Legal Question in Banking Law in North Carolina

Hello,

When I was 18 years old I shared a bank account with my mother when I was in college. She received money orders that she did not know were fake and deposited them. She had thought they were a Christmas gift from one of our family members. The bank accepted the money orders and everything was fine. This was all unbeknownst to me by the way, I was just going through the college routine. Well apparently the money orders she deposited did indeed turn out to be fake and we were required to pay the balance. Which we did, and we also filed a police report as asked by the bank to do so. So after the whole ordeal we closed the account with PNC. I moved away and when I went to open a new account at a new bank I was declined. I am 24 now and I was just recently able to re-open a bank account after a long and drawn out process through PNC itself, and a company called chex-systems. I have reports from Chex systems that say there should be no black mark on my account as we settled the balance immediately, however, someone at PNC put something on my bank record that essentially lowered whatever score they use and now I am just above being able to open an account. I have to pay higher fees for my account because of a mistake that someone at PNC made years ago and never answered for. PNC themselves said that there should not have been a dispute on my record. But there is, and now my record reflects that I have essentially attempted fraud. This is absurdity at its finest and at this point I have not been able to find the proper channels to get this resolved. I believe that I have been wronged and am continually paying for a mistake someone made years ago that I was not even aware of.

Please let me know if you have any input on this.

Thanks

-J

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