What can I do if my bank account is attached to my mom’s account but she committed fraud and now this has affected me?
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What can I do if my bank account is attached to my mom’s account but she committed fraud and now this has affected me?
She used my account for check kiting. My account was closed. I tried to apply for a new account through a different bank, and was denied because of fraud history. I am 18 years old.
Asked on November 10, 2014 under Business Law, Minnesota
Answers:
M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney
Answered 9 years ago | Contributor
I am sorry that this is happening to you. Your name was probably submitted to a company called ChexSystems. I am going to give you a link to their website and understanding how they work. In the meantime, it can never hurt to write a ton of letters to the bank higher ups that reported your Mother and had you go along for the ride. If she did not use your account specifically but it was only "linked" then you have a good argument. I might also write to the State Banking Commission if you get no satisfaction from the bank itself. Try also opening accounts like pre paid cards (Amex, Visa PayPal) to help build your credit back up. Good luck to you.
http://www.ckfraud.org/chexsystems.html
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