first of all, that's horrible to have happened to you. Second, contact the Banking Commission of your state! Do it right away!
The banking commission is the one who holds the cards. The banks DO have bosses and the Banking commission is ONE of them! Contact them and file a written report with what you've told us here, and they may even be able to get reiumbursement for you...
That's bad.. not being able to even open a bank account. I got screwed over by Asheville Savings Bank last year.
They closed out my account, after THEY screwed up and sent off my bank card to the wrong address.
When I went into a branch on Patton Avenue to complain and get a new card sent to MY address, not some total stranger's the branch manger, this man, got really hateful and started SCREAMING at me, saying he'd send another card to MY address, but it would have the SAME card number as the card they sent off to the WRONG address!!
How screwed up is that? I said, No, you cannot do that. that puts me at risk to have all my funds stolen by the person who might now have my bank card, you've mistakenly sent off the wrong address!
What did he do instead? Threatened to close my checking account on the spot! I mean, who would forecast your bank would do such a thing to you?
I had written several checks too that were pending, that would force me to get hir with overdraft fees of hundreds, since I had the account for 10 years. I didn't bounce checks EVER with this bank.
DO NOT BUSINESS WITH ASHEVILLE SAVINGS BANK either!
go ahead and send off that letter to the banking commission OP, they may help and straighten this mess out for ya. Good luck kiddo, :)