My mom passed away and left a certificate of deposit the bank says it is invalid what are my options?
If the bank says that the CD has been closed out, then that is
likely true. Even if they cannot give you exact dates for the date
of closure, that may be due to it being an older transaction that
is not on their computer system anymore. Sometimes individuals
retain the actual certificate of deposit, however forget to dispose
of it after the account has been closed. Most banks no longer need
the certificate itself to close or renew CDs, which is why there
are sometimes expired certificates lying around in people's files.
If there is some reason why you believe that the certificate was
definitely open, then speak with a branch manager, district
manager, or president of the bank (in that order). Even in large
banks, they often have district or regional presidents, so don't be
afraid to ask to speak to the president of the bank. However, don't
be surprised if they continue to have the same answer, unless you
have some documentation or valid reason why you believe it is still
an open account.