Consumer Protection Law

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I have an account with a company, a loan, that I have online…

I have an account with...
I have an account with a company, a loan, that I have online access to make payments and see the status of my account, etc. My loan payment is due on the 29th of each month and by the 21st of the next month the account is locked preventing access and requiring me to visit a branch location to make a payment or calling in to make a payment with a hefty fee. Is this legal?
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Answered in 1 minute by:
3/21/2018
Infolawyer
Infolawyer, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 62,846
Experience: Licensed attorney helping individuals and businesses.
Verified

Hello and welcome. I am working on your answer and will be right back!

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It is not legal, and you should have regular access, except for limited times where there is account maintenance. If company does not grant access, consider reporting them to the BBB and attorney general office.

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Customer reply replied 3 months ago
Is there anything else as this effects my credit as well because I have gone over 30 days in the past due to not having full access.
You have a few options. Let me outline them. You can pursue a complaint in civil court. You may sue for losses suffered plus costs and interest. You can also file a complaint with the attorney general office. You can threaten these options before pursuing and use for leverage. local counsel can also get involved! A lawyer letter alone can often bring about a settlement as the other side realizes that you are serious and gets concerned about its risk and legal fees.A lawyer letter from a local lawyer can be effective in several ways. It can avoid costly litigation and help bring about a settlement. It also helps organize the claim and if it goes to court shows the judge you tried in good faith to resolve it!Please let me know if the reply is acceptable by responding “yes” or “acceptable”
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Great. Kindly rate me 5 stars.

Infolawyer
Infolawyer, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 62,846
Experience: Licensed attorney helping individuals and businesses.
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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