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  1. ^didn't read ur message va retired. i didn't even scan it...stop replying. go back to your swamp in virginia while i enjoy my pleasant life here in southern california u grumpy cynical troll! get a life, go outside...oh no ur in virginia so there's really nothin outside in ur state's crappy climate. haha.
  2. Yes, additionally, how much common sense does it make to take out $200 from an applicant's bank account when the applicant reasonably assumed the divulging of her checking account number and routing number were used only for the purposes of APPROVAL of a secured credit card, and then provide NOTHING in return? By nothing, I mean, not an instant: "Congratulations You're Approved for a Citi Secured Credit Card (by virtue of subtracting $200 from the applicant's bank account after verifying the bank account and account holder name indeed existed) or a message to that effect such as your secured credit card will be mailed in 7 to 10 business days right at that moment or very shortly thereafter? It makes no common sense. In the U.S. of A we almost always pay and get something immediately in return or shortly thereafter, or at least we get notification that payment has been received for goods or services and that the goods or services are on their way; in the case of on-line shopping we'd get a message that the item is "preparing for shipment" or "has shipped," or we get a "thank you for your business" etc.
  3. For the most part, Judges look to whoever is more in a relation of power that would be the credit card industry or banking industry and therefore side with those who have less power or understanding--the consumer. So generally they are consumer-friendly vs. being lender-friendly / or credit card company friendly. Just the basics of all this, just alone on the general overview, it does not make sense to withdraw $200 from an applicants bank account and call it a "processing fee," and not approve a secured credit card. $200 of processing fees for what? The labor involved in reading the application? Come on! Stop focusing on the details and on its face and look at the general outline of this: the applicant does not get deducted $200 from his or her bank account right then and there and then get "approved" 2 days later. It's either you pay $200 and get a secured credit card right then and there in the form of notification of an instant approval or you don't get approved and thus you don't get $200 deducted....and please don't forget to answer the below questions in my original post involving consequences. Thank you. By the way, the applicant is a disabled person so shame on you for jumping into conclusions you retiree from Virginia. I'm helping that person. She spent 4 days on telephone calls for which she will never get that time back, she was stressed from all this and it added to more health problems, she never was paid for the time and stress of fixing a problem that she did not start but instead was misleaded into. She now needs to give the proverbial symbolic middle finger to the predatory credit card / banking industry--and get reimbursed. Citi needs to be punished so that it does not repeat this type of behavior again. I don't understand were you all on the side of banks during the Great Depression?? I know of only divorce lawyers that screw one's wife, tow truck companies, and some shady mechanics who are hated just as much as banks / credit card companies.
  4. There There was no signing of anything by the applicant. No e-signing or anything. Why are you and others so pessimistic and cynical? Thinking that it is me who was involved in this mess? I'm actually writing on behalf of someone who although unlike me has standing to sue, is too timid to post a question here?? You all must either work for the banking industry or have some friend or family who does? Can I get a consumer-friendly reply? All others will be ignored.
  5. When an applicant is approved for a secured credit card that is when funding should take place. It is unconscionable that ANY banking / credit card institution (let alone a more well-known one with probably higher standards like Citi) hold $200 in ransom and earn interest off of it (not much interest on $200 --but it is lots of interest when this is done to many, many applicants), then render a decision 2 days later. Factors in rendering a decision is not just $200, why else would Citi ask the applicant other non important things like how much the applicant earned in a year? A bank account with a verified identity of the applicant is what used to be all that was needed and of course, the applicant's finalization of the process by hitting "submit" "confirm" or any such other method to finalize the process and send in $200. There are clear "false advertising" or "misleading advertising" issues going on here. Citibank unilaterally takes $200 from the checking account of the applicant, not caring if they have (zero) in their bank balance, not caring if the applicant made a mistake and thought he or she had more in their bank account to cover the $200; If $200 was subtracted from the applicant's bank account then in no uncertain and clear terms, the website immediately after having done this would say "Congrats! You are approved!" Giving out a checking account and routing number via a secured website of a "reputable" company like Citi / Citibank / Citigroup which has been around for at least half a Century is what the applicant thought was needed not to withdraw money but instead to check or confirm that the applicant had a viable source to pay a secured credit card debt and any fees involved in the future. The applicant thought giving their checking account and routing number was to establish identity or as a criterion for "approval," the applicant in no way saw any message indicating that "you agree to the debiting of $200 from your bank account." Putting it differently, the applicant gave their checking account and routing number not to have the credit card company subtract $200, but only to establish identity or a relationship with a bank for the approval process, if the applicant was approved, he or she would then at a later time like 1 week later deposit $200 in their bank account or hit the "submit button" or the "Pay $200 right now," to finalize the transaction.
