aloy/emeka:

Somborry needs a good lawyer.

lari03:

Just another example of inept americans!

jensinmi:

I'm quite sorry to say this but This guy may be a dullard o.

HE NEEDS A REAL LAWYER.

1 year later and he is just talking.

Chei 

This is America. GET PAID MR. MAN.

People sue for things far less serious than this.

I no be lawyer but I can already say

1. Sue the bank for discrimination

2. Sue the police for wrongful arrest and detention.


At least,  you are looking at $25 million here

When the judge adjusts everything.  At all, At all na winch $3 million go comot.

davidylan:

he will lose this case if he attempts to sue Chase . . . it takes a lot for a bank to resort to closing your account permanently because you consistently cash overdrawn checks. It seems he already had a fraudulent past and the bank was just taking precautions.

davidylan:

he will lose this case if he attempts to sue Chase . . . it takes a lot for a bank to resort to closing your account permanently because you consistently cash overdrawn checks. It seems he already had a fraudulent past and the bank was just taking precautions.

manny4life:

Wait a minute, something does not add up,

His account was closed? According to Title 12 of the Uniform Commercial Code of Federal Regulations for Banking and Banking requirements, often called Reg D's if I'm correct, Chase bank had a right to close his account without his consent. Overdrawing your account isn't a crime, obviously you will pay over draft fees (get over draft protection); however, willing and knowingly issuing an overdrawn check is a CRIME. In addition, as courtesy of some banks, when the banks sees that you have a pattern of issuing overdrawn checks, you will be notified via certified mail to stop and then banks will put alerts on your account. There are process followed before it become evident that you are purposely issuing a fraudulent check.


Also keep in mind that the bank waited to close his account after he got a direct deposit; after the deposit it WAS CLOSED. The man doesn't have any business with the bank other than the Bank had a duty to remit the man's money and this was done using a Cashiers Check. The Cashier's Check had the date, his name (payee), the payer (Chase Bank's recon dept), and most checks because they are bank notes issued by the bank, often carry Check ID, and Cashier's Check do carry a "verification toll free no" on it. What the cashier does is upon receipt if the check, verify the ID against the name, I mean perform the verification into the system by run the MICR number into the system to verify the account, you can also call the toll number on the check and reach the dept, they WILL verify the authenticity of the check and give you an authorization code, so that when the check is processed into the system, the AUTH code is entered to allow it for payment.


In my own assessment, they bank CLEARLY CHOSE to discriminate against him, and regardless of whether he issued wrongful check or not is " after the fact" and should be allowed to pay punitive and compensatory damages. As for the police dept, under "normal circumstance" they CANNOT hold you for more than 24hrs without charging you with a crime, and for them to charge you, they must have "probable cause" to do so and overwhelming evidence to support it. Besides, they held him up to 4days? Unless the court authorized this, and he did not have a lawyer to defend him, the police dept should be enjoined in the suit as well if he was to sue. This is his golden chance to be a millionaire, I'm certain that under the UCC of Fed Regs, the statutes of limitations hasn't expired.

IMO, because Chase Bank operates on Federal statutes and laws, I will take my case to a federal court with a Jury; I'll take my chances with the bank.

davidylan:

he will lose this case if he attempts to sue Chase . . . it takes a lot for a bank to resort to closing your account permanently because you consistently cash overdrawn checks. It seems he already had a fraudulent past and the bank was just taking precautions.

aloy/emeka:

Stop blaming it on Americans. It is the bad name Nigerians created for themselves that is haunting them. Y'all are doing Boko Haram now, when they start searching Nigerians specially at the airports, another person will blame it on "inept" Americans.

violent:

I don't see how he'd lose in this case.

First:  Several people hate banks and bankers, the chances are always stacked up against them!

Second (Assumed): This is a man with no previous crime history, never been convicted of fraud, conducts his business in a legitimate manner

Third:  This man's life was turned upside down;  He experienced horrible times having to deal with being called fraudulent, was locked up and denied his freedom to movement for several days, lost his job and friends as a result, all for what?  because someone in the bank "thinks" he looked fraudulent?. . . .or more disappointing, because he happened to be Nigerian and was not wearing suit?

I don't see how JP Morgan could come up with an argument that the fellow had overdrawn his account several times in the past. . .chances are the men and women of the jury have probably overdrawn their accounts at one point in time or the other!

I'd say the dude should better jack up the courthouse and shove their egg heads underneath! 

dinggle:

Wish that was me, the situation will be my winning lottery ticket.

Why would you wish such on your self think of it this way if it were you it could have been worse than a 4 day jail stay