When my mother passed away a few years ago, my brother and I needed to establish a trustee account in order to pay lingering bills. We did so with Wells Fargo, who, in view of the fact that my brother and I barely speak and have no trust in one another, the bank recommended a " joint/and '' account, which would require both signatures in order to write checks, move funds, etc. The bank required copies of Mom 's will/trust account etc for verification that all funds were to be distributed equally, with which they were provided. 
I have recently discovered that my brother was able to cash out and close this account, without my knowledge, consent or signature, for the full value of the remaining funds! 
The bank has stated that this account " did not need to be monitored '' ... and that they take no responsibility. 
What is the purpose of this account if it is not monitored? Why was my brother allowed to effectively steal the money? 
I work in retail ... if we sell a product that does not work as stated, we offer a refund. This account, which was suggested for both of ours ' protection, clearly " did not work ''! The bank XXXX, I am at a loss, and they tell me to " get a lawyer '' and sue my brother! 
In my eyes, the bank is at fault, and owes me half of the money but they refuse to compensate me for their misconduct. HELP!! 
