Hello:

My father died in April. His insurance did not cover his funeral, had to take a loan out to pay for it. Notified his creditors of his death. He had taken out a home equity line of credit on his house many years ago. It has a $40,000 plus balance. In 2000 he transferred his 2 homes into my name. His pension electronically transferred his check. They contacted me and asked for the check back and then they will send a prorated check. I don't have to the check. After some research found out the bank kept his check. The customer service rep I spoke to said "because your father owed us money. So we kept his check." The bank won't return the check.

Now after contacting the bank about the check, they're sending me late notices to pay my father's loans. I had received nothing from the bank except a monthly statement for April. It had the beginning balance of $40,000, but the ending balance said $00.00 (zero) and all loan accounts closed. Now I don't know what to do. They had not contacted me, by phone or mail, in 2 months. I called about the pension check, and now they're becoming threatening about the loan. I don't know what to do or who to turn to for help. I'd like to know my rights before trying to contact the bank. Any help would be appreciated. Thank You.