  6. Your attention span must be like those younger people and given your username "...retiree..." is kind of odd since older people like retirees are supposed to have a lot better attention spans. If you read what I wrote instead of selectively choosing what served you best to give an impression of a "hero" for the downtrodden, you would've read that I clearly stated the phrase "testing the waters," and nowadays even if you have a $200 security deposit, these secured credit card companies will not accept your application. Citi took the applicant's fee 1st and said the application is not approved but instead is in "processing,"and then decided to render a decision 2 days later. Let's try to keep the tone civil, instead of caustic. I'm not Robin Hood and you're reading too much into this.
  7. Title: "Citi" Citibank Citicorp Deceptive Secured credit Card Practices" Brief background: Generally in the world of secured credit cards, at least nowadays, even if the applicant has a $200 average industry-wide secured credit card fee, they may not be approved for the well-known secured cards like Capital One, 1st Premier, etc., such factors that may deny the applicant are: bankruptcy, a prior delinquent account with the lending credit card company, or serious delinquencies, gov't liens, etc. Citi its successors and / or assigns apparently and much to everyone's displeasure, likes to ask for a persons or applicants with fair or poor credit to give out their checking account and routing numbers, then take their money from their bank account without consent claiming it's a "processing fee," even if that applicant has a zero balance at the time (in which case, it may theoretically cause a negative $200 balance and overdraft fees by the applicant's bank to the applicant), then 2 days later it would "approve" the application. This is what problems such practices can cause: a) a negative $200 balance (if the applicant is "testing the waters" to see if he will get approved for such secured credit card) and the applicant has 0 money in their bank balance at the time. b ) overdraft fees charged by the applicant's bank at $35 on the 1st day and $35 two days later and then another $35 a day later, grand totalling $105 depending on the applicant's bank. c) requiring the applicant to ask their bank to put a "stop payment" on Citi which is a $30 flat fee. d ) the applicant having to deal with angry, insensitive, incompetent overseas outsourcing agents (like in India or the Phillipines) which either promise things they don't deliver or hang up the phone on the rightfully-so-irate-applicant. Such "promises" that are justified with the theme of being eager to please new customers can actually cause more harm than good since the applicant is deceived and awakes to his bank account having a negative $200 balance and a $35 overdraft fee (it's not fun to expect $300 from a relative into one's bank account to help with unexpected car expenses, to find out that you only have $100 in one's bank account) e) this last point (or problematic issue) bears repeating: a person awaits $300 from a relative on a Monday to help with necessary and unexpected unpleasant surprising car repairs to find that instead of $300; they have $100 or $75 after the $200 unexpected ACH withdrawl by Citi secured credit cards Hey, didn't we have to first have money in our bank account before you deducted $200 unilaterally on your own without our consent? and also isn't the case that if the applicant's credit was not just poor, but downright bad and delinquent with all the derrogatory connotations associated with that even if the applicant decided to fork over another $300 to override any fears the secured credit card company had, it still may not be approved? Needless to say, one applicant had opened up a claim with their bank because they indeed have car repairs that had to be handled on a Monday, to find only $75 in their bank account after their relative sent $300 (a $200 secured Citi card fee and a $35 bank overdraft fee is to thank for that) Said applicant was successful (because he was by dumb random luck-- lucky enough to awake at 4 am Calif. time to find this problem on their on-line bank statement) in removing the aforesaid -$235 in their bank account so that the entire $300 was indeed received to make car repairs that HAD TO BE DONE THAT MONDAY and not on Tuesday or Wednesday or even Thursday. If the applicant did not check their bank account that 4 am on a Monday morning by sheer dumb luck and found out this huge problem, then this, a -$235 negative balance, would have been posted by the bank which meant that the applicant would have to wait 1-3 days later till the bank took its time in reversing these charges meaning the car repair that had to be done on Monday would have to be done on Tuesday or Wednesday or even Thursday, which meant losing his job which he recently started and had no other way to get to work. Applicant much to his obvious chagrin (even after removing the $-235 charge and filing a claim with his bank and paying $30 for a stop payment and after on the phone with an outsource foreign agent of Citi who promised the application would be cancelled), then received an email and this email said in writing your new card will arrive in 7-10 biz days.... Applicant then decided to await the $200 secured credit card and then "scew" Citi , Citibank, or whatever East coast big city New York chemical Chase Manhattan bank slime ball bank-ster organization this entity is also known as. Applicant went ahead and used the $200 secured credit card even though he knownigly knew he had been reimbursed and thus it was a free $200 secured credit card, Applicant 1st found out from a Citi phone rep what was needed to activate the card when it was received in the mail and found out no personal info. was needed just the acct. number, Applicant then claimed the Citi secured card was lost in the mail and / or some other person stole it and activated it and used the money What are the banking law or criminal or civil law consequences of such behavior by the applicant who decided to act like Robin Hood and add gas to his car using the $200 secured credit card, buying food for himself and for some non-drug using homeless families? (none of which can come back to him as in like ordering stuff from on-line shopping and having it mailed to his home under his name?) Are we talking about his bank deciding to close this applican'ts account? (for the possibility of filing a false claim)? Are we talking about a negative credit report on the applicant (which he can deal with)? or worse? Thanks in advance for any help you'd be able to provide.
