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I worked as a business manager at a church where I prepared checks and bank deposits, and entered all deposits into QuickBooks. A third-party accounting firm reconciled the books, and I counted weekly income with the secretary. I was terminated for taking vacation while accruing vacation time... View More 
I'm considering adding someone to my bank account with limited access so they can help manage the account. However, I'm concerned about whether the account could be affected due to any collection situations. Can the account be targeted by creditors if I add them?
I financed a car through a bank and fell behind on payments. They declared the car in repossession status and said I needed to pay the full amount of $7,192, which I did on March 7, 2025, with documentation to prove it. I was promised the title but didn't receive it. Upon investigation, the... View More
I hired a personal advisor who arranged to house my money at Schwab. Initially, communication was good, but once the money started transferring, the advisor stopped communicating. I attempted to contact her several times without any assistance. Although we haven't lost any money, $1,350 was... View More
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answered on Apr 16, 2025
Based on your description, there may be concerns involving both financial mismanagement and potential misrepresentation. Since you’ve noticed unauthorized deductions and changes in advisor information, it would be wise to have a qualified attorney review any agreements or account documents you... View More
I have been charged NSF fees by my bank when I never received funds or attempted to withdraw from an ATM when my balance was zero. Despite not receiving any funds, the bank insists they can legally charge these fees, especially during balance inquiries. I've paid approximately $10,000 in NSF... View More
I use CashApp to gamble and receive money through Bitcoin. My account was locked three weeks ago, despite having completed the verification process as requested. CashApp created a case number but has not responded to my inquiries or provided any updates. I’m concerned about the delay and its... View More
I just received a check from E.W. Cripps, issued by Trust Bank, and I am unsure what it is for. I have not had any previous interactions or transactions with E.W. Cripps and did not expect any payments. Could you provide guidance on what steps I should take to understand the purpose of this check?
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answered on Apr 12, 2025
Receiving an unexpected check can be confusing, especially when you don’t recognize the sender. The first step is to carefully review the check for any details that might indicate what it’s for. Look for any information about the purpose of the payment, such as a reference or note on the memo... View More
I submitted my loan consolidation form to MOHELA on December 8, 2024, and my Income-Driven Repayment (IDR) form on December 26, 2024. Both forms are still under review according to the FSA website. I received an email from MOHELA on March 28, 2025, stating that my payment was 30 days past due, even... View More
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answered on Apr 12, 2025
It sounds like you're facing a frustrating situation, especially with conflicting information from MOHELA. The first step is to keep detailed records of all communications with MOHELA, including emails, phone calls, and any written notices about your loan status. Since your servicer confirmed... View More
I have an auto loan that is about a year behind, and the bank charged it off on my credit. A debt collection agency contacted me regarding this $36,000 debt. I haven't received any written communication from the bank, nor have I made payment arrangements with them or the agency. I'm... View More
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answered on Apr 13, 2025
First, it’s important to take action quickly to avoid further complications, such as repossession or a negative impact on your credit. Start by reaching out to the debt collection agency and request written confirmation of the balance owed. Ask if they are willing to negotiate a **payment plan**... View More
Cash App took $4,350 from my account and won't return it. I contacted the FBI but haven't filed an official claim with Cash App. What steps should I take to retrieve my money?
