Hey all – I’ve got a spot if trouble, and I suspect someone reading this can help.
My bank removed around $2000 from one of my accounts to cover an overdraft that someone I had a joint account had made on an account I had nothing to do with. To be clear, I have a savings account with my wife. I also had an old joint checking account with Person X. X in turn had a joint account with Person Y. The bank drew from my joint account with my wife to cover an overdraft on the account held by X and Y – an account I am not and never have been on.
Despite the fact that I had nothing to do with the account that was overdrafted, Bank of America refuses to return my money, saying that because I had a joint account with X I was liable for any of their accounts, even ones I wasn’t on and had no knowledge of.
This does not seem right.
If anyone can provide some pro bono legal advice on what I might be able to do to get what is, for me, a massive amount of money refunded, I would be grateful.
To make parsing advice easier, I would politely request that armchair lawyers not chime in. I need authoritative advice from people who know what they’re talking about, not a massive list of guesses and possibilities.
Help in comments or via email to snowspinner at gmail is appreciated. Thanks.