  8. Hello, I did business w/ someone on craigslist 3x. it wasn't local, the seller was 3 hours south of me (i should have heeded the CL warning about dealing only locally) the 2x she was receptive and i received my item as described the 3rd time, ahe disappeared off the radar. the usps shows that the money order was cashed by her the amount in question is 19 dollars which I sent for this 3rd dealing with her and obviously this 3rd time I didn't get the item she hasn't returned my phone calls filing a complaint with the usps since I mailed payment and the money order was obvisously us mail covered under federal laws anyway filing a complaint for 19 bucks with the US Postal Inspection Service seems to be a waste of time? Am I right? the amount is for 19 dollars less than 20 bucks and what's different than the other 2 times I dealt with this individual, I have NOTHING IN WRITING that says hey here is $19 for the 3rd item you have for sale; Furthermore, it is not written in the Memo section of the usps money order nor are there any texts evidencing good faith of an exchange of 19 bucks for a particular product. The US Postal Inspection Service is probably backlogged an inundated and too busy to follow through for 19 dollars right? especially since I don't have any written back up evidence on the 3rd transaction Do you think the better alternative is suing her in small claims court? \\ thanks for any constructive help
  9. thank you for your help, it is appreciated, especially during the holiday season, no one wants to be bothered by this. I copied and pasted what you wrote. anyone else?
  10. Hello, thank you in advance for any constructive help, I rent a bunk bed (see below), I don't have a lease (see below), but right now, a lease isn't usually required for a bunk bed rental situation so I guess, it's month to month I received a 30 day Notice to Vacate on the door of my room for rent today 11/21/16 I did nothing to precipatate or initiate it (through no fault of my own). I have paid my rent on time It was taped to the front door of my room for rent It was not mailed to me by certified mail return receipt On that 30 day notice the landlord refers to as "to all must vacate on or before 12/21/16 that is when I will change the locks and turn off the water and other utilities.) Here are the pieces of evidence I have that show I rent there: I have an AT & T internet bill in my possession mailed to me at the property I have the front door house key I have a receipt that shows I paid the owner on November 2, 2016 I have my property in the rental unit I have the apartment unit mail box key This is a beach house rental unit with bunk beds. There are 7 people living in a 2 bedroom apartment unit This could not have come at a worse time, right in the middle of the holiday season. The landlord claims he has another property for me and 1 other roomies since we did not cause him problems by notifying the City or government agencies of problems he had neglected which were raised by other roomies here But, I sort of don't trust him His notice to vacate may be retaliatory on other roomies or out of fear that building inspectors will cite him or make him pay fines for various violations that he has neglected What happens if on December 21st, at the 30 day mark, I am not able to find another place? I do have squatters rights don't I? I don't like to do it, but can I fight the eviction? Can the landlord legally change the locks on December 21st, 30 days later? It also doesn't seem that the landlord has used proper service of process? He should have mailed the 30 day via certified mail return receipt, right? Thanks, again for any help as it seems that again this is the worst time due to the holidays, it will be almost impossible to find rental vacancies. Also, doesn't the landlord need an eviction order from a judge in order to change the apartment unit locks after December 21, 2016 (the 30 day mark)? Thanks, again
  11. I sold something on paypal for $2300; now no item to deliver & no refund...jail? or lawsuit? I sold something on paypal directly for $2,300 Now I don't have the item nor do I have the guy's money. The person I gave the item to deliver absconded with it. He called me & said not to go to the cops cos he knows gang members who'd hurt me. Can I go to jail? or is something like this a civil non criminal matter? If I do go to jail I live in California which might interpret this as a Grand Theft matter of possibly selling something I never had to sell (false pretenses). Grand theft in CA is the same thing as Grand Larceny in NY or NJ....but just worded differently. It's for the "theft of something valued over $1000". The item I sold does fall into this category cos I received $2,300 for it...but I did not ship the item cos the person I entrusted to ship it stole the item as I stated above. I don't have the money to refund the buyer. Paypal has reimbursement practices to have the buyer get reimbursed. Isnt this just a civil matter. If not how much jail time would I get for this? (if any)....
