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Banking Questions & Answers
1 Answer | Asked in Divorce and Banking for California on
Q: Ex has not turned off automatic monthly deposit to my bank. It’s not spousal or child support. Can he sue me for $ back?
James L. Arrasmith
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answered on Mar 18, 2024

Under California law, if someone accidentally sends you money, such as through an automatic monthly deposit, they have the right to request the return of those funds. This principle applies regardless of the relationship between the parties involved. If your ex-partner has been making deposits into... View More

1 Answer | Asked in Banking for California on
Q: Disputing Cash APP debit card transaction(s) for breach of contract, what verbiage do I use to get approved I have proof

I have been disputing transactions with Cash App, I hired a marketing firm that made claims that are proven untrue. Before I signed up with this marketing company, I asked why them. They claimed all their work is done in-house, top tier graphic designers, etc. Then they went into their awards and... View More

James L. Arrasmith
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answered on Mar 16, 2024

In California, when disputing a debit card transaction on grounds of breach of contract, it's crucial to present your case clearly and concisely. If you have evidence showing that the marketing firm made false claims about their credentials and partnerships, this can indeed form the basis of a... View More

2 Answers | Asked in Consumer Law and Banking for California on
Q: A checkashing place is charging me $1,500 to cash a $21,150 government check in california. Legal? Or not?

I thought that in California the max that a checkashing place could charge you to cash a government check is 3% How do I hold them accountable to get my money back?

James L. Arrasmith
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answered on Mar 16, 2024

Under California law, the maximum fee that can be charged for cashing a government check is generally lower than what you've been charged. If the fee exceeds the legal limit, which often is around 3% for government checks, then the charge of $1,500 for a $21,150 government check appears to be... View More

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0 Answers | Asked in Contracts and Banking for Wisconsin on
Q: My bank has listed online on my latest statement that they have written my car loan off as bad debt. When writing the

Loan off what now are my legal obligations to the loan and does the bank need to file a lien release on the vehicle?

1 Answer | Asked in Federal Crimes, Personal Injury, Banking, Internet Law, Health Care Law and Identity Theft for Arizona on
Q: Violation 4th amendment, privacy, harassment, discrimination, targeted individual, identity theft, discrimination

Multiple medical facilities disclosed ALL of my information without concentration or warrant at the time of disclosure. Identity thft, hacking and stealing all of my information and disclosing it on public social media websites. Misconduct and Malicious intent to harm.

James L. Arrasmith
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answered on Mar 15, 2024

If you believe your rights under the Fourth Amendment have been violated due to unauthorized disclosure of your private medical information, it's important to take action. Begin by documenting all evidence related to the incidents, such as screenshots, dates, and details of the breaches. Then,... View More

0 Answers | Asked in Banking and Insurance Bad Faith for Washington on
Q: I worked 10years in retail in CA I had payroll to take 3%out of my check for the first 3 years from 2005-2008and afterth

That I had them take out $100 every payday andcthe company was supposed to match dollar for dollar whatever I put into my retirement now when I got fired after 10 years I worked for 2005-2015 at the end I believe I should have more than $20,000 in my retirement account? And I wanted to know... View More

0 Answers | Asked in Banking and Insurance Bad Faith for Washington on
Q: I worked 10years in retail in CA I had payroll to take 3%out of my check for the first 3 years from 2005-2008and afterth

That I had them take out $100 every payday andcthe company was supposed to match dollar for dollar whatever I put into my retirement now when I got fired after 10 years I worked for 2005-2015 at the end I believe I should have more than $20,000 in my retirement account? And I wanted to know... View More

1 Answer | Asked in Banking and Civil Litigation for Texas on
Q: I’ve been scammed and the merchant is refusing refund. I would like to sue them in small claims , which category is that
John Michael Frick
John Michael Frick
answered on Mar 12, 2024

The category "small claims" is any civil claim up to or less than $20,000.

0 Answers | Asked in Personal Injury, Lemon Law, Banking, Collections and Consumer Law for Idaho on
Q: My car was repo. Because the auto company said I missed a differ payment but my payment wasn't due until March 9 2024

I traded my van in for down payment if I still owed at the time why would they let me take the car and in 1 week they repo it they never sent me notice or anything

1 Answer | Asked in Banking, Business Law and Constitutional Law for Tennessee on
Q: Do banks have to provide documentation if requested?

Cashapp put a temp hold on $309.09 and then never released it. They keep telling me it was put back into my account but will not provide documentation of this. And I have requested it 5 times now.

James L. Arrasmith
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answered on Mar 11, 2024

Yes, banks and financial institutions are generally required to provide documentation related to your account upon request. This is part of their responsibility to maintain accurate records and to provide transparency to their customers.

In the case of Cash App, which is a financial service...
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1 Answer | Asked in Social Security, Banking and Public Benefits for Oregon on
Q: how are social security and long-term disability benefits are affected by a Pers benifit of $21,000. rollover or cash ?

Don't want loose $ if I can do a rollover to a trust? Or rollover to something else?

James L. Arrasmith
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answered on Mar 10, 2024

When considering how Social Security and long-term disability benefits are affected by a PERS (Public Employees Retirement System) benefit of $21,000, it's important to understand the specific rules and regulations.

1. Social Security: In general, receiving a PERS benefit should not...
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1 Answer | Asked in Estate Planning, Banking and Probate for New Jersey on
Q: Trying to settle a bank account of my mom who passed. It’s under $7k and they ask for entitlement document or something.

