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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
I did a transaction for $795. The merchant claimed they didn't receive payment, but I was charged and my bank says the transaction was successful. I did a 3 way call with the merchant and my bank and it was made very clear that there was an error with the payment from my account. The merchant... View More
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answered on May 10, 2024
Under the federal Electronic Fund Transfer Act (EFTA) and Regulation E, which also apply in California, your bank generally has 10 business days to investigate an reported error, not 90 days. They must resolve the issue within 3 business days after completing their investigation.
Since you... 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
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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
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
Deceased died in 2021. At death his business bank account had 180,000. No other property. A few weeks prior, he told girl friend to pay debts to 2 people totaling 46,000. One is a court order of $36,000, the other is a loan repayment. She didn't do it before he died. His children want to... View More
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answered on Apr 15, 2024
Based on the information provided, it seems the deceased's estate might qualify for the small estate affidavit procedure in California, as the total value of the estate appears to be under the $184,500 limit (as of 2023). However, there are a few potential issues to consider:
1.... View More
a debit card arrived at my home, she asked me to open and see what card it was and help her purchase items for delivery to her at a hotel. I did this and she then is claiming I stole the card and has been avoiding me to close the communication so she can " go to police" and accuse me of... View More
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answered on Apr 8, 2024
Under California law, your actions do not appear to constitute theft or any other crime based on the information provided. Here are a few key legal points to consider:
1. Consent: If your niece asked you to open the mail containing her debit card and make purchases on her behalf, you had... View More
a couple years ago my dad made me a shared account as a minor for this credit union, mission federal, one day i zelled myself about $400 and spent it of course using the credit card information on the account he made for me when i was a minor , i lied to him said it wasent me and he left it at that... View More
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answered on Apr 8, 2024
Under California law, credit unions are allowed to deny opening an account based on information from ChexSystems, which is a consumer reporting agency that tracks banking history. However, there are a few things you can do to try to open a new account with Mission Federal Credit Union:
1.... View More
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answered on Mar 18, 2024
Under California law, if someone accidentally sends you money, such as through an automatic monthly deposit, they have the right to request the return of those funds. This principle applies regardless of the relationship between the parties involved. If your ex-partner has been making deposits into... View More
I have been disputing transactions with Cash App, I hired a marketing firm that made claims that are proven untrue. Before I signed up with this marketing company, I asked why them. They claimed all their work is done in-house, top tier graphic designers, etc. Then they went into their awards and... View More
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answered on Mar 16, 2024
In California, when disputing a debit card transaction on grounds of breach of contract, it's crucial to present your case clearly and concisely. If you have evidence showing that the marketing firm made false claims about their credentials and partnerships, this can indeed form the basis of a... View More
I thought that in California the max that a checkashing place could charge you to cash a government check is 3% How do I hold them accountable to get my money back?
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answered on Mar 16, 2024
Under California law, the maximum fee that can be charged for cashing a government check is generally lower than what you've been charged. If the fee exceeds the legal limit, which often is around 3% for government checks, then the charge of $1,500 for a $21,150 government check appears to be... View More
I thought that in California the max that a checkashing place could charge you to cash a government check is 3% How do I hold them accountable to get my money back?
answered on Mar 18, 2024
Let's see here. Just as an fyi, you should know, I answer on average here about once a day and I do so to try to do my part in helping the public. I will usually only respond when I have something to offer and here, in a slightly different vein, my 'offer' is not exactly going to... View More
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
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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
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