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Tennessee Banking Questions & Answers
2 Answers | Asked in Banking and Contracts for Tennessee on
Q: Can a bank hold a paid off title for a different loan in default?

I paid off my vehicle loan, and the bank is holding the title because I have another unsecured loan in default with them. They mentioned I need to be in good standing for them to release the title. There were no previous liens on the vehicle. Can the bank legally hold the vehicle title for an... View More

Michael R. Stooksbury
Michael R. Stooksbury
answered on Jun 29, 2025

This analysis is very fact-dependent. Generally, if a loan is unsecured, a lender cannot take or without property without registering a lien and/or going through a judicial process. Here, however, you very likely have a provision in one or both of your contracts for your loans that allows the bank... View More

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1 Answer | Asked in Civil Litigation and Banking for Tennessee on
Q: I recently applied for a Heloc loan and when the title search was done it had 2 judgements on it.

they were for my ex wife not paying her credit cards. 1 was 10 years ago the other 6,,,,,..divorced 6 years ago and we kept all separate accounts. How can i get these off my title?

Anthony M. Avery
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answered on Jun 18, 2024

Judgment Lien is effective for ten years from date of Judgment, unless extended for another ten years. On the older one, you might demand creditor remove the lien. But the six year old lien is probably still valid. You may be able to get creditor to compromise and release lien for cash.... View More

1 Answer | Asked in Contracts, Banking and Collections for Tennessee on
Q: Defaulted on an auto loan, they want to repossess, I have title in hand with no lien holder listed, can they take it?

Former boyfriend purchased a vehicle for me, got into a wreck, insurance paid off the loan, got the exact same vehicle again and bank sent the title for the new vehicle to us, title only shows boyfriends name and shows the new cars VIN number, no lien holder listed, can they still take it?

James L. Arrasmith
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answered on Mar 20, 2024

If the title to the vehicle is in your former boyfriend's name and does not list a lien holder, this typically means there is no legal claim on the vehicle from the bank, as it usually would be listed if there was an outstanding loan secured by the vehicle. However, if there was an error and... View More

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... View More

2 Answers | Asked in Criminal Law, Banking and Communications Law for Tennessee on
Q: I recieved a check from the neca local union no 313 ibew. The bank is trying to tell me that I altered it. What do I do

I tried to look info up on chk and it sent me to your website. I also received a text message about it. I'm so confused

Anthony M. Avery
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answered on Feb 19, 2024

You will need to ask the union to reissue another check in exchange for the allegedly faulty one. Or deposit it into another bank. But first be sure you have not done anything wrong. You may need to consult with an attorney as apparently your bank is wanting to prosecute you, and any forgery... View More

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2 Answers | Asked in Criminal Law, Banking and Communications Law for Tennessee on
Q: I recieved a check from the neca local union no 313 ibew. The bank is trying to tell me that I altered it. What do I do

I tried to look info up on chk and it sent me to your website. I also received a text message about it. I'm so confused

James L. Arrasmith
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answered on Feb 23, 2024

It sounds like you're feeling overwhelmed by the situation, but it's important to stay calm. Firstly, double-check the authenticity of the check by contacting the NECA Local Union No. 313 IBEW directly. They can confirm whether the check is legitimate and provide any necessary... View More

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1 Answer | Asked in Identity Theft, Public Benefits, Social Security and Banking for Tennessee on
Q: I want to sue my ex stold my identity and social security benefits from2017 when i was incarcerated til 20& My stimulus

I lost all my paperwork. But he had 5 chime cards out in my name when I found out in 2021.

