I'm sure someone else will have more knowledge here, but as a precursor: Courts and the lenders who file cases within them are able to do what's called "debtor examinations" to easily identify and locate your bank, employment, etc. It's not very difficult these days for things to be located, however, as with any Personally Identifiable Information or banking information, there must be a valid reason to do so as well as courts approval. By chance did you have a judgement against you or fail to appear for a hearing in regards to a case?
It was likely the loan and they probably asked.
The other way is if an account is reported to the IRS for interest or dividend earnings.
Chase gives 0.00% basically in their standard checking account, BOFA similar so there is nothing to report... fact is not even the IRS can find them; color me skeptical on there being all sorts of tracks available, there's federal laws with harsh penalties when it comes to protected information now.
@Anonymous wrote:I recieved a letter today from a small local credit union I have an account with that sent a notice of garnishment from my county's civil court. I am not sure what this for yet. But the letter stated that they had to send money from my account(it wasnt much they took, only like $30). I only have an account with this credit union because I had to open one in order to have my auto loan through them. So I barely keep any funds in this account.
My question is, and this is mainly because I would like to figure out what in the world this is from; how did they know I had an account with this credit union? Could it be because of my auto loan? Besides the funds in the accounts, I don't have any assets with the main banks I use(BoA and Chase)? Would they also be able to find out that I have accounts with BoA and Chase? And if so, how would they find out this info? I didn't think who you bank with was public knowledge. Any help would be appreciated.
How can you possibly answer the question "how did they know I had an account with this credit union" if you don't know who the creditor is who has the judgment.
Maybe you disclosed it in a credit application.
Maybe you paid them with a check from the credit union.
Maybe they found out from some other creditor who has the information.
If your name / SSN / Driver's License # is attached to anything, then trust in the fact that Uncle Sam (The Court and Law Enforcement) know anything, everything, and all they want to know about you or any account you've had in your lifetime and 10x above just that. It's easily and readily available.
