- Advice patio11 gave me (adjust for your own situation):
> 1) Unlikely to convince them to re-open the account but if you want to try your best bet is on paper to Sallie Mae; enclose copious documentary evidence of identity, source of funds, and purpose for opening the account. You can address the packet to Legal or Chief Compliance Officer; they can messenger it over to Fraud.
> 2) Assuming primary goal is getting $20k expeditiously: Reg E letter to Sallie Mae’s Legal Department or Chief Compliance Officer or similar. Argument: you made an electronic transfer into the bank; it was not processed properly (not credited to you); you require them to either reverse transfer or return the money via a method convenient to them. Send on paper.
> 3) Check that Chexsystems didn’t get a file opened on you as a result of this; would be unfortunate. More on your local Googles.
- (patio11 used to ghostwrite to banks as a hobby[2])
[1]: https://www.consumerfinance.gov/complaint/
[2]: https://www.kalzumeus.com/2017/09/09/identity-theft-credit-r...