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Banking Questions & Answers

1 Answer | Asked in Banking, Civil Litigation and Consumer Law for Alabama on

Q: We were issued a wage garnishment , but the amount was already taken out of our bank account in February.

Over the weekend we were served with a wage garnishment , but the money was already taken out of our bank account in February . This is the same court case number and amount that was already deducted in the February withdrawal. We never received a garnishment letter from the withdrawal in February... Read more »

Bruce Alexander Minnick answered on Jun 26, 2019

Unless the earlier garnishment was insufficient to repay all of the debt underpinning it, I cannot think of a reason why the garnishment has re-appeared. If you want to get rid of it--temporarily--close the bank account; and do not open another account at the same bank.

1 Answer | Asked in Consumer Law, Contracts and Banking for New York on

Q: Can a private investigator track where i have been using my phone GPS or my car GPS?

I recieved a business card from a repo company PI. Not only did i recieve it at my house but it got addressed to me and sent to my boyfriends house as well. I never put his address on any documents what so ever. The only place i have his address is my phone and my car GPS. I never put his address... Read more »

Bruce Alexander Minnick answered on Jun 26, 2019

In these days of very advanced high-tech electronic systems and devices there is no doubt that smart investigators, private or otherwise can track anyone, anywhere at anytime--without stopping for coffee. There is nothing legal that you or I can do about it either. Welcome to America, circa 2019.

1 Answer | Asked in Banking and Small Claims for Connecticut on

Q: I got scammed and my bank has the person’s information who did it but cannot give it to me what can I do??

I got scammed for concert tickets. I sent the money through Zelle. My bank launched an investigation and it took them 2 weeks to find the person who did it. They told me they have the persons name but cannot give it to me without a subpoena. I tried to go to small claims but they said to even get... Read more »

Bruce Alexander Minnick answered on Jun 25, 2019

Why do you want the scammer's name? You should concentrate on getting the money back; and the bank and regulatory authorities are much better at doing that than you are.

1 Answer | Asked in Banking and Foreclosure for Texas on

Q: Do I need to sue my mortgage company because they made a mistake in my escrow account?

We found an error on our escrow account analysis in January. When asked Flagstar about it, we got the run around, saying it was our fault. Back before October we got a letter stating it was time to renew home owners insurance. So we called, and we had to get the insurance company to fax Flagstar... Read more »

Bruce Alexander Minnick answered on Jun 25, 2019

Go with the answer you got: Stop everything until the bank gets it straightened out.

1 Answer | Asked in Banking, Identity Theft, Legal Malpractice and Small Claims for Georgia on

Q: Am I responsible to pay my bank money when I was given a fraudulent loan and I used the money before the check bounced?

The person who deposited the check in my account forged my signature. The loan was for $901.70.

Bruce Alexander Minnick answered on Jun 25, 2019

Yes. Why? Because you are the only person who has (or had) the $901.70. Surely you do not expect any bank on this planet to eat money just because you accepted a fraudulent check? No; they are making you eat your own money.

1 Answer | Asked in Foreclosure, Real Estate Law, Banking and Probate for Florida on

Q: What to do when a house is destroyed during a Cat 5 hurricane and you're still going through probate.

Hello. In 2018 a deceased family member's home was destroyed by Category 5 Hurricane Michael while still in probate. We had been keeping up with all payments on the estate, until we were told by Wells Fargo that they would no longer accept payments. We have had a case open since October 2018, which... Read more »

Bruce Alexander Minnick answered on Jun 24, 2019

Having the probate papers will not stop Wells Fargo Bank--unless you can convince the probate judge to take jurisdiction in order to preserve the assets of the estate. This strategy will require someone with proper credentials to appraise the storm damaged property high enough to be able to sell it... Read more »

1 Answer | Asked in Family Law and Banking on

Q: What will be a punishment for my father's mistress who get all his money,atm cards,wallet,and all his id's?

She even try forged my father's signature to get the money from him

Bruce Alexander Minnick answered on Jun 24, 2019

Lawyers are very intelligent and highly trained--but we are not soothsayers; nor do we do crystal balls. Therefore, I am constrained by a fundamental law of the universe and unable to opine on your current dilemma.

1 Answer | Asked in Banking and Consumer Law for North Carolina on

Q: If I believe my bank is incompetent in handling a $60 charge back for a hotel room is there anything I can do about it?

I went to a hotel, to get a room that costs $60 per night. The hotel has a policy that there is only 15 minutes within paying to either change rooms, or ask for a refund, and makes people sign a paper stating this, and does not let people look at the rooms first before deciding to pay. In my case,... Read more »

Bruce Alexander Minnick answered on Jun 21, 2019

Wow. It's too bad you did not anticipate any problem when this (very cheap) hotel made you sign an agreement not to complain about their cheap rooms unless you do it immediately. In any event, there is nothing you can do to force your bank to give you the $60 that the hotel kept. Why not consider... Read more »

1 Answer | Asked in Banking and Business Law for Michigan on

Q: I am a va for someone from another state. He sent me a check and it bounced. My bank accounts on hold now. What do i do?

He’s in TX, originally the first check he sent me i guess cancelled because of FedEx had a problem with delivery. (VA=virtual assistant)

Bruce Alexander Minnick answered on Jun 21, 2019

Pardon my ignorance, but if you can tell me what a "va" is I might be able to give you some advice.

1 Answer | Asked in Banking for Pennsylvania on

Q: What do i do if my bank is trying to keep my ssi deposit

Bruce Alexander Minnick answered on Jun 21, 2019

FYI: All banks in Pennsylvania--and all other states--are very highly regulated; banks do not just keep someone's SSI deposit without very good reason--like to cover an overdraft. If you are still unhappy, contact the appropriate state or federal regulator supervising your bank.

