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answered on Nov 7, 2025

Banks in the U.S. are allowed to place holds on deposited checks under federal regulations, primarily to ensure the check clears before the funds are made available. The length of the hold can vary depending on the type of check, the amount, your account history, and whether the deposit is... View More

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answered on Nov 7, 2025

Your son, as a U.S. citizen, is eligible to apply for a mortgage in California even while living abroad. However, lenders will consider his U.S. credit history, income verification, and debt-to-income ratio. Since he has been living in Australia since 2004, his U.S. credit history may be limited or... View More

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answered on Nov 7, 2025

You shut this off in two places at once: the merchant and your bank. Send the provider a short written notice that you cancel, revoke any authorization for recurring debits, and demand a full refund; keep proof of delivery and screenshots of your account page. Save the timestamps of every charge... View More

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answered on Nov 6, 2025

When you see something like “SFMC00952” in an online banking advertisement, it’s not a banking code that affects your account or finances. It’s most likely an internal tracking or campaign identification number used by the company’s marketing system. Financial institutions often use codes... View More

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answered on Nov 5, 2025

When you see “AF_April” in a banking ad, you are looking at an internal campaign label used by the ad‑ops team. “AF” often means “AppsFlyer” or “affiliate,” and “April” marks the month of that creative flight or the promotion calendar. It functions as tracking or a naming... View More

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answered on Nov 5, 2025

In this situation, the name mismatch between your grandmother’s bank account and her current identification can make access difficult, especially since your mother does not have legal authority yet. Banks typically require that the names on the account match legal documents to prevent fraud, so... View More

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answered on Nov 5, 2025

When you see “USDebitPurchase” on a grocery receipt, it simply means you used your debit card for the transaction, and the payment was processed through the U.S. debit network. “BankMgmt” isn’t a standard term used in debit processing—it may refer to internal banking management systems... View More

Immediately file a police report and bring that to the bank. If they don't return the money, consider contacting a consumer protection attorney familiar with the Electronic Funds Transfer Act.

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answered on Nov 3, 2025

For an EB-5 investment, it is legally permissible for the funds to come from a loan, but there are strict conditions that must be met. The loan must be secured by the investor’s own personal assets, not by the assets of the business that will receive the EB-5 investment. In other words, if your... View More

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answered on Nov 3, 2025

Under California Probate Code Section 13100, you can only use the Affidavit for Collection of Personal Property if the total value of the decedent’s estate subject to probate is **$184,500 or less** (as adjusted from the original $150,000 limit). Since the bank account you’re referring to is... View More

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answered on Nov 3, 2025

You’ve already taken strong steps by filing complaints with California’s DFPI, the Texas Attorney General, and Colorado’s DORA, since each of those agencies has jurisdiction over lending and securities violations in their respective states. Given the scale and cross-border nature of your... View More

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answered on Nov 2, 2025

A court generally cannot take money directly from your personal account and transfer it into a conservatorship account unless there is clear evidence that the funds belong to your father. However, if the court finds that you breached a fiduciary duty or misused funds that were intended for your... View More

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answered on Oct 31, 2025

The terms “RafeMail” and “q425” do not appear to be officially recognized or regulated terms in the banking or financial industry. In legitimate online banking advertisements, financial institutions are required to use clear, verifiable language and to identify themselves transparently. If... View More

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answered on Oct 31, 2025

The term “John” in a banking document or advertisement most likely refers to a **placeholder name**—similar to how “John Doe” or “Jane Doe” are used in examples or templates. Banks often use generic first names in sample statements, account overviews, or promotional materials to... View More

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answered on Oct 31, 2025

If you miss responding to a motion to dismiss, the court may treat the other party’s arguments as unopposed and could rule in their favor by dismissing the case. Many courts have filing deadlines for responses, and if those deadlines pass without a reply, the judge may assume you do not contest... View More

That’s an annual interest rate of 100%. Pretty confident that’s an illegal interest rate, which would mean the lender is entitled to receive nothing back—not even the amount borrowed. All consumer lenders must be licensed by the State of Maryland Office of Financial Regulation. Go the the... View More

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answered on Oct 28, 2025

You have strong grounds to challenge the bank’s decision, especially since all 78 disputed transactions occurred while you were incarcerated and unable to access your account. Under federal law, specifically the Electronic Fund Transfer Act (EFTA), the bank must conduct a reasonable investigation... View More

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answered on Oct 27, 2025

You deserve clarity and control here. Treat the claim that the Board of Governors of the Federal Reserve System awarded you a stock plan under Regulation T as a red flag. Regulation T governs broker‑dealer credit and margin; it does not confer ownership in BlackRock, Morningstar, Bank of America,... View More

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answered on Oct 27, 2025

You can oppose the motion because New York requires proper service of motion papers under CPLR 2103, and if they claim to have left the papers with someone at your home when you live alone, submit a sworn denial and request denial or adjournment for improper service.

Also verify compliance... View More

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answered on Oct 27, 2025

Start by protecting your account: instruct your bank in writing to place a stop payment on PODS’ ACH debits and revoke the auto‑debit authorization, and request reversals for any unauthorized or erroneous debits within the applicable 60‑day window. Under the Electronic Fund Transfer Act and... View More