We had a customer call today who is a joint owner on a DDA with her mother. Mom died in October 2017 but SS has continued to come into the account. Customer says there was just so much going on and she just forgot about it (we were also not notified of the death). SS has now told her she owes them 18K. In reviewing the account history, the daughter has been using the account and the only deposits are the SS. Daughter is coming in to the bank to talk about this and her banker has asked what she should tell her. SS has already told her the bank is not on the hook for this and that she personally owes them the 18K. I guess my question is, do we need to do anything other than block future deposits of SS? The account has a balance of about 12K now … do we send all of that back? Wait for SS to request the funds?

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