B of A Rejects Checks From Bride Who Kept Last Name

ANOTHER reason to find another, local credit union or regional bank. Years ago these fine folks debited my checking account because my cousin’s new wife had the same first (and now last) name as mine. If the check hadn’t been made to her mother and I hadn’t know the maiden name I would have been out $100. Took many calls and a couple of days to straighten it out.Not long after that, they deposited my paycheck into my savings instead of checking and bills started bouncing – then blamed ME for the error. I closed the accounts and went with the local bank. Never looked back, never had a problem with the locals.

Like BofA needs more bad press. I stopped doing business with them when they decided to charge me an annual fee for the “privilege” of using their bank card.

I belong to a credit union and have done for over 30 years. I *have* had a problem with them with keeping my name – that account is the only thing I’ve got that I had to “change” my name on as it was kicking out his direct deposit paycheck. I’m still finding it hard to believe that a joint account can’t have two different names on it although they assure me this is so every time I ask. What’s done with business accounts with multiple authorized users?

People get married and change, or not change their last name all the time. Can these institutions not adjust to that?

What idiot made out the check to a person wh doesn’t exist? After all the bride made the descision to keep her name.

James, first of all, the people who made out the checks to “Mr. and Mrs.” may not have known that the bride was keeping her name. Second of all, whether or not she chooses to use the name, the bride is still Mrs. Peter Iorizzo (and therefore a person who does, in fact, exist). This ridiculous situation is neither the fault of the bride nor the people who were generously giving the newlyweds checks to celebrate their marriage. This is the fault of Bank of America being able to assess a situation and do the right (and logical) thing.

They should have just deposited the checks via an ATM. I doubt there would have been any problem then.

Nothing new. It happened twice with me for a car loan. The branch where I had account rejected/declined loan. I went to another branch it was approved in 24 hours!

I’ve found BoA very inflexible for anything remotely out of the ordinary even within the realm of common sense. A joint account my wife and her brother (who passed away) had a check made out to the “estate” of her brother. They simply would not accept it because the account did not include the word “estate”.

So what is her name? The story omits that little bit of information. Great reporting.

I assume the wife’s first name is not Peter and so they do not share a first name, nor last name. Having different last names does not invalidate the existence of “Mrs. Peter Iorizzo” any more than not having the same first names. The reference is “Mrs. Peter Iorizzo” is simply referring to the spouse of Peter and makes no reference implied or express about the first or last name of that spouse.

In any case, I find it antiquated and insulting to refer to women by tacking on “Mrs.” to the husband’s last name. Insisting that “Mrs. Peter Iorizzo” can only exist if she changes her last name to “Iorizzo” is both stupid and patent patriarchy. It’s no wonder feminism is still a movement when such idiotic rules continue to pervade.

Local banking, community banking, small banking….that’s where the better customer service is. How dangerous is it to allow a banking institution like Bank of America to get so big.

Technically a check payable to x and y, with “and” being the key, must be signed by both x and y. Or can be deposited into an account with the exact same ownership. One cannot simply sign the check and mark it for deposit and expect it to be deposited. In one sense Mrs did not exist so they followed the letter of the law and refused her. But as anyone can see this is not an uncommon issue and some common sense should prevail. The bank has liability if they cash or deposit the checks without proper signatures, but in this case, it should have been clear and common sense should have prevailed.

I have heard numerous similar stories like this, a general lack of common sense and decency, regarding B of A. Foreclosure over minor issues or when there was no legal debt. I have a brother that tried to purchase a foreclosed property from them and they took his money but dragged out closing the deal for over a year. They kept reevaluating the property and changing the price. Eventually the occupant or some unknown person stripped what they could from the house, wire, cabinets, etc. B of A finally came back to him and asked for a higher purchase price. He eventually got it in writing and treated it like a rejection of his offer and got out of the deal.

No one in our family will ever deal with them again!!!

I don’t have any problem with B of A. Never had.

right. credit unions are perfect. BULL. all banking institutions are the same at heart. that is, only as good as the person running the place that day. what they did for you on tuesday when fred was on vacation may not apply next wednesday when gladys the teller says no and fred is back to reinforce her. been there, dumped them.

Unfortunately banks have had to stick to “unfair” policies because dead beats in this country have found ways to defraud the banks in ways that the average person would never think of. I work for a not so popular institution (not BOA) and I have actually received a FAKE death certificate for an account holder by her son that had come upon hard times- notarized and all. Banks also can’t bend rules because if they bend this one rule for this one person, who is to say where the bending stops? Not only that, but there are very strict laws that banks have to follow just like anyone else, only difference is the size of the penalty.

Common sense is a real rare thing these days.

This was really stupid. Clearly it was not really a problem since they were able to cash the checks at another branch. BoA is wining enemies every day.