I've been working with them for over a month. 1st all they requested was a POA - then they requested a letter from her Doctor - Then they wanted something from the Social Security ADMIN. All provided - then they came back and said since my brother was added to the account in 2019 - they couldn't share any info about the account. My mom was diagnosed in 2017 with Dementia - and I wasn't aware my brother was added to her account til Medicaid turned us down for financial assistance. He never disclosed that info. Anyway, as her agent and payee representative - I need find the history of the account. My brother claims he knows nothing about it and refuses to contact the bank or get involved. As her Agent -I would think I would have same access she would on the account.
&
more importantly, is the POA “springing”? Look carefully at the exact wording on it to see if it needs an additional document for it to “spring” into action & ability to be used.
I believe your brother could not have been added to your mom's account without him being physically present to do so. I'm not sure if the bank can show you the paperwork he would have needed to fill out when he was added. I think every bank's protocol and requirements differ, but they err on the side of extreme caution because in the end, they are liable. Whether you need to consult with an attorney to move forward due to your brother's lack of cooperation is probably a necessary thing. You will need to look online or post a ISO request on Nextdoor.com to find an appropriate attorney for your area.