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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

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, 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 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 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

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: 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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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

Leon Bayer
Leon Bayer
answered on Mar 8, 2024

This is a very strange tale. I would not fault the bank for putting a hold on a deposit that they just received. But that's not what they did, because they gave you the cash! But I see no legal rights that the bank violated. You can call the bank branch manager to complain about the teller..... View More

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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

James L. Arrasmith
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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 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

Leon Bayer
Leon Bayer
answered on Mar 6, 2024

I suspect that your $400 deposit was used up and your account became overdrawn by the $315 amount. That should be visible on your monthly statements sent to you before and after that particular time. But that's just a guess, and it would be wrongful of Citibank to fail to provide you with a... 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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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

James L. Arrasmith
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answered on Mar 5, 2024

In California, all ATVs (All-Terrain Vehicles) must be properly registered with the California Department of Motor Vehicles (DMV) for legal operation. If you purchased an ATV but did not receive the necessary paperwork for registration, this complicates your ability to use the vehicle lawfully. The... View More

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1 Answer | Asked in Banking and Business Law for Nevada on
Q: If square froze my account for suspicious activity and a check was returned are they responsible nfs returned check fee

On Thursday February 29th square bank froze my account for what they thought was suspicious on Friday march 1st a bill pay I initiated on Thursday was returned now the company I was paying the bill to wants an additional 100 dollars for the returned check fee is square responsible for that fee? I... View More

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answered on Mar 4, 2024

When your account with Square Bank was frozen due to suspected suspicious activity, and as a result, a check was returned, this situation understandably causes frustration and financial inconvenience. Banks and financial institutions have policies in place to monitor and act on activities they deem... View More

1 Answer | Asked in Real Estate Law, Banking and Contracts on
Q: My mom bought a house legally but I think she put me illegally on the mortgage is there away I can get my name removed?

I have been worried about having to pay the mortgage for 30 years as I’m not able to find work I don’t want to pay mortgage after her

James L. Arrasmith
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answered on Mar 4, 2024

If you suspect your name was added to a mortgage without your consent, it's crucial to act promptly to address this issue. The first step is to gather all the relevant documents and information related to the mortgage. This includes the mortgage agreement, any communication with the lender,... View More

1 Answer | Asked in Criminal Law, Federal Crimes and Banking for California on
Q: Hello, I am looking for some advice for a legal issue. When I was 17 years old, I opened a credit card and a bank accoun

Hello, I am looking for some advice for a legal issue. When I was 17 years old, I opened a credit card and a bank account. Under all my information, such as social security number, name, address, everything was correct, except for the year of my birth, which I set to be 18 instead of my correct... View More

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answered on Mar 3, 2024

Addressing this issue involves taking proactive steps to correct the misinformation with the bank and credit card company. Contacting them directly to explain the situation and requesting guidance on how to amend your date of birth on your accounts is a good starting point. Most institutions have... View More

1 Answer | Asked in Contracts, Banking and Construction Law for Colorado on
Q: I wrote out a painting bid proposal sheet and gave an estimate for work.to.be preformed. The bid asked for half pay

To start upon acceptance of bid. They called my business associate and said they accepted the proposal he then went down and got a check from the bank that wrote and signed the proposal for. He took the money and for the wro.g equipment for the job and pelht the rest of his money towards his... View More

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answered on Mar 2, 2024

When a bid for a painting job is accepted and payment is made, the expectation is that the funds will be used as agreed upon - to cover expenses related to the job, such as purchasing the right equipment and materials necessary to complete the work. Misappropriating these funds, especially for... View More

1 Answer | Asked in Contracts, Banking, Construction Law and Business Law for Colorado on
Q: I wrote out a painting bid proposal sheet and gave an estimate for work.to.be preformed. The bid asked for half pay

To start upon acceptance of bid. They called my business associate and said they accepted the proposal he then went down and got a check from the bank that wrote and signed the proposal for. He took the money and for the wro.g equipment for the job and pelht the rest of his money towards his... View More

James L. Arrasmith
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answered on Mar 2, 2024

In the situation you've described, where a business associate accepted a payment on behalf of your business for a painting job and then misused those funds, several legal and ethical issues are at play. Once a bid is accepted and a payment is made, the funds should be used as agreed upon in... View More

1 Answer | Asked in Banking, Civil Litigation, Contracts, Estate Planning and Identity Theft for California on
Q: I think my family and my husbands family forged tricked me and my husband forged and altered documents what can I do?

we keep having bank issues and we went to a bank and my father in law knew the bank employee and we found accounts opened illegally and are signatures forged them my brother said he worked fkr triple A bit its an interexchange insurance agency and they altered and misrepresented what tyoe of... View More

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answered on Mar 2, 2024

Under California law, if you suspect fraudulent activity, such as forged documents, identity theft, and unauthorized opening of accounts or businesses in your name, taking immediate action is crucial. First, consider contacting a legal professional with experience in fraud or financial crimes. They... View More

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