It just keeps getting more 'Interesting'

[WhatMoney]

You will probably need to pose as your goddaughter if you report the debit card stolen. So I hope you have all her personal information you will need for verification of her identity. Since it is her account and her debit card, I don't see how you can report someone else's card stolen just because your name is on the account.

Then if you report the card was stolen before all those $20 atm transactions, they might freeze the card and cancel out the PIN, and if within the short time of liability for stolen debit cards, refund the charges. But if your goddaughter calls the bank and complains her card is frozen, it could get interesting for both of you, it might be considered bank fraud by then.

[fltoo]

I am missing something here. If you put your name on her account so you could cash your check, why can't you remove your names from it.

You can't remove someone else's name from your account, but can't you remove your own name?

Maybe I haven't seen all the posts on this.

[AngelinaCat]

Hi fltoo: Its the way banks are now, I guess. The three of us went into the bank and signed papers when 'P' added our names to her account. Once our check was processed and cashed, we should have stayed there and had our names taken off the account.

But we didn't--oh, well.

The only way to have our names taken off the account is for the account to be CLOSED. 'P' would have had to pay all kinds of fees and penalties, etc., Then she would have had to open a new account and all that; we decided to just let it lay and not cause any more trouble.

She was in good standing with the bank then, August 2007, and was until this past month, when WE started geting the deficiency noticies.

We found out today that we actually could close the account, if it was in the positive. But in that 'P' has run the deficiency into more than 1K, it can't be closed without the bank charging the debt off. If the bank charges the debt off, then it puts a flag on OUR names, and we will NEVER, EVER be able to open a bank account again.

@#$%^&%#%CHFFTTTT!!!!!

[AngelinaCatHub]

I am missing something here. If you put your name on her account so you could cash your check, why can't you remove your names from it.

You can't remove someone else's name from your account, but can't you remove your own name?

Maybe I haven't seen all the posts on this.

Not so here. In fact, banks will not even take a third party check. Here is what I sent to our g-daughter today.

They will NOT close the account while in NSF. I checked online and no activity has been made in some time. I'm not sure if it is computer batch files not up to date or the card has been frozen. The bottom line is, BOA is too freindly with their debit card. She has lately racked up at $35 per, five NSF penalties on ATM withdrawels. WE are as coowners, now as responsible as she is. That was nicely and truthfully stated. I must stop her as she may F my bk.

[fltoo]

Oh my angcats, that is a bad situation. Better tell the lawyer quickly.

But, no need to share all her personal info here on the web. Give the girl some privacy since she is not able to respond.

[gymbo]

Oh I am so sad for both of you.
It must have been difficult to send that letter knowing how much you believe in her potential. Addiction is a powerful thing.
Heartbreaking.
Wishing you the best.

[JRScott]

Sorry to hear about that. Good Luck

[JRScott]

Hi Help!: We went and talked to a bank officer this morning. The majority of the withdrawals are done by the debit card, and the bank officer told us that she could not freeze the card, because the g-daughter was not present. She, the bank officer told us she would be checking on what could be done otherwise to freeze the account, and would call us. We hadn't heard anything by 3:30 PM and called her and left voice-mail messages. So I guess we are stymied until Monday.

And, yes, you are correct about us. Besides the legal problems with frivoulous lawsuits against us, we are in BK precisely because we have tried to help people, and they have ended up ripping us off.

If you have power of attorney close the account if your able to.

[AngelinaCat]

Hi JR, if we close the account now and the bank charges the deficiency off, OUR names will be red-flagged and we will never be able to open another bank account anywhere. I don't know how or if this would affect our current CU account.

[AngelinaCatHub]

You're up mighty early JR. I am going to see about that Monday. The account cannot be closed until the OD has been brought up to zero. I begged them to turn off the debit card usage. They allowed about fifty OD pulls and purchases before they started a $35 NSF fee per pull. If she has not seen her account she won't even know this. As long as she can pull twentys out, she will get her 'hit'.

