Locating Bank Accounts / Assets
I appreciate your interest in this topic of locating bank accounts or assets and the desire to make sure your reputation is secure. All our investigations are in compliance with the GLB act of 1999. As with anything we do, I explain to my clients that our information is for “fact finding” only. If you or your client determine that our information is helpful to your case, we suggest you subpoena the records in order to use them in court.
Below is information on some of the methods used for determining ones bank account. One widely used method includes a report that identifies the banks where a person has attempted to open a new account. This database is similar in nature to a bad check database. If a bank has reported a closed account due to fraud, then the person is not allowed to open a new account until the first account has been satisfied. This report would identify the date of the inquiry, bank and bank address. Armed with this information, we would simply verify the information and then report it back to you.
You know locating a bank account is a good way to collect the money that is owed to you. With a judgment, you can apply for a Writ at the court and have the Sheriff, Marshall, or a Process Server “hit” the bank.
In 1999 Congress enacted the Gramm-Leach-Bliley Act (GLB), which specifically prohibits obtaining, or even attempting to obtain, another person’s financial information by making false, fictitious or fraudulent statements to a financial institution or the customer of a financial institution. If you want to read it right from the GLB itself, go to http://banking.senate.gov/conf/fintl5.pdf. You will then be fully informed, though probably quite bored.
Our bank account searches fully comply with the 1999 GLB Act, the FCRA and the FDCPA. We use outside third party investigators to perform our bank/asset locates. All outside investigators have been fully trained and educated using only legal methods in locating asset information. Each investigator has personally documented their knowledge and signed a contract indicating that all information obtained will be through legal means, including legal compliance.
Without revealing trade secrets we can disclose that each asset search is conducted utilizing legal protocols which may include; public records, creditor information, insurance records, UCC files, trash inspections, surveillance, databases, vendor records and payments, employment records, direct payments and/or purchases, landlord records, credit applications, divorce records, third party applications, and foreign sources, etc.
Why use us? Is this legal? We abide by all federal and state laws, including the GLB Act, FCRA and the FDCPA. During our investigation, we do not pretext the consumer, bank or financial institution. The GLB Act does not prohibit bank searches; it just makes pre-texting financial institutions and consumers unlawful. Our investigators use several methods while identifying assets, one of which is access to a database that is used by banks and financial institutions that screens all potential new customers before an account is opened.
Whether you have a judgment or another applicable purpose to know the facts surrounding ones assets we hope we answered your questions and look forward to being your source for asset location investigations both in the U.S. and /or Internationally.
Asset & Employment Locates – U.S. & International Telephone Investigations
Proud Member of the following Professional Associations;
ACA, ADASI, CALI, FALI, FAPI, IAAR, LDAM, LPIA, NAIS, NAPPS, NCAPI, NCISS, NJLPIA, NTPIA, PIAVA, PICA, TALI, TPSA, WALI
Learn more about us by watching our short two minute video located at: http://www.pdjservices.com/services/overview/index.html