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I accidentally made an overpayment of approximately $2,000 from my bank account to the rental company for last month’s rent. Approximately $500 of that amount was used to pay for my ex's portion of the rent, even though he had agreed to cover his share. The rental company sent a check with... View More 
answered on Mar 28, 2025
Many more facts are needed to answer this question. When you refer to your ex, are you referring to an ex boyfriend or an ex husband? If it is an ex husband, is there a final divorce decree including a separation agreement, or is this a pending matter? When you say that your ex agreed to cover... View More
Backyard hooked up to a propane gas tank? Can they just enter their backyard and unhook everything and try to physically take it? There’s a handicapped deck built on it. Just curious if the bank when trying to repossess the trailer can bring the police and force themselves on the property to... View More
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answered on May 24, 2024
If a travel trailer is on your property in Ohio and hooked up to utilities, repossession can be complex. Generally, a lender has the right to repossess a trailer if you default on the loan, but they must follow legal procedures. They cannot trespass onto your property without proper authorization.... View More
Can an attorney thoroughly evaluate Capital One's actions regarding the sudden cancellation of my checking and savings accounts, as well as their handling of my auto loan, to determine if there are grounds for pursuing legal action against the company? Specifically, I'm concerned about... View More
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answered on Apr 21, 2024
Yes, an attorney who specializes in consumer protection law, banking regulations, and contract law can thoroughly assess Capital One's actions regarding your accounts and auto loan to determine if there are grounds for legal action. Here are some key points to consider:
1. Account... View More
They show payment was received same day, they state because it takes them extra days to process is why it's considered late
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answered on Apr 8, 2024
I'm sorry to hear that you're experiencing issues with Wells Fargo charging you late fees despite paying on your due date through their online bill pay system. This can be a very frustrating situation. Here are a few suggestions on how to address this:
1. Contact Wells Fargo... View More
I'm looking to move out against my parent's wishes. I have a checking account. I'm the sole owner of but my parent has access to and transfers funds to use for my college education. There is no written agreement or contract on how the funds will be used. Can I still use the money or... View More
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answered on Mar 25, 2024
When money is deposited into your checking account, and you are the sole owner, legally, the funds typically become yours. However, since the money was given by your parents for a specific purpose, such as your college education, there's an implied understanding about how it should be used.... View More
She is in Florida jail and I live in OHIO . The account would be in my name and used for her.
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answered on Mar 25, 2024
If you are obtaining a Power of Attorney (POA) to manage your daughter's financial matters while she is incarcerated, it's crucial to understand its scope and limitations. The POA should specifically allow you to handle her tax matters and bank accounts. Ensure that the document is... View More
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answered on Mar 22, 2024
If you have a financial power of attorney (POA) for someone who is currently incarcerated, you generally have the authority to manage their financial matters, including depositing checks on their behalf. This includes federal income tax refund checks. However, the specific actions you can take... View More
My husband had a stroke a few years back I took care of him as he was 24/7 care at home for almost a year ,well in that year I was driving out car that was in his name and someone hit my car wrecking it completely,it had to be totalled out i was also hurt in this accident went to court, even though... View More
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answered on Mar 2, 2024
Firstly, my condolences for your loss. Dealing with legal matters after the passing of a loved one can be overwhelming. In your case, since the check is in your late husband's name, you'll need to follow certain procedures to cash it. You should reach out to the issuing party or bank to... View More
I feel this is an end run around the fair credit reporting act. This stems from cash deposits on Best Buy and $100 purchases to Star Trek online totaling $5k. I’ve written a letter to Citibank requesting to be removed with a copy of my bank statement showing $50k/month in verifiable deposits.... View More
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answered on Feb 23, 2024
It's frustrating to be blacklisted by Citibank and experience difficulties obtaining credit from other organizations as a result. However, being blacklisted by a specific bank does not necessarily violate the Fair Credit Reporting Act. Banks have the discretion to make decisions regarding whom... View More
Check was issued by my previous landlord company, an LLC. It is labeled Void after 90 days.