It happened in dickson tennessee he was also very abusive to me and I am very much mentally disabled and I am praying that I have a chance to make sure that he is not going to get away with his... View More

James L. Arrasmith
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answered on Dec 26, 2023

You have grounds to take legal action against your ex for identity theft and the fraudulent collection of your social security benefits. Identity theft is a serious crime, and if your ex used your identity to obtain benefits and open accounts in your name without your consent, this is a matter that... View More

2 Answers | Asked in Banking, Contracts and Entertainment / Sports for Tennessee on
Q: I am wanting to find out if any entertainment contracts have been fraudulently signed in my name or who approved the use

Of my insinuated self through the Kardashian -Jenner family and the Ozboure's family on TV shows and CNN etc. How do I find out if such contracts exists

Kirk Theodore Schroder
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answered on Nov 29, 2023

To investigate whether entertainment contracts have been fraudulently signed in your name, or to find out who authorized the use of your implied self in connection with the Kardashian-Jenner and Osbourne families on TV shows and networks like CNN, you should take the following steps:... View More

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1 Answer | Asked in Consumer Law and Banking for Tennessee on
Q: How can I resolve a billing dispute with a storage company over auto-pay issues?

I have a storage unit with Pods in Maryland. They claim I owe them $1,000, but I have proof that I paid. Payments are made via auto-pay from my bank, yet they continue to withdraw money and insist on the debt. They are not acknowledging any payments made and focus only on the claimed amount of... View More

James L. Arrasmith
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answered on Oct 27, 2025

Start by protecting your account: instruct your bank in writing to place a stop payment on PODS’ ACH debits and revoke the auto‑debit authorization, and request reversals for any unauthorized or erroneous debits within the applicable 60‑day window. Under the Electronic Fund Transfer Act and... View More

1 Answer | Asked in Banking, Construction Law, Contracts and Real Estate Law for Tennessee on
Q: Advice on bank mishandling construction loan and overpaying contractors without inspection.

I obtained a construction loan to build my new house, but the bank overseeing the loan spent the funds by overpaying the contractors without proper inspections. As a result, I had to hire different contractors and pay them out of my pocket to correct and complete the construction in order to... View More

James L. Arrasmith
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answered on Sep 18, 2025

You are facing a situation where the bank managing your construction loan did not follow proper procedures, leading to overpayment of contractors and forcing you to spend additional money to complete your home. The first step is to gather all documentation, including your loan agreement, inspection... View More

1 Answer | Asked in Banking, Civil Rights, Employment Law, Identity Theft, Public Benefits and Consumer Law for Tennessee on
Q: Can I sue Comerica Bank and Direct Express for fraud and ADA violations in TN?

I am considering taking legal action against Comerica Bank and Direct Express for fraud, disability discrimination, and mishandling of my stolen federal benefits. Comerica Bank denied my fraud dispute without a real investigation, citing a "pattern" but failing to provide ATM footage,... View More

James L. Arrasmith
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answered on Jul 26, 2025

You’ve been through a deeply frustrating and painful experience, and you’ve taken some powerful first steps by filing complaints and documenting what happened. If Comerica Bank and Direct Express failed to investigate your fraud claim properly—especially when federal benefits were... View More

2 Answers | Asked in Banking, Contracts and Civil Litigation for Tennessee on
Q: Can my dad transfer my check money from our joint bank account without consent?

I have a joint bank account with my father, and he has been cashing checks that are made out solely to me into this account. After that, he transfers the money into his own account without my consent. We do not have any formal agreements regarding the use of funds in this account, but these checks... View More

Kent Thomas Jones
Kent Thomas Jones
answered on Jun 9, 2025

Money in a joint account is subject to removal by any party. I would open up a personal account to put your checks in.

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1 Answer | Asked in Consumer Law, Identity Theft and Banking for Tennessee on
Q: Scammed using ID.me, EDD payments in my name, need resolution.

I was scammed into sharing my ID.me account, and someone used it to verify a bank account and receive EDD payments in my name without my knowledge. I recently learned from a bank that an account was closed in my name due to an EDD deposit from 2021. I've already filed a police report regarding... View More

James L. Arrasmith
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answered on Jun 1, 2025

What you’re going through is serious and incredibly stressful, but you’ve already taken one of the most important first steps by filing a police report. Since someone used your ID.me credentials to verify identity and fraudulently collect EDD benefits, it’s important to make sure every agency... View More

1 Answer | Asked in Banking and Consumer Law for Tennessee on
Q: Difficulty finding auto loan under 11% APR with good credit and $3,000 down.

