Legal Question in Business Law in Louisiana

I have a Chase BA, and a while back i got a coupon stating. "If you open a second account with DD $100.00 is yours on us" well I read the T&C

*with in 60 days you must receive from your employer or the gov. an electronic direct deposit of your payroll, pension, dividends or gov.benefits.

A DD (PPD) was deposited into the account on 05/03 from PayPal.

I am a self employed ebay reseller and investor. Holding shares in Sony, IBM, and PayPal.

well on 05/12 i call chase to check on my $100. The banker tells me ,"you have not made a DD yet". I point out the PayPal DD. and she says "that's not an eligible DD" stating it must be from an employer..."well I'm my own employer and the DD that was made, is my pay and partly dividends". and after speaking to a supervisor, Chase says "we'll get back to you in 24 hours." well three days later i speak to a branch supervisor and she agrees with me, but does not have authority.Chase is breaking there own T&C

and no one will liston to me. who do i talk to?


Asked on 5/14/10, 8:58 pm

1 Answer from Attorneys
Adam Lambert The Law Office of Adam S. Lambert

You need to look at the terms of the offer. That contract will be the "law between the parties". However, I think Chase may be on firm ground. Although you are self employed, these direct deposits are not "from your employer" and they are not "payroll, pension, dividends, or benefits checks". They are from you clients and customers and they are payment for goods and services. I don't think you have much of a leg to stand on here, honestly.

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Answered on 5/20/10, 10:13 am


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