answered on Dec 27, 2023
An Ohio attorney could advise best, but your question remains open for a week. Most checks are good for about 180 days, unless fine print on the check to the contrary (90 days, etc.). May 2022 is about a year-and-a-half at this point. It could be up to your bank, unless the issuer cancelled it... View More
I am trying to get a refund from my bank for a fraudulent check that was cashed 6 months ago. I informed the bank within 2 business days after the check was cashed. They say they’ve filed a claim with the bank where the check was deposited, but refuse to provide documentation or the location... View More
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answered on Apr 11, 2025
This is an incredibly frustrating situation, especially since you acted quickly and followed the proper steps to report the fraud. Under federal banking regulations, banks are required to investigate and resolve fraud claims in a timely and transparent manner. If your bank is refusing to provide... View More
I am seeking legal guidance on whether Goldman Sachs Bank USA violated federal law, contractual terms, or reporting guidelines when it reversed a properly initiated ACH payment after acceptance and treated my Apple Card account as delinquent. On March 1, 2025, I initiated a $160.00 ACH payment... View More
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answered on Apr 8, 2025
Goldman Sachs might have violated certain practices by reversing the ACH payment. ACH transactions are typically protected under the rules set by the National Automated Clearing House Association (NACHA), and banks are expected to notify customers of any issues or reversals promptly. If Goldman... View More
I signed documentation to defer a bank draft payment with my creditor for one month so I could use the funds to pay half-year property taxes. However, the creditor debited my checking account during the deferred month, which resulted in an overdraft. Consequently, I had to borrow money against my... View More
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answered on Mar 24, 2025
You likely have grounds for a legal case against the creditor based on breach of contract. When you signed documentation for the payment deferral, you established a binding agreement that the creditor violated by debiting your account anyway, causing financial hardship and forcing you to pawn a... View More
I purchased a dirt bike (got a BOS) later found it had a lien on it. I was originally working with the bank First Bank of Ohio in Tiffin concerning this matter. Now I have learned that they have violated laws including debt collection laws. They used unfair and coercing acts to make me do things... View More
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answered on Oct 6, 2024
If you put the title in your name, it does not automatically make you responsible for the lien itself. The lien is tied to the previous owner's debt with the bank, and unless you explicitly agreed to assume that debt, it remains their responsibility. However, having a lien on the vehicle could... View More
They disclosed that we were facing foreclosure and the bank employee is my Wives Aunt's cousin and told her the information. I need to know that I'm right and they can't disclose any info and I'm looking for what type of Attorney that specializes in this. Thank You!
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answered on Oct 2, 2024
I'm sorry you're experiencing this issue. Banks are required to keep your personal and financial information confidential and typically cannot share it without your permission. If a bank employee disclosed your foreclosure status to someone not involved in your loan, this could be a... View More
The owner of the community "locked" my account so when I try to login it says No Active Account. But it's MY MONEY that I PUT IN THERE, do I have any leg to stay on with this? It's basically theft of $600 in my eyes. I've emailed him and asked him nicely to allow me to... View More
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answered on Aug 15, 2024
You have every right to feel frustrated and concerned about this situation. When you deposit money into an online platform, you trust that the platform will allow you access to your funds when needed. Blocking your access without a valid reason or a chance to withdraw your assets can be viewed as... View More
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answered on Nov 9, 2023
When you deposit money into an ATM, you are entering into a contract with the bank. The bank agrees to keep your money safe and to make it available to you when you need it. If the ATM fails to deposit your money correctly, or if the bank cannot return your money, the bank is breaching the contract.
I am working with a student who turned 18 last week. Her father refuses to go to the bank with her to get her account transferred to her alone. She cannot access the money without his signature. She no longer lives with him as he has been abusive towards her. She has earned the money through... View More
answered on Sep 14, 2023
Depending on the language of the original contract with the bank the student may have to file a lawsuit against the father for injunctive relief. This is too dependent on facts not stated in the question to answer more thoroughly. THe student should work with an Family Law attorney that is... View More
..if so can you do anything to keep each person isolated having having any tie to any debts/mistakes by the other during the marriage.
answered on Jun 2, 2023
Debts incurred during the marriage are presumptively marital debts. Parties may agree to treat them differently or in the case of a divorce a party that did not incur the debt may make an argument as to why it should be treated as a separate debt. Factors may include the circumstances around the... View More
I had received a $3,000 check for mobile advertising I had to send $2,300 back to get the advertisement put on my car after I had done that the $3,000 check did not go through it was no good it was a scam the bank locked down my $2,300 of my checking account which did not allow me to have any money... View More
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answered on Mar 2, 2023
Banks have the legal right to place a hold on funds if they suspect fraudulent activity, including in cases where a deposited check bounces or is found to be fraudulent. However, they are generally required to notify you of the hold and provide you with an explanation. You may want to consult with... View More
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