1 Answer | Asked in Banking and Identity Theft for California on

Q: How can I research a loan company to see if they are legitimate? I can't find anything on basic internet searches.

I have a name and offer contract. I was contacted by phone and approved before I received the "offer contract". Questions arise due to the payment amount stated does not compute correctly with the stated interest rate and months of loan agreement, also they are asking for a "collateral payment" of... Read more »

Bruce Alexander Minnick answered on Jun 20, 2019

If you have to ask whether an internet bank is legitimate or not, it probably isn't.

1 Answer | Asked in Banking for Puerto Rico on

Q: My grandfather has a joint Banco popular account with my mother she has passed. Now its frozen for 2 years please help

My sister was head of my mother's estate and knowing that account wasn't my mother's she informed the bank about my mother's death. She never listed the account in probate court and never helped get the account reopened it's been closed now for 2 years now and my grandfather can't get Access to... Read more »

Bruce Alexander Minnick answered on Jun 20, 2019

Unless someone does something before your grandfather passes Banco Popular will win. If they have not been doing it already, Banco Popular will start service charging the account each month, draining off as much money as possible before the government of Puerto Rico requires them to turn over... Read more »

1 Answer | Asked in Banking, Consumer Law and Contracts for Maryland on

Q: Do I need a Maryland Consumer Loan license to lend a friend $6,000.00 and charge 14% interest for a four year term?

Cedulie Renee Laumann answered on Jun 19, 2019

Your question involves at least two areas of commercial law in this state-- interest rates and lender licensing.

Maryland's laws on lending and usury (maximum interest) are a bit complicated. The legal rate of interest in this state is 6%. To charge more, you must fit within an...
Read more »

1 Answer | Asked in Banking and Communications Law for Texas on

Q: How much trouble am I in?

I was talking to a guy. He paid my credit card off. Then asked me to get him 350 dollars worth of gift cards to pay him back. I thought it was a scam and called then bank to have my account frozen and asked to have the payment sent back. But they guy is claiming that he can have me arrested

Bruce Alexander Minnick answered on Jun 19, 2019

I am not licensed to practice law in Texas but I do know banking law very well. People who have their bank stop payment on something without any cause are considered in the same category as people who write bad checks.

If "the guy" who paid off your credit card did so using a valid check,...
Read more »

1 Answer | Asked in Banking for Arkansas on

Q: CAN I CLAIM MY MONEY I SENT FROM REGIONS BANK IN JONESBORO, ARKANSAS TO HSBC BANK IN LONDON,ENGLAND IM A FRAUD VICTIM?

I WIRED 0VER 15,000 TO THE BANK AND THE LONDON POLICE INFORMED ME THAT I WAS A FRAUD VICTIM FROM THE BANK THERE.

Bruce Alexander Minnick answered on Jun 18, 2019

If it helps to know it, you are only one of many thousands of Americans who have collectively lost billions of dollars to international fraud stings in the past few years. And I am sure the London police also told you there was nothing they could do about it; right? They were not lying.

At...
Read more »

1 Answer | Asked in Banking, Business Formation, Business Law and Consumer Law for Maryland on

Q: Do I have a Maryland Consumer Loan license to lend a friend $6,000.00 and charge 14% interest for a four year term?

Bruce Alexander Minnick answered on Jun 18, 2019

Say what? How can anyone know whether you "have a Maryland Consumer Loan license" or not? And why do you not know?

1 Answer | Asked in Banking, Business Law and Consumer Law for Ohio on

Q: I was informed and given a letter that I was approved for a $60000 home equity loan but they changed the amount.

I got a letter saying I was approved for a $60000 home equity loan. The next day I was called and told that they were wrong and it was only $40000. The next day I received a letter that stated I was approved for the amount of $60000 signed by a loan officer. I was later informed they wrongfully... Read more »

Bruce Alexander Minnick answered on Jun 18, 2019

Do about what? You asked for $60,000 and you are getting $60,000. Where's the beef?

1 Answer | Asked in Banking, Contracts, Family Law and Probate for Arizona on

Q: I was told by bank on phone inquiry I made about a checking account balance then they tell me I had a savings also mine.

I didn't have time for asking for the finding out more about some sort of account that I was beneficiary or some kind of account from a will. I didn't get the information about account number or any info about this account, just told on phone call to the banks 1800number, then I went to the bank... Read more »

Bruce Alexander Minnick answered on Jun 17, 2019

The bizarre story has all the markings of a scam in the making. Why? Because reputable banks do not just call people on the phone to discuss their bank accounts--especially if the person called has no idea they had the "accounts."

1 Answer | Asked in Banking for Texas on

Q: Someone paid my credit card bill. And then demanded that I get steam cards and pay him back. Can I get in trouble?

I called the bank to have the payment sent back but he is saying that he can have me arrested unless I pay him back.

Bruce Alexander Minnick answered on Jun 17, 2019

This makes no sense; you will have to add lots of facts before lawyers can understand you question.

4 Answers | Asked in Bankruptcy, Banking and Collections for California on

Q: Chap 7. Wife not filing. Joint Citi checking w $5600 on line of credit. It's current. Can Citi offset if stays current?

Since it is a joint debt, can we exclude it from the BK and continue making payments on it?

We want to keep her strong credit completely clean.

Is there any reason to close the joint account?

Timothy Denison answered on Jun 17, 2019

Take her off all accounts if you want to keep her credit strong.

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