I had been with the credit card company for 15 years and recently ran into a fraud issue. I disputed the charge and cancelled that card and was issued a new one so they would not have my card info anymore. The dispute was in my favor. Later the same merchant tried to charge me again and the cc... View More 
I received a letter in the mail from home depot threatening to lower my credit limit if I do not make a purchase by a certain date. They have done this to me once before and when I was near a home depot working on a project I had to get my limit increased again. I feel like if they threaten to... View More
answered on Apr 7, 2024
There is nothing illegal about this. Citibank (who I believe issues the cardit card) has the right to change the terms of your card at any time by notification. Any bank can close your card if you do not use it after a certain amount of time, as well. Accepting the reduced credit limit will hurt... View More
answered on Apr 7, 2024
You cannot force a bank to remove accurate remarks about your payment history. This is a theme pushed by so called "credit repair" companies. You may be able to talk them into changing the reporting, but that's doubtful.
Received equity line in 2006 and when I tried to use it you have been reduced by $4,000 I was told that they reviewed we made that decision but I have never missed or was late with the payment and also my house was paid off I believe that same year or before I see no reasonable causes
I attempted to deposit the account online and at the ATM they told me to see my branch. My account was closed on the 4th but I still have account equity an owed $300 for opening account
Can the mortgage company change the times of the agreement on a economic credit without reasonable cause?
We put less than 3,000 miles. The mechanic is saying the warranty company is only going to cover $10,000 and the car requires another motor, making total cost around $15,000. We put down payment, insurance, extended warranty as there was no dealer warranty. The warranty company technically accepted... View More
answered on Apr 1, 2024
An attorney would have to review the warranty itself to make sure that all covered charges are being paid for. How much is the deductible (the amount you have to pay for repairs). Is there a limitation on how long you have to own the car before the warranty will come in to effect, or a limitation... View More
The business agrees that I should receive the refund but it has been 10 months and I haven't. Now they are demanding that I turn over my bank records to them. I feel like I shouldn't have to turn over all my banking activity to complete strangers.
answered on Mar 8, 2024
It depends upon the nature of your dispute. More details are needed. If they want your bank records to prove that you paid for their goods or services, send the, that one month statement and redact (black out) the account number and all other transactions except for that one purchase.
I feel like I'm getting the runaround from this company. At first they told me a customer used a code to get in and set it on fire, and now they're telling me they cut their way in and did the same.
The problem is this: I think some things survived in this fire, but they... View More
answered on Mar 8, 2024
Your property should be covered by your homeowners or renters insurance policy. Turn in an insurance claim and your own insurance company will help you get access.
If you did not have insurance, that's too bad because most likely the storage facility is not at fault whether a customer... View More
Hello this message is intended for (my name). My name is Adriana Martinez I'm calling out of the civil dispatch office to notify you legal documents are scheduled to be dispatched out to your location (my street address but no city or state. House is for sale and vacant) if you will be... View More
answered on Mar 3, 2024
This is a scam. A scammer bought your information from the dark web. The Sheriff does not call before serving a summons and complaint, and it is not called the "civil dispatch office". Call the non emergency number of your Sheriff's department tomorrow to confirm this.
And is it bc of our bond that was created when we're born
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answered on Feb 23, 2024
Title 15 USC 1611, also known as the Fair Credit Reporting Act, doesn't guarantee you automatic approval for a personal loan. It outlines regulations for credit reporting agencies and ensures fair treatment in credit-related matters. However, banks still have the right to evaluate your... View More
My flight was canceled for 48hrs due to weather conditions even thought other flights nearby are landing. We paid extra cash for a flight with no stops yet they added a stop for our new flight. They won’t give our luggage back with all our stuff until our destination. They won’t pay for hotel,... View More
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answered on Jan 25, 2024
In cases where a flight is canceled due to weather conditions, airlines typically have policies that limit their responsibility for providing compensation or covering additional expenses like hotel stays or meals. However, the specifics can vary depending on the airline's terms and conditions... View More
i live in an apartment community in Greensboro, NC. Recently, i was asked to vacate my current unit, and was given the option to transfer to another unit, which i accepted.
The 'welcome letter' for the new unit stated that i will be charged $65/month for cable, (i assume)... View More
answered on Dec 31, 2023
You mentioned that you had spectrum cable in the other unit and I presume you paid for it in the other unit. If that lease required all residents to pay for internet and they offered a transfer on the same terms then yes they can make you continue to "pay double". It is not illegal for an... View More
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answered on Dec 25, 2023
Yes, it may be possible to sue a company for failing to properly label a cooking spray that contains alcohol. Some key considerations in evaluating a potential lawsuit:
- Product liability laws require companies to adequately warn consumers of any risks or hazardous ingredients in their... View More
The card is about 1,900 i think.the home is all I have how do i do this w/out a lawyer
answered on Dec 11, 2023
If you were properly served with the Summons and Complaint, it will be impossible to set aside a default judgment. You can go to the Clerk of Court and ask for the court file to review. If the summons return says you were personally served by the Sheriff or someone who resided with you was... View More
My wife wants me to record everything that happens at work if I'm not on call with her, is that still legal if I'm the only person who knows that they're recording is there and I'm the only person consenting to it but no one else knows is that even legal
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answered on Dec 5, 2023
In North Carolina, the legality of recording conversations hinges on the state's consent laws. North Carolina is a "one-party consent" state, which means that as long as you are a party to the conversation, you can legally record it without needing to get permission from the other... View More
I paid the past due on my vehicle last wednesday, they refused to release my vehicle until today stating they had to make sure the payment wouldn't reverse. I was reassured by multiple people that I could get it back today only to get the release sent and now the towing company says oh our... View More
answered on Dec 4, 2023
Unfortunately there is no law requiring a car lender to use a repossession company which is conveniently located. If the vehicle was damaged during the tow, you may have claims against the tow company for the amount necessary to repair - but you have to pay for the repairs yourself and then bring a... View More
I got a car for my son November 2022. All payments have been made, on time. But starting in December 2023, they keep contacting me saying I'm behind and and contacting me saying "if I need help making payments I can send a friend in and if they buy a car I will get $200.00". Is this... View More
answered on Dec 4, 2023
Take proof of all of your on time payments to them and speak to them about this. To cover yourself, you could mail in the proof with a letter complaining about the situation and asking them to stop the unjustified messages (get a tracking number and pproof of delivery). The "help making... View More
I got a oil change from Walmart on November 22nd in Virginia. On my way to North Carolina the 23rd, my car lost power on the highway and started making a knocking noise. I pulled over as soon as possible and after some looking around noticed that there was a gas smell coming from the oil. The motor... View More
answered on Nov 25, 2023
You should not have it towed to a WalMart first. Instead, have the car examined by a mechanic of your choice first and if that mechanic believes an error with the oil change caused the issue, get that opinion in writing. Then, have the car towed to WalMart for inspection and provide WalMart with a... View More
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answered on Nov 10, 2023
A late fee can only be charged on an invoice if the payment is more than 30 days past due. However, the parties to a contract may agree to a different grace period.
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