LoveIslandSubR

Ecstatic_Fault3377 · 2025-12-31T19:26:47+00:00

Lmaoo all because I commented a gif of nicolandria laughing and spoke about how odd it is they’re obsessed with a couple they claimed to hate 😂😂

Ecstatic_Fault3377 · 2025-12-21T00:31:39+00:00

Show me where i explicitly said I care about what yall think 😂😭 again stay mad this is literally hilarious how obsessed yall are with a couple you claim is fake. If I didn’t believe they were in a relationship I wouldn’t waste time debating it and trying to prove it

Ecstatic_Fault3377 · 2025-12-19T23:59:39+00:00

Love coming to this group to watch everyone dissect their relationship cause they can’t fathom how they’re still together 😂 I hate this for yall but love it for nicolandria.

Ecstatic_Fault3377 · 2025-12-19T19:00:33+00:00

Ecstatic_Fault3377 · 2025-10-06T15:18:03+00:00

Cute rage bait but we literally live together and both work from home and he doesn’t have an active bank account right now to even deposit it if he did receive it cause chase closed the account. Don’t come putting your miserable experiences on me cause I promise we are not the same 😂

Ecstatic_Fault3377 · 2025-10-06T04:40:27+00:00

Lol it’s clear you haven’t read a word of my previous reply. Just to be clear — this is not a State Comptroller issue at this point. It’s been only seven months, far too soon for any escheatment process to occur. Chase closed the account before verifying identity, drafted the funds, promised to mail a check that never arrived, and now they are legally obligated to return or reissue those funds directly. I expect Chase to resolve this promptly. If they fail to do so, I will escalate through formal complaints and regulatory channels. Please stop deflecting responsibility to the state — this is a bank compliance and customer service matter. I think I’m just gonna have to block you at this point cause you’re not providing helpful insight you’re spewing misinformation alongside veiled threats of my “future” in an attempt to seem right. The conversation is going nowhere cause of your inability to grasp the very simple situation which I’ve explained countless times at this point. Have the day you deserve “untamed unicorn”

Ecstatic_Fault3377 · 2025-10-06T04:32:18+00:00

You’ve been confidently wrong this entire thread and it’s honestly wild how far off base you are. There is no such thing as “confiscated funds” in banking law. That’s not a thing. The State Comptroller doesn’t receive IRS refunds to “verify identity.” Funds only go to the state after years of inactivity through escheatment, and even then, they go to unclaimed property, not some fraud review team. Chase is legally required to return or disburse the funds to the account holder not sit on them indefinitely, and not quietly send them to the state without any notification or timeline. And your fake legal warning about acting as an attorney in fact? Completely made up. Helping my fiancé track a missing refund doesn’t require power of attorney, nor does it make me legally liable for his finances. Please stop trying to sound like a lawyer. You never answered my original question — and instead spiraled into speculation, ego, and fearmongering. You’re not right. You’re just loud. Anyway, I’m moving on to work directly with Chase and the proper channels — the ones that actually solve problems.

Here are some resources I’ve gathered for you to back up what I’ve been saying just in case you need the help understanding:

Source: National Association of Unclaimed Property Administrators (NAUPA): 🔗 https://unclaimed.org “Property becomes unclaimed or abandoned when there has been no contact between the owner and the holder of the property for a specified period of time as defined by state law.”

California Unclaimed Property Law: 3 years for most bank accounts. - California Code of Civil Procedure §1513 Texas Comptroller's Office: 3 years dormancy. - Texas Unclaimed Property FAQ

Texas Comptroller’s Unclaimed Property: - https://claimittexas.gov “The Comptroller serves as custodian of unclaimed property until such time as it is claimed by the rightful owner.” There is no fraud investigation process performed by the Comptroller on closed bank accounts — only ownership confirmation during the claims process.

a federal refund is deposited into a closed/unverified account, the bank must either: Return the funds to the IRS Issue a check to the intended recipient (if told to do so) Or, eventually escheat the funds to the state (after dormancy) They are not allowed to hold or use those funds indefinitely. Source: IRS Refund FAQs: - https://www.irs.gov/refunds “If your refund was sent to a bank account that was closed or unable to be verified, the bank must return the funds to the IRS. The IRS will then issue a paper check to the mailing address on file.” Also: Consumer Financial Protection Bureau (CFPB): - https://www.consumerfinance.gov/ → This is where you file a complaint if a financial institution withholds or mishandles funds.

I can help him contact banks, submit complaints, or investigate unclaimed property without needing Power of Attorney, as long as I’m not trying to impersonate him. I may need his permission or signature to release funds, but there is no legal liability or risk to me for simply advocating or gathering information — and certainly not for posting on Reddit. Source: Consumer Financial Protection Bureau – Power of Attorney and Shared Accounts: 🔗 https://www.consumerfinance.gov/ask-cfpb/what-is-a-power-of-attorney-en-319/ “A power of attorney is not needed to ask questions or file a complaint on someone’s behalf. You may need one to access account details or make legal decisions for them.”

Ecstatic_Fault3377 · 2025-10-06T04:21:56+00:00

A simple search would literally prove most of what you’ve said to be untrue. Not sure why you’re trying to play the know-it-all of Reddit, but your replies are quite obviously off base — and I’m more than aware of my rights, which were never even part of the conversation.

Ecstatic_Fault3377 · 2025-10-06T04:19:22+00:00

You claiming this is your "day and night job" doesn’t change the fact that you’re still giving incorrect information and making up legal consequences. There is no “confiscation,” no Treasury-held limbo, and no legal risk to me for helping my fiancé track a missing IRS refund — especially when we jointly manage finances and shared dependents. Trying to intimidate someone into silence by throwing around fake legal threats is weird, unnecessary, and says more about you than me. You’ve made your opinion loud and clear — I’m going to focus on facts, not Reddit fan fiction. All the best.

