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Pennsylvania Banking Questions & Answers
0 Answers | Asked in Banking for Pennsylvania on
Q: 4/2/24_M&T Bank deliberately posting an dishonest, mislead deposit transaction. I wrote M&T 3 times,

I received responses from "Customer Advocacy. Who upheld the decision to keep the deposit documented. I deposited my check from my pension fund. Originally the check was drawn from ICRMA. However, I held on to it so long, they wrote me and told me that I would have to have to get re-issue... View More

1 Answer | Asked in Tax Law and Banking for Pennsylvania on
Q: I deposited a check from my retirement to M & T Bank for 40,000 ( after taxes.) that has been posted wrong.

the check was from Vantagepoint Transfer LLC. I deposited the entire check in person at MT Bank. Back then it was posted as Trust deposit, and I complained that it should have been posted a a check deposit. I look on my statement and it just says "Deposit, $40,000. I went to Federal Reserve,... View More

James L. Arrasmith
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answered on Apr 1, 2024

I understand your concern about the way your check deposit from Vantagepoint Transfer LLC was posted to your M&T Bank account. It's important for your financial records to accurately reflect the nature of your transactions, especially when it comes to large amounts like $40,000, to avoid... View More

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 Banking for Pennsylvania on
Q: Are banks liable for their employees incomplete financial advice/professional negligence?

I went in person to deposit a check to ask the bank rep how long it'd take to clear to know if the money was good (new client) and was informed once the money showed up in my account that I'd know the check was legit. Bank rep failed to mention that the bank is legally required to deposit... View More

James L. Arrasmith
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answered on Mar 2, 2024

Banks typically have a duty to provide accurate and complete information to their customers, especially regarding financial matters. However, liability for financial losses due to incomplete advice or professional negligence can vary depending on the specific circumstances. While the bank... View More

2 Answers | Asked in Banking, Business Law and Collections for Pennsylvania on
Q: Can a merchant pursue a customer after losing a dispute case with American Express?

I rented a vehicle from SIXT at Lisbon Portugal Airport in August 2023.

Regrettably, the rental car provided by SIXT had pre-existing windshield damage.

• Due to the low light in the garage crack was not visible.

• On September 15, 2023, SIXT charged my credit card... View More

Joel Gary Selik
Joel Gary Selik
answered on Feb 7, 2024

Yes they can.

Your options are to file a lawsuit or defend a lawsuit they may bring.

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1 Answer | Asked in Libel & Slander, Banking, Civil Rights and Environmental for Pennsylvania on
Q: I am being framed. this box does not allow enough words to explain. There is spyware in my home. Who has authority to

my house is under spyware,all 3 of my devices are hacked and someone is duplicating anything I joined or apply for(paypal, credit cards, repair services. My network has been compromised and indicate Network#3 I don't know what that means. One of the worse thing done is "they" are... View More

James L. Arrasmith
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answered on Jan 26, 2024

I'm very sorry to hear you are in such a distressing situation. Being potentially targeted by unauthorized surveillance and hacking can certainly feel like your privacy, rights, and even sanity are violated. Here is my advice on steps to take:

1. Document everything suspicious through...
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1 Answer | Asked in Estate Planning and Banking for Pennsylvania on
Q: My Aunt has written me a check emptying her checking account. What are the legalities if I deposit it in my account?

She is recently under hospice care. I am the soul beneficiary. There’s a lot involved. She’s afraid if we wait until her death I won’t have access and she doesn’t have a legal id to add me to her account.

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Jan 12, 2024

We've been representing financial institutions for over two decades.

"Legal id"?

You aunt's financial institution most certainly has her signature card for her deposit account, and that's all that one needs to add another adult to her account, on a simple...
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1 Answer | Asked in Banking for Pennsylvania on
Q: My bank froze my social security disability direct deposit . Can they do that?

I reported fraud on my account and now they are treating me like a criminal. I don't understand

T. Augustus Claus
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answered on Dec 21, 2023

If your bank froze your Social Security Disability direct deposit after you reported fraud, it's likely a security measure. To resolve this, contact your bank immediately, inquire about the freeze, and provide any necessary documentation related to the fraud report. Seek clarification on the... View More

1 Answer | Asked in Bankruptcy and Banking for Pennsylvania on
Q: I currently have a loan with a lien on my car. I’m financially able to make the payments for the loan however,

The car needs $8000+ in repairs mechanically and the car is not worth that so it is pointless to dump money into it. I’m wondering if I can just surrender the car and continue to make payments on the loan or will there be serious issues with that. Can they take it and sell it and allow me to make... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on May 17, 2023

Once a bankruptcy case is filed, the Code provides that you can tender the collateral to the secured lender in full satisfaction of the secured portion of its claim (there may be disputes about the value of the collateral).

Short of a bankruptcy filing, you can certainly offer the car to...
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1 Answer | Asked in Consumer Law, Banking and Business Law for Pennsylvania on
Q: Do I need to pay anyone a down payment?

I'm trying to buy a car and I have no credit due to being incarcerated most of my adult life

John Michael Frick
John Michael Frick
answered on May 10, 2023

No. You can pay cash if you choose, or pay with a credit card, etc.

Most lenders who provide financing for traditional car loans, however, will require a down payment as a condition of making a loan. That is both typical and legal.

2 Answers | Asked in Banking and Real Estate Law for Pennsylvania on
Q: Regarding public record

Can I go to court and request my information and home title be private due to fraud since it is so easy for someone to steal a home due to public record and all information available to criminals, because there is no protection for an innocent person by the law? Thank you and think for your help.

