I put my daughter on my personal checking account over 5 years ago. In that time she has never written a check and does not have a debit card for the account. We are also in business together. We had a job XX/XX/XXXX that we needed to buy supplies for and the business account was too low. Since I had over-draft protection on my personal account I just used my debit card with the intentions of paying myself back ASAP. Two weeks after the event I sat down to balance my account and none of the 8 individual charges I made on XX/XX/XXXX and XX/XX/XXXX showed on my bank statement. I called the bank with the receipts in my hand and they could not find them either. They told to watch my account for another two weeks and call back if they did not show up. We had applied for a loan with another institution that was sure we could would qualify. Filled out all the paperwork, was told when the check would be cut, etc. The underwriters did a final pull ( on or about XX/XX/XXXX ) of mine and my daughter 's credit scores and hers dropped XXXX pts ( she went from XXXX to XXXX ) and we did not get the loan we wanted. Told the bank that was impossible and they showed us the numbers. I remembered we had gotten a letter about a week earlier from my personal bank saying my daughter was three months behind on a payment. She only has one card from that bank and she uses it for our business. The account numbers did not match and I just laid it aside. When we were told about the credit score dropping I remembered the letter and had my daughter call the bank. They informed her she had a balance on her constant credit/overdraft protection. She told them she did not have a checking account. They then informed her it was joint with me. We then figured out they opened a constant credit/overdraft protection in her name and did not run it through mine. They did not notify her, they did not send statements and " I '' made the purchases with " MY '' debit card. She had nothing to do with the purchases. How can they take the purchases " I '' made and open an account in my daughter 's name? I did not have a balance on my overdraft at that time. I asked them to transfer the money to my account where it belonged and they told me at first they could not. I threatened to sue and it got done. I also requested it to show up as individual line items, statement attached. I requested they contact the credit bureau to fix the problem. They refused but we did get a letter saying everything was mistake to give to the lending institution. At that point the underwriters told us we would have to wait until after we filed taxes to apply again. I still think they should make things right with the credit bureaus and I feel like they owe me the loan I could not get at the other bank. This has greatly inconvenienced and embarrassed us. We asked for a copy of a statement for my daughter 's account and a copy of my account before they made the adjustment but we received neither. I have attached the letter from the bank, a copy of my bank statement after they adjusted everything and copies of the receipts with my Debit Card # s. Repeat my daughter does not have a debit card on this account. I have marked where they listed the individual purchases and advanced me overdraft protection/constant credit. It was all back-dated to the time of the transaction and not when it was processed. You will also see and in and out in the amount of {$1400.00} where they adjusted my account for the amount they put on the account they opened for my daughter. I marked the charges on XX/XX/XXXX and XX/XX/XXXX that they went back listed separately. My daughter never, at no time, received a XXXX balance statement. They told us before they closed the account she could have checked the account online. You can not check what you do not know you have!