My mother and I have the same name. Our banks think that we are committing fraud and they froze our accounts, which caused my check to bounce. Is there any way that they can charge us with anything? How should we go about rectifying this situation?
By all means contact the banks involved at once and ask for a meeting during which you and your mother can explain your situation. As in the case with men who carry their father's names, sometimes there are identity problems. Get documents together proving that you share the same name, and start working on convincing the banks that you aren't doing anything underhanded.
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