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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 
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answered on Apr 16, 2025
Typically, platforms like CashApp reserve the right to suspend accounts if they suspect fraudulent activity or violations of their terms, which may include using the service for gambling if it is prohibited. Additionally, the Bank Secrecy Act (31 U.S.C. § 5311 et seq.) requires financial... View More
I received an email from someone claiming to be Mr. Powell, Chief Officer of the Federal Reserve Bank, stating that I owe a lump sum of money. The email includes his contact information and offers three methods for me to receive funds but requests my bank account and routing number. There were no... View More
answered on Mar 22, 2025
The Federal Reserve Bank doesn't collect money from taxpayers. That's the IRS. If you must, the contact info for the Federal Reserve for the western US is here:
federalreserve.gov/aboutthefed/federal-reserve-system-san-francisco.htm
I opened an online Chase bank account years ago and transferred money from my E*TRADE account. Chase locked my account in December 2021, asking for proof of identity. At the time, I didn't have the requested documents. Over time, I obtained my ID and presented all required documents at... View More
answered on Mar 20, 2025
Sorry for your issues. Seems really odd. For 'easy' fix, try going in based on the following:
"Despite having documentation from Chase stating a check for the remaining balance would be issued, I never received it." Go into any chase branch, note that they said they... View More
I paid my son's life insurance for 10 years through automatic bank payments. Recently, due to a bank system change, my March 2024 payment wasn't processed, leading to the insurance policy's cancellation. The insurance company claims they didn't receive payments for March, April,... View More
answered on Feb 14, 2025
This question came up under several different headings. Please note the appropriate topic is "Banking" or "Civil Litigation". It does not involve insurance or personal injury. I don't think you have a cause of action against the insurance company because they didn't... View More
answered on Dec 16, 2024
You should immediately dispute the issue with the bank (and preferably in writing). You'll likely also want to complete a police report to give to the bank to verify the identity theft and respond accordingly if the bank asks for any follow up information from you. Keep track of everything on... View More
On March 31, my son hit the car in front of him, and the other party pressured him to pay via Zelle on the spot without providing a repair estimate. Afterward, they requested more money through text messages, and my son made a bank transfer that same day. However, he immediately tried to cancel the... View More
answered on Oct 15, 2024
As far as the bank is concerned, they simply followed your son's instructions. If he got scammed, it's not the bank's fault. You don't get to have the bank pay you back.
Worthy of consideration is that your son caused damage to the other car, and the other is owned by... View More
On March 31, my son hit the car in front of him, and the other party pressured him to pay via Zelle on the spot without providing a repair estimate. Afterward, they requested more money through text messages, and my son made a bank transfer that same day. However, he immediately tried to cancel the... View More
answered on Oct 16, 2024
I'm sorry about your son's accident and ordeal. I hope everyone is okay. It's your decision, but there's something to be said for handling this through your insurance carrier... how do you know the other driver won't come back in 10 months with an injury lawsuit? An... View More
I am a victim of the 2018 Camp Fire. Multiple times the court abused my civil rights. The judge refused to let speak on my behalf, lawyers voted for me with out being a client, bullied by the Tort lawyers, during litigation, and I was forced to represent my self because the lawyers refused to... View More
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answered on Jul 28, 2024
I'm really sorry to hear about your experiences with the PG&E Camp Fire litigation. Under California law, you have the right to file a complaint if you believe your civil rights were violated during the legal process. To start, you'll need to document all instances of perceived abuse... View More
my brother took the loan using my mom’s credit. My mom is not in the mental state to sign the agreement. If myself or my son who are the power of attorneys signed that document for my mom, where does the responsibility lie if the loan goes into default.?