As far as privacy, we are all anonymous here, and at this time, I needed to vent to friends who I know are sympathetic as well as to advise others by our example, that "stuff" happens to all of us. There are things worse than bankruptcy.

BTW, Tony Snow passed away age 53 colon cancer returned. 'Hub

[AngelinaCatHub]

How did I start this thread? "It just keeps getting more interesting"..

Well, I went over to gdaughters little place and on the computer I built her, is her blanked out password to B of A. So.......I looked at her account today and just about dropped a gold brick. There are two checks both written for 2500 each. I called the bank as they have Saturday hours. I was fortunate enough to catch the person we talked to yesterday. I down loaded the check images and it does not look like gdaughter's handwriting.

I asked the officer what can I do to freeze this account? Nothing. I told her I had a durable power of attorney for gdaughter. She said that would work, but do you want to involve yourself with this? OOOooops, good point.

This now has become a crime. In all the mistakes of ignorance we have made, we are sliding through. I don't want this to pop up. I really don't want to report this to our lawyer in as much as we have a motion and hearing to dismiss her. We don't like her. I'm for letting it sit quietly and if gdaughter gets in trouble, she's on her own. All we did was get on her account for a day to cash that Title company check. Not knowing once on, always on. Now we are distancing ourselves from this one. It is now not funny. 'Hub

[BK2008]

If the signatures on the check are not yours or your GD's, why can't you report the account as fraud?? File a report with the police department, and jump through the hoops to get a freeze??

I guess I am failing to understand if your name is on the account, why does it take 3 of you to close it?? That sounds like insanity. Especially if the bank is going to be losing that kind of money,they would be more interested.

Just an idea, why you are on that computer and able to see the account, how about changing the password to something only you know, and then you can monitor it daily??
Since you are a coowner....

[tomato]

Hi JR, if we close the account now and the bank charges the deficiency off, OUR names will be red-flagged and we will never be able to open another bank account anywhere. I don't know how or if this would affect our current CU account.

Actually, I'm pretty sure you'll only be red-flagged for 3-5 years. Several years ago, I had a joint bank account with my boyfriend, and when we broke up, I let him keep the account. We had parted ways on good terms, so I didn't think to protect myself by closing out the account--I was trying to be nice and not inconvenience him.

A couple months after I left, ex-bf overdrew the account about $400 and walked away from it. I had no idea this had happened--my own account was unaffected. I didn't even find out until I moved again 2 years later and tried to open a new account in a new state. Even though it was the same bank I'd been using for the last year (BoA), they wouldn't let me. They wouldn't even let me add my name to my husband's account!

I ended up going to a credit union because a friend told me CUs aren't as strict (she'd had the same problem, what a small world). And a couple years later, I added my name to my husband's account at BoA and opened a new account in my name.

So even if you can't get this worked out, chances are you'll still be able to have a bank account. I'm hoping that things work out, though--what a sad story!

[Help!]

I forgot to ask the most important question of all (unless it's been answered elsewhere in this thread)... does your case trustee know this account exists?

[AngelinaCatHub]

I forgot to ask the most important question of all (unless it's been answered elsewhere in this thread)... does your case trustee know this account exists?

Yes and no. Let's put it this way; we didn't consider it at all as we never used it. The ONLY reason was to pass a Title company check through and daughter drafted me a personal check for that amount. The Title company needed it to go into an account for thier paper trail. When the Mortgage Deed was investigated, in which I have to pay 5k back out of 6k as a compromise they knew of the account and what it was worth. I emaied my lawyer in updating my records but after 30 days, no response so it is sitting in lymbo and I'm not kicking that sleeping dog in that my lawyer knew of the Mortgage Deed and failed to list it herself. I think the "inner sanctum" of the attorney brotherhood is aiding to get us through partially to protect my lawyer. They all know each other and may just play to our advantage. 'Hub