This was a business checking account set up for a LLC and a EIN was used to open it. The bank asked for my SSN as proof of who I am. At least that’s what they told me. I never was a personal guarantee for the business. Never accepted a loan, LOC, or credit card for this business. Another business wrote my business a check for service. The check cleared and funds were used. The amount of the check was $18k. Then 3 weeks later, the bank reversed the check and it left the business in the negative. Their reason for reversal was that I didn’t have the right to open the checking account because the corporation papers show someone else as the resident agents so that person have to be the owner. I explained that they were only the registered agent and I was the owner. I provided proof that I was the owner. The bank decided to still close down the account. Fast forward to a year later, I contact that bank to pay the fees associated with the account and was told that they didn’t have any charged off account associated with me or my business. A few months later, the charge off appears on my personal credit bureau as a loan for 1 month. Nowhere in the paperwork that I signed at opening does it say that if/when charged off, it will report to personal credit report.