  12. check out my intial thread in r.e. L & T law last week. i specifically asked for sarcastic replies & i got 2 worthless replies from 2 equally worthless pieces of trash--fatten & sparkless. save the abusive language for attorneys--YOU BOTH ARE NOT ATTORNEYS. here's how you don't answer a findlaw reply from someone facing a grave, serious, & sad legal issue. first of all when the person posts the question and asks not to be spoken to in a condescending way, you don't put sadistic hurtful language which can be construed by a person of normal sense & sensibility with a phrase like "thrown out on your ear" i hope they throw you 2 internet trolls who seem to never have a legal question of your own, but pretend to play fake lawyer by posting hurtful responses or responses in a callous, cruel way as recently mentioned above, on your overweight posteriors. you both definitely have issues with men, judging by your attack on my user name (niceguy 777). although, it's obvious this isn't an etiquettte forum, you should practice some ettiquette with regard to answering people's questions here on this website, all of whom are facing serious and worrisome legal problems/issues. obviously your mommies and daddies were absentee. don't reply me ever again. your "information"/replies were useless. for example, a deaf dumb & mute moron would know to call the clerk to find out if and how much an Order to Show Cause costs, but do u honestly think that I'd want to spend 30 to 45 minutes over the phone with some overworked, busy, sometimes impatient & rude court clerk, when i can get the same info. from someone who's actually filed an OSC?! i have one final thing to say, here's what resonates: use your brain--think, before you answer...and it may be a good idea to spend more time improving your manners or save a portion of your income on charm/ettiquette school.
  13. I've broken this down into both "Background Info." & "Questions" parts. The background info. is to help you answer the question better. If it's "way too much information" as some childish users here have commented, then keep your hasty, negative, faulty opinions to yourself and work on your impatience and lack of a sufficient attention span. Thank you. Background Info.: My business partner and I rented a 3 bedroom apartment in California. Both our names are on the lease. He decided to move back with his parents because he basically want to save money. I therefore, was stuck with paying the balance of the rent which I cannot afford to do. Last week, June 14, 2011, I was served with a "Three Day Notice to Pay Rent or Quit" As stated above, I couldn't & still can't afford to pay rent since. Today, June 22, 2011, the property manager of the apartment complex visited me & was saw that the property was still occupied, he then posted a Notice that said "Eviction" on my door. *This aforesaid notice received today, 6/22/11, states: "If management doesn't receive rent by Wednesday June 22, 2011 (today) at 5:30 p.m., it will commence legal proceedings to gain possession." **It also states "if payment hasn't been made, there will be legal proceedings without any other notices sent." I intend to move as fast as humanly possible. I have a disability recognized by the federal government. Questions: 1) How much time do I have before the Marshal/Sheriff comes to my door to evict me? (I would think, it would be 1 month to get a court date for me to appear before a Landlord Tenant Court and to state my case & my side of the story, and then another month to schedule an eviction date, but I'm not sure). So, a total of 2 months from today in the state of California where landlord tenant matters are backlogged. 2) How much time would an Order to Show Cause give me? 3) Where do I get an Order to Show Cause? 4) What do I need to state on the "Show Cause Order" form? 5) How much is the filing fee for an Order to Show Cause? ***Thanks for your time and attention. Any constructive advice you can give me would be appreciated. Negative, spikey, caustic advice will be ignored and reported to the website administrator. The constructive advice (not just what you say, but how you say it), will help you and others practice their manners & etiquette in dealing, for example, with elderly clients (which can require patience) if you're an attorney. Thanks, again.
  14. hi. i entered into a lease for a childhood friend who moved to my area from another state after being away for 10 years. i did so because my friend didn't have an income yet, no job, having only as aforesaid recently moved to my area, although he is highly employable. i didn't prepare a sublease from me to him, i don't have any documents indicating in writing that he's essentially my roommate-a sublessee. i didn't prepare this document because i had no intention of moving in. now, the landlord has called me & even showed up to my job saying that the rent hasn't been paid. i came clean and let the landlord know that i subleased the rental to a childhood friend. the landlord said that the sublessee my childhood friend must move and that he has applied the security deposit to August 2010's unpaid rent and that any day from September 1st to the eviction date of this sublessee, I will be responsible for paying the prorated rent. what are my options. after i prepare a 30 day notice and send it certified mail return receipt. should i verify when those 30 days are up, if this sublessee is still there, and if so, should i show this 30 day notice to the police after I call them on that 30th day (if sublessee is still there), I live in california, how long will the police give this sublessee if he's still occupying the premises after that 30th day? will I have to get a court date by appearing in court. i don't want to have an eviction show up on my credit report when I myself will be looking for an apartment. what are the chances that this landlord can successfully garnishee my wages if he wins by sueing me for my share of the unpaid rent? the landlord isn't a government entity or a spouse with child custody so i'd imagine it would be more difficult for him to be able to garnishee my wages. please answer each and every question and reply to me as soon as possible. thank you.