Suing a Bank

[Dead_Hed]

What is the name of your state? Illinois, I have recently had personal funds taken from my account by BankOne for a debt I allegedly owed on a Business Account. I was not notified of this debt, and apparantly beacuse there is a field asking for my social security number on the form used to open the Business account, this gives them the right to take personal assetts??
I have been in discussion with the Customer Service at Bankone and I have argued two points.
1- This is my Personal Checking account and the transaction was unauthorized so as the owner of that checking account, I am demanding that Bankone return my money.
2 - Even if the debt is legitimate, I should have been notified about the debt and been given an opportunity to repay it on my schedule.

The only way this was able to take place was because I chose to use BankOne for my business account and my personal checking acct. Had I chose to bank anywhere else they could not have taken this money without my knowledge. So I would like to find out if I can pursue this in court?
Or
Is there a Federal Bank Regulatory commision I can file a complaint with.

Any information or advice will be helpful...
Thanks in advance

 

[Dead_Hed]

Suing a Bank - Good News

Well I have some Good news.. I spoke with a supervisor regarding this unauthorized transaction and after further review, the charges were reversed. I guess I was lucky to get put through to a supervisor, but that wasn't suggested until I started requesting all the documentation they have supporting these charges..So the good news is I got my money back without having to pursue this legally. It did take persistence on my part to get these people to review the situation, so the moral of the story is - Always ask for a Supervisor ;-)


A someone new here, I appreciated having a a place to go to for advice, or at least to vent. Thanks for your help
Sincerely