Q: Can a merchant deduct money from bank without authorization?
My mother and I have the same name. Due to COVID-19 my mother fell behind on payments, including to a leasing agency. Today I noticed the same agency took money from my account. I never shared any of my information with this company, I’ve never dealt with this company. What can I do? How did they get my information? I am very concerned. Bank has helped but can I Persue this legally? What are they doing to get financial information from individuals?
I am sorry to hear about your mother's situation, obviously she is one of many in our country who are struggling financially right now due to the wide-ranging effects of the virus.
Unless you were a co-signer on the lease, this company has no right to acquire your financial information or debit your account. From the facts you've described it sounds like various consumer protection laws were violated. You should document what has happened and contact an experienced consumer attorney.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.