procedures in discovery. They will likely only hand them over under a protective order. I would contact a consumer protection attorney that is familiar with the Fair Credit Reporting Act.

1 Answer | Asked in Consumer Law and Identity Theft for Michigan on
Q: My identity was stolen and someone used my info to open a credit card account with chase bank in October of last year.

Today I get an email from att that says that att has determined some of my information was compromised.

Can I sue att for not having the right tools to guard my personal info?

Matthew McKenna
Matthew McKenna
answered on Apr 16, 2024

Contact a consumer protection attorney that will offer a free consultation. Happy to talk.

You’ll want to dispute the account with Chase, as well as with any credit reporting agency that is reporting that account on your credit report. You should be able to pull your Experian, Equifax...
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1 Answer | Asked in Consumer Law, Contracts and Banking on
Q: My boss has gotten txt messages about my private credit card twice now bank denies any legal action I can take?
Matthew McKenna
Matthew McKenna
answered on Apr 5, 2024

If it is the bank that originally loaned the money, it will likely depend on your state's consumer protection laws. If it is from a third party debt collector, it is likely governed by the Federal Fair Debt Collection Practices Act. I would consult with a consumer protection attorney as many... View More

1 Answer | Asked in Consumer Law and Real Estate Law for South Carolina on
Q: I had a timeshare. I recently hired a layer and got out of it. Now my credit is ruined. Anything I can do?

I didn’t find out about my ruined credit until the lawyer had closed my case and I went for a home equity loan. The late payments only show when they are doing a credit check for real estate. I bought a new car with no problem. Now I can’t fix my house and sell it to move closer to family. I... View More

Matthew McKenna
Matthew McKenna
answered on Mar 15, 2024

There's a possibility that this timeshare company was only reporting to 1 or 2 of the credit bureaus and the auto loan company only pulled credit reports from 1 or 2 of the credit bureaus (or have different guidelines for approving a loan such as using the "middle score") but when... View More

1 Answer | Asked in Consumer Law and Identity Theft for South Carolina on
Q: A card was linked to my cash app card unauthorized. 16,566 was stolen. Cashapp keeps denying 5he claim. What can I do?

My home burned down and i got an insurance check deposited to my cashapp account. 2 days later 16,566.71 was transferred to a card i didn't authorize to be linked to my card. I have disputed the unauthorized card and transfer 5 times and cashapp keeps denying my claim. I have done everything... View More

Matthew McKenna
Matthew McKenna
answered on Dec 16, 2024

Contact a consumer protection attorney to review the situation and the documents you have available.

1 Answer | Asked in Consumer Law on
Q: How to get false information off of my credit report

I had a car loan with Credit Acceptance starting in Feb of 2020. I refinanced my car in November 2022. Now they have reported an open car loan over 90 days late. Experion said they have recorded the loan closed but can’t do anything about the 90 day late claim which is false. I really need a... View More

Matthew McKenna
Matthew McKenna
answered on Jun 7, 2024

You can contact a consumer protection attorney that is familiar with the Fair Credit Reporting Act. You'll want to check with your new loan company to ensure they paid the old loan off timely.

1 Answer | Asked in Consumer Law and Banking for Florida on
Q: Unauthorized charges on my debit card and banks fraud department says they aren't fraudulent, but I didn't make them.

The returned the provisional credits and have not been able to provide me with documentation that shows I made those purchases. I get a letter stating that my card and pin were used...I filed a police report but after refiling and reappealing I am stuck with almost 1000 in these charges.

Matthew McKenna
Matthew McKenna
answered on May 8, 2024

Contact a consumer protection attorney that is familiar with the Electronic Funds Transfer Act. Also, keep track of all disputes you have made and the bank's responses.

1 Answer | Asked in Consumer Law for Georgia on
Q: I received a threatening letter from an attorney for CashNetUSA. I responded and explained my situation.

They told me they would file a warrant to have me arrested in 24 hours if I didn't pay over 2k. This is the 3rd or 4th different lawyer to reach out. I realize that I should stop responding. Is this a scam? I am getting that vibe now.

Matthew McKenna
Matthew McKenna
answered on Apr 30, 2024

Without knowing more, it sounds like a scam. This sounds like a common scare tactic that is used by scammers.

1 Answer | Asked in Consumer Law and Collections for Utah on
Q: Debt collector gave me fake account number and said I owed an amount that was less than I owed what do I do ?

Debt collector gave me fake account number. original clinic said that the account number they gave me isn’t the one they have on file. The clinic gave me the actual account number that the collection agency has. I then called back the collection agency and then said that account number and it... View More

Matthew McKenna
Matthew McKenna
answered on Mar 17, 2024

Get in touch with a consumer protection attorney and see if they will offer a free consultation. Make sure to keep all potential evidence you have available for the attorney to review.

2 Answers | Asked in Consumer Law and Landlord - Tenant for New Jersey on
Q: My former landlord is sending a debt collector after we reached a settlement with the court and my case was dismissed.

My former landlord brought an eviction case against me. We brought a settlement to the court and I paid the money that we agreed upon. So no judgement was ever entered against me and the case was dismissed. I have already vacated the property.

Now he's claiming there's still a... View More

Matthew McKenna
Matthew McKenna
answered on Mar 14, 2024

Contact a local consumer protection or debt defense attorney. It might come down to the actual wording of the settlement that was reached.

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1 Answer | Asked in Foreclosure for Wisconsin on
Q: My 91yo mother in law was sued & a lien/foreclosure put on her house by a condo assoc. she’s not affiliated with.

Her house has been paid off for about 15 years. Now she has people constantly calling her and coming to her house to “help” her. Is there any recourse she can do?

Matthew McKenna
Matthew McKenna
answered on Mar 14, 2024

I might recommend having her reach out to an attorney that deals with debt related issues. This could be a debt defense, foreclosure defense, consumer protection, or bankruptcy attorney.

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