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answered on Jul 24, 2024
If you or your son sign the loan modification document as power of attorneys for your mom, you are signing on her behalf, not assuming personal liability for the loan. Under California law, the responsibility for the loan remains with your mom, as the original borrower, even if you sign on her... View More
That was ok, but he woukd have to wait for his check to clear with my bank before he could take possession of the boat. We both agreed. I took the check into my bank branch and deposited the check into my checking acct. After 5 days the check cleared and was posted to my account. That same... View More
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answered on Jun 30, 2024
This is an unfortunate situation, and I'm sorry to hear you've experienced this fraud. To answer your question: Yes, banks can generally freeze accounts when fraud is suspected or detected. However, there are some important points to consider:
1. Check clearing process: While a... View More
I deposited my tax refund check to my account at chase bank on April 3 2024. After the check got cashed on April 15 2024 they closed my account and have my funds in suspense. Till this day I have not received anything from my refund check. I've gone multiple times in person and called customer... View More
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answered on Jun 29, 2024
This situation sounds frustrating, and it's concerning that Chase Bank is holding your tax refund funds for such an extended period without clear communication. Here are some steps you might consider taking:
1. Document everything: Keep a detailed record of all your interactions with... View More
I do not have a loan, collection's, an account with the named company in the transaction or its known affiliates. It was my and my disabled fathers rent money and now I'll have to get a loan to cover.
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answered on Jun 24, 2024
Based on the information provided, you might potentially have a case against the bank. Here's a brief analysis of the situation:
1. Unauthorized withdrawal: Banks are generally not allowed to remove money from your account without your permission, unless there are specific legal or... View More
Also there was a $50 additional charge every month for a auto detailing / paint protection application that I did not want in the first place, and was never received. But it was payed for every month as a additional fee added to my regular monthly payment. Also an employee of the bank repeatedly... View More
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answered on Jun 13, 2024
Based on the details you've provided, there seem to be several concerning issues with how the bank has handled your auto financing:
1. Incorrect insurance lapse charges: If your insurance had not actually lapsed, the bank should not be charging you additional fees. You have the right... View More
My sister said she would give me their house after they died. Unfortunately, she passed away three weeks ago. She never established the the trust. My brother-in-law with dementia (he knows who I am ) also said that I would be the one who inherits the house after he dies. He gave me all his bank... View More
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answered on Jun 6, 2024
I'm so sorry for your loss and the difficult situation you're in. Here are a few key things to know about power of attorney (POA) and establishing a trust in California under these circumstances:
1. Your brother-in-law would need to have the mental capacity to execute a power of... View More
Do judges take legal definitions into consideration in court cases?
What is the legal definition of co-signer?
What is the difference, in relation to a home mortgage, between a co-signer and co-borrower?
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answered on May 18, 2024
Yes, judges do take legal definitions into consideration when deciding court cases. Legal definitions are important because they provide clarity and consistency in the application of the law. Judges rely on these definitions to interpret statutes, contracts, and other legal documents.
In... View More
Do judges take legal definitions into consideration in court cases?
What is the legal definition of co-signer?
What is the difference, in relation to a home mortgage, between a co-signer and co-borrower?
answered on May 19, 2024
Thank you for your question!
First, The court considers the intent of the parties in the mortgage agreement. If the intent can be impliedly or expressly defined from the agreement, that meaning governs.
If there is no definition, the court will look at the custom in the industry,... View More
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answered on May 7, 2024
If you have received an FDIC certificate for BMO Bank National Association (Cert #16571), it means that your deposits with this bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum amount allowed by law, which is currently $250,000 per depositor, per insured bank,... View More
◦ I applied for affordable housing and paid the required deposit. The agency reviewed my income and bank statements. However, they unexpectedly requested access to my “IRA retirement account,” which I consider confidential. I asked if I could hide the account number, but they rejected this... View More
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answered on May 7, 2024
In this situation, you have a few options to consider:
1. Dispute the charge with your credit card company: If you paid the deposit using a credit card, you can file a dispute with your credit card issuer. Explain that you were verbally assured of a full refund if you didn't qualify... View More
answered on Apr 29, 2024
Thank you for asking the question!
Balloon payments are severely restricted after 2013, however they are still being used for some types of loans such as Permanent loans.
Permanent loans are payable on demand or on a fixed maturity date (that are not construction loan).
1.... View More
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answered on Apr 23, 2024
In California, it is uncommon for traditional fixed-rate or adjustable-rate mortgages to have a balloon payment requirement. However, there are a few scenarios where a balloon payment might be required:
1. If you have a non-traditional mortgage, such as an interest-only loan or a short-term... View More
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