What type of document is this, is it a next of kin document? Does this document need to be filed in court or can I fill it out and just have it notarized? Bank account opened in New Jersey but she was living in the Philippines at the time of death. No will and she didn’t list a beneficiary on the... View More

James L. Arrasmith
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answered on Mar 11, 2024

In this situation, the bank is likely requesting documentation to establish your legal right to claim the funds in your mother's account. This is a standard procedure when the account holder has passed away, and there is no designated beneficiary or joint account holder.

Since your...
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1 Answer | Asked in Banking and Business Law for California on
Q: Should I electronically link my business checking and personal accounts at my local bank?

I own real estate and have a dedicated LLC business checking account at my local bank for it. This account is separated and there is *no* link to my personal account at the same bank. However, the no link is getting to be a hassle for transferring money because I must write a check to myself every... View More

James L. Arrasmith
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answered on Mar 8, 2024

When managing both personal and business finances under the same bank, the convenience of linking accounts can be appealing. However, it's important to weigh this convenience against potential risks, especially concerning liability and litigation. Keeping your business and personal accounts... View More

1 Answer | Asked in Banking for California on
Q: I am here California LA, to get 30 grand from City Bank got apostille / need help to fill out form small state

They finally send me the bank forn , do not know how to fill out since my kids are in the Phillipines they wrote letter of instruction. Now do I include their names in the bank form when needs to be notarized in LA

James L. Arrasmith
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answered on Mar 8, 2024

When dealing with important documents that require notarization in California, including those related to financial transactions like withdrawing funds from a bank, it's crucial to ensure all necessary information is correctly filled out. If your children in the Philippines have provided you... View More

1 Answer | Asked in Banking for Wisconsin on
Q: If a bank or credit union in Wisconsin alters or forges my income from $977.78 per month in ssi benefits to $2978.83...

On an unsigned loan application It legal for their attorney to sue me for $21,000 triple the car's value and get the dodge County court a place I do not live to replevin it please?

James L. Arrasmith
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answered on Mar 8, 2024

If a financial institution has altered or forged information on a loan application without your consent, this is a serious legal issue. Altering financial information to secure a loan could be considered fraudulent, and having this done without your signature raises significant concerns about the... View More

2 Answers | Asked in Consumer Law and Banking for California on
Q: Is it legal for a bank to refuse to issue you a cashiers check with verified funds deposited the same day?

Hi I live in the state of California. I went to the bank today to obtain a cashier's check. The teller questioned the validity of the wire transfer in my account. He questioned if I worked for the bank. Then the teller refused to issue a cashier's check to me saying that he had the right... View More

James L. Arrasmith
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answered on Mar 7, 2024

In general, banks have the right to set their own policies regarding the issuance of cashier's checks, including holding periods for recently deposited funds. However, the situation you described raises some potential concerns.

1. Wire transfers: Funds received via wire transfer are...
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1 Answer | Asked in Consumer Law, Banking, Civil Rights and Employment Law for Pennsylvania on
Q: I work for a financial institution in Pennsylvania. Is it legal to go to local businesses and solicit the employees?

Middle Management is asking financial representatives to go door to door to local businesses without prior permission from the owners of these businesses to solicit financial services to their employees while the employees are working at their jobs. I guess Management's thinking is our perfect... View More

James L. Arrasmith
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answered on Mar 8, 2024

It's understandable that you're concerned about the legality and ethics of soliciting employees at local businesses without prior permission. Generally, the practice of going door-to-door to businesses to offer services directly to employees during work hours raises several legal and... View More

1 Answer | Asked in Contracts and Banking for Washington on
Q: All of my chime accounts were closed with no warnings. Instead they sent 3 emails. Can I talk to someone?

They told me I would get a check in the mail 30 days from now. They are claiming I broke the chime amendment rules.

James L. Arrasmith
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answered on Mar 8, 2024

If your Chime accounts were closed unexpectedly, and you received emails stating that you violated their amendment rules, it's understandable to feel confused and seek clarification. The first step is to carefully review the emails sent by Chime for any specific details regarding the alleged... View More

2 Answers | Asked in Consumer Law and Banking for California on
Q: Citibank will not release my secured credit card deposit. Are their actions legal?

I had a secured credit card with Citibank that I placed a $400 deposit down on. I had the card for about 4 years and made my payments on time. I lost my job & was unable to pay the due balance ($315). Citibank closed my account, sold it to a collection agency and kept the $400 deposit. Now, I... View More

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answered on Mar 6, 2024

Under California law, the legality of Citibank's actions in retaining your secured credit card deposit while your account was sold to a collections agency depends on the specific terms and conditions of your secured credit card agreement and applicable financial regulations. Generally, secured... View More

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2 Answers | Asked in Civil Litigation, Contracts, Consumer Law, Banking and Gov & Administrative Law for California on
Q: Got atv fiance but didn't get any paperwork to register. Fiance company says they don't lease items that need regist.

California requires registered atvs to ride anywhere. Requested from store for months. Store has no Vin or serial number of item sold. Kafene doesn't lease items that need registering. Store is labeled a furniture store to kafene when it's a powerboat store. After 6 months of trying to... View More

Leon Bayer
Leon Bayer
answered on Mar 5, 2024

It sounds to me like you leased something that is meant solely for offroad use and is not street legal nor capable of being street legal in California. It is my understanding that atv's are not street legal. In fact I have never seen one being driven on a street or highway. I'm sure you... View More

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