Bank Fraud

[Mike_Knight]

What is the name of your state (only U.S. law)? Wisconsin

I paid off my auto loan to the bank and for a month I could not get them to send me a lien release letter so I could take their name off the title. Finally I send them a letter and a check for $30 to send it by Express mail and for their trouble to type it up and send it. They cash the check and then send it finally but not by Express mail. I figured they'd return the check and not be such jerks. Are there any laws against having to pay a fee just to get a lien release letter? I consider this fraud.

 

[Zigner]

What is the name of your state (only U.S. law)? Wisconsin

I paid off my auto loan to the bank and for a month I could not get them to send me a lien release letter so I could take their name off the title. Finally I send them a letter and a check for $30 to send it by Express mail and for their trouble to type it up and send it. They cash the check and then send it finally but not by Express mail. I figured they'd return the check and not be such jerks. Are there any laws against having to pay a fee just to get a lien release letter? I consider this fraud.

Suing for $30?

Puhhleeaaassseeee

As for the fee - it's in your loan agreement - read it.

 

[Mike_Knight]

But there was no fee. They never asked for one. I just made up the amount of $30. I've never heard of a fee to get a lien release letter.

 

[Zigner]

But there was no fee. They never asked for one. I just made up the amount of $30. I've never heard of a fee to get a lien release letter.

Are you joking? You WILLINGLY sent them $30 and then complain when you got what you wanted?

 

[Mike_Knight]

I was just wondering if there was any law they broke by extorting the money from me in exchange for the lien letter and then not even using the Express mail I requested. At the least I'll be making a page on the internet about this. Since it's a local bank with no other branches I should be able to get it pretty high in the google results.

 

[Zigner]

I was just wondering if there was any law they broke by extorting the money from me in exchange for the lien letter and then not even using the Express mail I requested. At the least I'll be making a page on the internet about this. Since it's a local bank with no other branches I should be able to get it pretty high in the google results.

What extortion? You sent the money with no request from them.

I'm willing to bet their IS a fee to release the title in your agreement. And I'm willing to bet that fee was somewhere around $30

ETA: All those Google hits on this page will just reinforce your apparent ignorance.

 

[Mike_Knight]

Yeah it's funny when I talked to them a number of times they never mentioned any fee. They just kept saying they were going to send it out or had sent it out and it got magically lost in the mail. And what a coincidence I happened to pick the exact number of the supposed fee. What are the odds?

 

[Zigner]

It seems that you only pay your bills when it benefits YOU

 

[Mike_Knight]

It seems that you only pay your bills when it benefits YOU

Yeah why should I fork over money when I get nothing in return. Obviously when it comes to rent and utilities I have no choice. And again there was no $30 fee. I think once I embarrass them a little they might refund me my money.

 

[ecmst12]

If you wanted them to send it express mail, you should have just sent them an express mail envelope, self-addressed.

 

[Antigone*]

Yeah why should I fork over money when I get nothing in return. Obviously when it comes to rent and utilities I have no choice. And again there was no $30 fee. I think once I embarrass them a little they might refund me my money.

YOU willingly forked over the money so you made your choice.

Mike here is my advice. Call Judge Judy. See if she will take your case. Sue for a couple of thousand ~ heck why, not all this emotional distress must be really affecting you.

 

[Mike_Knight]

If you wanted them to send it express mail, you should have just sent them an express mail envelope, self-addressed.

I guess I was hoping the bank would have some integrity and send it by Express as a courtesy for the inconvenience they caused me in addition to returning my check. It was the least I expected for paying my bill on time for 5 years.

 

[ecmst12]

It makes no sense to send money when there is no money due. When you called to ask about the check you sent, what did they say?

 

[Zigner]

I guess I was hoping the bank would have some integrity and send it by Express as a courtesy for the inconvenience they caused me in addition to returning my check. It was the least I expected for paying my bill on time for 5 years.

If THAT ain't the pot calling the kettle black...!

 

[Mike_Knight]

YOU willingly forked over the money so you made your choice.

Mike here is my advice. Call Judge Judy. See if she will take your case. Sue for a couple of thousand ~ heck why, not all this emotional distress must be really affecting you.

I could claim I wasn't in my right mind when I did it. I mean if somebody writes a check to someone for $1000 for no reason is it right for the person to keep it? The check writer could claim the person was blackmailing them or anything. I'd return any money right away for that reason alone.