Nellie T Schulz
Nellie T Schulz
answered on Jul 5, 2022

The deed to your house is not kept at a court, but is publicly recorded and maintained at the Office of the Recorder of Deeds for the county in which your house is located. I don’t know of any way a court could do anything to prevent beforehand anyone from preparing, selling, or recording a fake... View More

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1 Answer | Asked in Small Claims and Banking for Pennsylvania on
Q: My dad just passed away and he had a loan in his name that nobody knew about. Doe my mother still have to pay it?

Just my dads name is on the loan

Randy Bryan Ligh
Randy Bryan Ligh
answered on Jun 2, 2022

It is a debt of your dad's estate. Is your dad's estate solvent? Are you gonna go through probate? If so, please contact a probate lawyer to discuss this and how best to proceed.

1 Answer | Asked in Employment Law and Banking for Pennsylvania on
Q: If I was locked up but wasn’t found guilty can I still get a job
Peter N. Munsing
Peter N. Munsing
answered on Jul 2, 2021

If you mean does it show up as a conviction it should not. It depends on the job--if it involves a security clearance, some can be denied even if you were not convicted.

1 Answer | Asked in Consumer Law, Criminal Law, Arbitration / Mediation Law and Banking for Pennsylvania on
Q: Can I sue Wells Fargo for an unauthorized charge which has since caused me financial hardship?

I had a car loan through Wells Fargo. I traded in that car to Carvana who agreed to pay off the loan. I have documentation from Wells Fargo that the loan was payed off in full 4/19/21. However, I was still charged my monthly payment of 408 on 4/25/21 through auto pay. This caused my wife’s and my... View More

Peter N. Munsing
Peter N. Munsing
answered on Jun 11, 2021

1. Go to a wells fargo bank and find out why you can't sign on.

2. Get the records printed out at the bank.

3. Once you have those, keep them and only send copies.

4. Ask Wells fargo for a return of the autopay, and the related charges. The AMC stock is too far a...
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1 Answer | Asked in Banking for Pennsylvania on
Q: what if I unknowingly deposited a fraudulant check?

My boyfreind is in cape town. His UK bank account was locked so he had me send him my own funds through bitcoin. Now he had a "client" send me a check to deposit in my account so he could pull it through Krakken. The bank closed my account and said the check is fraudulant. I called... View More

Peter N. Munsing
Peter N. Munsing
answered on Jun 4, 2021

Ask the bank to verify it. But it sounds fishy. You should be able to get your funds out of the bank. You sent your money to someone in S.Africa whose UK bank account was locked? That does look like more than a few red flags. Your boyfriend didn't even pay but had a "client" pay?... View More

1 Answer | Asked in Banking for Pennsylvania on
Q: I joined a class action lawsuit against woodforrest bank in 2012 . I never heard back , can you find my award

In 2012 I was sent a letter from a lawyer about joining a class action lawsuit against Woodforest bank. I never heard back and until recently hadn't though about it . But when I did I learned that lawsuits against woodforest bank have been settled . I dont remember the lawyer or the case I... View More

Ronald J. Eisenberg
Ronald J. Eisenberg
answered on Feb 1, 2021

If this were a federal court case you can do a federal court docket search to find the pleadings and lead counsel.

1 Answer | Asked in Criminal Law, Banking, Identity Theft and White Collar Crime for Pennsylvania on
Q: What's the next step after police to you about being involved in credit card fraud investigation of $20.00

Accidental credit card fraud. I used someone else's credit card to make a purchase. I then tried to make another purchase with card and it didn't work. I tried to use the card again. The screen then said something about card being offline. I used a different card the for the purchase and... View More

Ellis B. Klein
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Ellis B. Klein
answered on Nov 24, 2020

Do NOT speak to the police without a warrant. More information is needed to give you advice. Did you know the person whose credit card it was? If not, you could be charged with felonies, including access device fraud, theft, identity theft. If you knew the person, if they say you did not nave... View More

1 Answer | Asked in Banking and Collections for Pennsylvania on
Q: My wife has a credit card that she continues to use after there were discussions to eliminate it.

I have no idea on the balance or what she has charged on it, and she refuses to show me. She's using our Money Market to make payments, which have ranged from $700 - $1200 / month. How can I legally obtain access to review that account, so I can properly proceed with budgeting and/or further... View More

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Oct 27, 2020

If you are not an authorized signator on the credit card account, you would only be in a position to compel disclosure in either a domestic relations or bankruptcy court setting.

Her refusal to share details with you about that account is foreboding. Perhaps, to make it "fair",...
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1 Answer | Asked in Banking and Real Estate Law for Pennsylvania on
Q: Found out a judgement was filed in 2003 against my husband house by Sherman acquition limited for Sears Roebuck company

Is there a statue of limitations all info is old can I get it off my lien

Mark Scoblionko
Mark Scoblionko
answered on Oct 26, 2020

In Pennsylvania a judgment lasts forever until it is paid. However, it constitutes a lien only for five years, unless it is renewed. Thus, if this judgment was not renewed, the judgment remains, but it does not constitute a lien unless and until it were to be renewed.

1 Answer | Asked in Criminal Law, Employment Law, Banking and Business Law for Pennsylvania on
Q: Which box to check on the “Pennsylvania Department of State bureau of corporations and charitable organizations” form?

For amendment, withdrawal, cancellation boxes

Nellie T Schulz
Nellie T Schulz
answered on Aug 2, 2020

There are dozens of forms on that website and each one has detailed instructions. Without knowing what form you are referring to or what the purpose is of the form, it’s not possible to say which box should be checked.

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