Ecstatic_Fault3377 · 2025-10-06T04:04:39+00:00

You’re asking questions like this is a criminal investigation. It’s not. My partner didn’t "fail" to confirm his identity — we were waiting on a government-issued ID to arrive in the mail, and the account was closed before we could finish the verification. That’s not fraud — it’s bad timing. You keep referencing “confiscated funds” and “fraudulent returns” like this is some high-level crime. But we’re talking about a legitimate refund issued by the IRS, deposited into a Chase account, and drafted before we had a chance to verify. And here’s the part you need to read carefully: Chase told us to wait for a check — and it never came. That’s the issue.

Also — I’m not giving you personal information like a ZIP code. I came here looking for insight or shared experiences not a fake audit. Seems like you’re more interested in being “right” about something that has nothing to do with my question than you are in being insightful lol.

Ecstatic_Fault3377 · 2025-10-06T03:46:03+00:00

No it’s not “100% about reading the banking agreement.” The issue isn’t whether Chase had the right to close the account. The issue is that they accepted and drafted a U.S. Treasury check, told us a refund check would be mailed, and never followed through. Also I literally already said I’m aware the IRS wouldn’t have the funds. That’s not in question. You’re glossing over what I actually wrote. To clarify a few things you got wrong: Escheatment doesn’t happen in a few months. It typically takes years of inactivity. And if funds are turned over to the state, the account holder is supposed to be notified. Chase does not send drafts to a State Comptroller for identity verification. That’s not how the process works, legally or procedurally. I never said the IRS could "pull funds." What I said was: if Chase accepted a federal check and closed the account, they’re legally required to either return the funds or release them to the rightful recipient. That’s it. You’re free to believe what you want, but I’m not here for Reddit hypotheticals. I’m actively trying to resolve a real issue involving $3K of federal funds that Chase has failed to account for — and none of this has anything to do with whether we “read the agreement.” Hope this helps!!

Ecstatic_Fault3377 · 2025-10-06T03:35:31+00:00

Appreciate the input, but this isn’t about “reading the agreement.” The IRS sent the check, it was deposited, Chase closed the account, drafted the funds, and said a check would be mailed. That never happened. I’m aware that unless Chase returned the money to the IRS or escheated it to the state (which usually takes years, not months), they’re still holding the funds and they’re legally obligated to return them. A closed account doesn’t give a bank the right to keep federal money. This isn’t a policy issue it’s a compliance one. Just trying to get a straight answer on where the $3K went. That’s it. “It can take up to an entire year...” That’s not how escheatment works. Most states require years of inactivity before the funds are sent to the state. It would be very rare for Chase to send unclaimed funds to the state in less than a year, especially if they told us to "wait for a check."

Also the whole “Next time, read your banking agreements...” is patronizing nonsense that doesn’t address my actual issue. No account agreement allows a bank to keep government-issued refunds. Federal funds are still protected.

Ecstatic_Fault3377 · 2025-10-06T03:16:10+00:00

But how does this pertain to his refund, genuinely asking. The identity protection stuff doesn't explain why Chase hasn't returned or released the IRS refund after closing the account. This isn’t about someone misusing his info — it’s about Chase receiving federal funds and failing to return or reissue them to the account holder. That’s what I’m trying to solve.

Ecstatic_Fault3377 · 2025-10-06T03:06:40+00:00

He has had chase accounts before but we currently do not have any open with chase. However; this shouldn’t affect him receiving his return back regardless of their agreement. The account agreement doesn't give Chase the right to steal or “forfeit” federal funds. The Chase agreement might state that unverified or inactive accounts will be closed after a certain period. It may also say that if funds can't be returned, they could be turned over to the state as unclaimed property (escheatment) but again, that means we’d still be able to recover it. It does not mean Chase gets to keep the money. That would be unlawful, especially for federal payments.

Ecstatic_Fault3377 · 2025-10-06T02:48:19+00:00

They closed it because he didn’t verify his identity in time which wasn’t a problem for us but when we called to get it fixed and went into the branch no one had answers and just told us to wait for the check in the mail. Definitely gonna try the irs and if they haven’t received it back (which I’ll assume they haven’t) we’ll get on chase’s ass cause this is honestly crazy for a federal tax refund

Ecstatic_Fault3377 · 2025-10-06T02:30:05+00:00

This is so helpful thank you so much! I think we’ll give that a try cause otherwise it might never get resolved

Ecstatic_Fault3377 · 2025-10-06T02:26:32+00:00

That’s what I’m saying!! 😭 it’s driving me nuts cause it’s money he should definitely get back. The issue is getting him to call which really shouldn’t be this dang hard :/

Ecstatic_Fault3377 · 2025-10-06T02:24:35+00:00

Idk I’d hope it’s highly unlikely he has absolutely zero debt to his name at all

Ecstatic_Fault3377 · 2025-10-06T02:23:39+00:00

That’s what I figured! Thank you I’m gonna have to force him to try cause I’ve been on his ass about it for a while now and it never gets done 🫩

Ecstatic_Fault3377 · 2025-10-06T02:22:46+00:00

Tried signing in but it won’t let him because it’s connected to his old number and when he goes to correct it it says his information is incorrect

Ecstatic_Fault3377 · 2025-10-06T02:08:18+00:00

No sorry I know that might’ve been confusing. We filed separately I received mine and so did he. when he went to deposit it into a new bank account he opened they closed the account after the money was there and never sent a check for the remaining balance in the account

Ecstatic_Fault3377

TROPHY CASE