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answered on Apr 11, 2025
That’s a significant amount of money to lose, and it’s important to act quickly. The first thing you need to do is file an **official dispute or claim directly through Cash App**. You can do this through the app by selecting the transaction, tapping “Need Help & Cash App Support,” and... View More
I am trying to get a refund from my bank for a fraudulent check that was cashed 6 months ago. I informed the bank within 2 business days after the check was cashed. They say they’ve filed a claim with the bank where the check was deposited, but refuse to provide documentation or the location... View More
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answered on Apr 11, 2025
This is an incredibly frustrating situation, especially since you acted quickly and followed the proper steps to report the fraud. Under federal banking regulations, banks are required to investigate and resolve fraud claims in a timely and transparent manner. If your bank is refusing to provide... View More
I'm preparing to file Chapter 7 bankruptcy in California next month and discovered I'm still a joint owner of my 20-year-old son's bank account. I helped him set up the account when he was a minor, but he has lived independently since turning 18. I've contributed $4,000 to his... View More
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answered on Apr 11, 2025
This is a smart question to ask before you file, especially since timing and intent can be closely examined in bankruptcy. Even though your son is the true owner of the funds, being a joint account holder can create the appearance that some or all of the money belongs to you. In Chapter 7, the... View More
I obtained a mortgage loan from a bank 10 years ago, but failed to repay it, which resulted in the bank selling my house. I didn't receive any information regarding the sale, but recently, when I applied for a new loan, my credit report showed a write-off of the former loan. The new bank is... View More
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answered on Apr 12, 2025
It's understandable that you're concerned about the remaining loan balance after the foreclosure sale. The first step is to contact the bank to request a detailed statement of the loan balance after the foreclosure, including any deficiency amount that still exists. This will help you... View More
I am 17 years old and living with my parents in Massachusetts. I earn my own money through a job, and I have a bank account in my name. However, my parents are controlling how I spend my money, telling me what I can and cannot purchase. There are no legal or financial agreements in place that I am... View More
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answered on Apr 13, 2025
In Massachusetts, as a 17-year-old, you are considered a minor, which means your parents still have a legal responsibility for your well-being and finances. While you can earn your own money and have a bank account in your name, your parents may feel they have the right to oversee how you spend it,... View More
I'm attempting to transfer money to the Philippines through Union Flex Pay Commercial Bank located in Virginia. Initially, I paid $82 for a transfer authorization code, but now the bank is asking for an additional $210 for an insurance code. Is it required and legitimate to pay these fees?
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answered on Apr 11, 2025
What you’re describing raises serious red flags and sounds like it could be part of a scam. Legitimate banks in Virginia or elsewhere in the United States do not require separate payments for “transfer authorization codes” or “insurance codes” when sending money, especially in amounts... View More
I have experienced unauthorized transfers involving my checking and credit card accounts, with six fraudulent transactions already adjusted and pending on my checking account. Despite reporting this issue to my bank on March 25, 2025, I have received no response. I've filed complaints with the... View More
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answered on Apr 8, 2025
It’s understandable how frustrating and stressful it can be to deal with unauthorized transactions, especially when you’ve already reported them to your bank and haven’t received any response. Since you’ve documented the transactions and reported them to the CFPB, you’re on the right... View More
I co-signed a car loan in Canada three years ago for a relative who needed help to get a car. The car loan appears on my credit as though I am jointly liable. I discussed options with the bank to get my name off the loan, such as paying off the car, selling it, or having my relative refinance under... View More
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answered on Apr 8, 2025
Removing yourself as a co-signer from a car loan in Canada can be tricky, especially if your relative is unwilling to refinance or pay off the loan. The first step you should take is to review the terms of the loan agreement. Without a copy of the contract, it might be difficult to fully understand... View More
I participated in an online auction through River City Auctions on March 27th and received the items on April 1st. The listing for a "Roku TV with enhanced voice remote" claimed it was new in the box, but the box was retaped and the remote was missing. The "inflatable paint... View More
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answered on Apr 6, 2025
You do have a few options to try and get your money back. Since you paid with a bank debit card, you can contact your bank and ask about filing a chargeback for items that were misrepresented. Explain that you attempted to resolve the issue with the seller but were ignored. Be sure to include all... View More
I have recently started paying my rent electronically directly from my bank account to my landlord's in California. Previously, I paid by check, but my landlord is okay with the electronic method. Is there any reason why I shouldn't continue with electronic payments? Are there potential... View More
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answered on Apr 5, 2025
Paying your rent electronically in California is generally a safe and convenient option, especially if both you and your landlord are comfortable with it. It allows for faster transactions, easy tracking, and proof of payment, which can be helpful if any disputes ever come up. Just make sure... View More
I am receiving a loan of $11,000 from a friend living in a European Union country. We may create a formal agreement if required. I plan to repay the loan over the next 10 years without interest. What taxes or other payments will I be liable for in this situation?
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answered on Apr 8, 2025
If you're receiving an interest-free loan from a friend in the European Union, there are a few key things to consider. First, in most cases, you won’t face direct taxes just for receiving the loan. Loans themselves are typically not considered income, so no immediate tax is due on the... View More
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