I'm experiencing difficulty in finding a loan for a used car with an APR under 20%, even though I have a good credit score and am offering a $3,000 down payment. I want the APR to be under 11%. This is for a new loan, and the lenders at Jenkins Wynn Ford and Honda are offering high APR rates.... View More

James L. Arrasmith
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answered on May 15, 2025

It’s frustrating when you're being offered high APR rates, especially with good credit and a down payment. The issue could stem from a few factors beyond just your credit score, such as your job history. Lenders often look for stability in employment, and having only six months at your... View More

2 Answers | Asked in Contracts and Banking for Tennessee on
Q: Is "Paid in full" check accord and settlement for car loan?

I paid my car loan in Tennessee via a check marked "Paid in full" under the legal line and memo along with the account number. The payment was processed through the drive-through at my bank, and I was previously denied the option to pay online because I needed to update my software. There... View More

Anthony M. Avery
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answered on Apr 20, 2025

It is probably an accord and satisfaction of the debt but you might get sued anyway. Demand the lien be released off the title. That will get the lender to sue you on the debt if they dispute it, which you defend with a sworn denial with a copy of the check as an exhibit.

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2 Answers | Asked in Banking, Consumer Law and Civil Litigation for Tennessee on
Q: Is a notarized satisfied lien legally binding if creditor demands payment later?

I had a boat loan which was fully settled, as confirmed by a signed and notarized document from the creditor stating that all obligations were met. Afterward, I attempted multiple times, through phone calls and a visit to their branch 70 miles away, to pay them, but was always told the case was... View More

Anthony M. Avery
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answered on Mar 3, 2025

If you get sued, use the satisfaction in Court. Make a written dispute with the credit agencies, citing the satisfaction.

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1 Answer | Asked in Banking, Civil Litigation and Identity Theft for Tennessee on
Q: l have a very unique case that has never been in a court of law due to the deeply rooted subject matter_Trust & wills
Anthony M. Avery
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answered on Nov 11, 2024

Hire a competent lawyer to consult. Very few know anything about trust and will litigation.

1 Answer | Asked in Banking, Civil Litigation, Federal Crimes and Identity Theft for Tennessee on
Q: I was robbed by the police, harassed illegally evicted, what can I do? What laws or cfrs can help me recover/ prosecute

Economic crimes was informed in 2020 but has not reached out

James L. Arrasmith
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answered on Sep 5, 2024

If you were robbed by the police, harassed, and illegally evicted, you have several legal options to consider to seek justice and recovery. First, document all the incidents in detail, including dates, locations, the names or badge numbers of officers involved, and any witnesses. Keep all... View More

1 Answer | Asked in Consumer Law, Banking and Social Security for Tennessee on
Q: Doordash won't tell me nothing they said the bank has to get the information from them that it's against a privacy law

My bank account was hacked and as soon as I realize there was money missing and online charges I notified the bank I went down there to the bank and they gave me a new debit card and said they would look into it because I disputed all the unauthorized charges I also make sure to advise the lady... View More

James L. Arrasmith
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answered on Jul 28, 2024

It sounds very frustrating and concerning that your accounts have been hacked and you haven't received any updates from your bank. First, contact your bank's customer service and insist on speaking to a manager or a fraud investigation team member. Clearly explain the urgency and detail... View More

1 Answer | Asked in Adoption, Arbitration / Mediation Law, Banking and Business Formation for Tennessee on
Q: Any charge I may have or any of my close family record clear

I have a friend that’s not guilty and she didn’t have any court knowledge with a public defender in murder case that was self defense her name is Monhogani Plummer she’s in Newport At please get her case appealed

Anthony M. Avery
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answered on Apr 30, 2024

What is your question? If no conviction yet, she needs to hire a real attorney.

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