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[quote=Anonymous][quote=Anonymous][quote=Anonymous]This is the OP.

To clarify:

I live on my own with my roommates not with family (thank god)
I'm the phone account holder on our phone bill. My grandma constantly says she doesn't want the phone but won't pay the early termination fee and I can't be left with any extra expenses. 
As far and the joint saving she refuses to answer the phone so I can get her to switch over the accounts. The bank is giving me a hard time. So pretty much I can't access the money without her ( another way to control me)
And yes all the money in the account is mine.[/quote]

If you're fully on the account, then you don't need her permission to withdraw the money. I had joint accounts with my mother as the primary account holder as well, and all I had to do was show up at the bank with the account number and my ID and I could withdraw funds without my mother. I'm confused as to how your money is in there but you can't access it, your name is on the account, yet you can't take it off. Go to the bank in person and withdraw the portion that's yours. The only way you would need her permission with withdraw funds is if you're not joint on the account, but in your earlier post, it was clear you are.

Open your own account, preferably with a new bank since this one is giving you the run around. [/quote]

+100 Don't say anything to anyone -- just write yourself a check or open another account , preferably at a different bank and make a wire transfer. Or a money order made out to cash.[/quote]

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