Then she should have had him declared incompetent and had a guardian appointed. While there is this:
6(b)(5) Notice to Financial Institution
2. Notice by third party. Notice to a financial institution by a person acting on the consumer's behalf is considered valid under this section. For example, if a consumer is hospitalized and unable to report the loss or theft of an access device, notice is considered given when someone acting on the consumer's behalf notifies the bank of the loss or theft. A financial institution may require appropriate documentation from the person representing the consumer to establish that the person is acting on the consumer's behalf.
You currently have no evidence that the Aunt is actual acting on behalf of the customer. I would close the account and mail a check.
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