answer:If your dad was left the things by your grandfather (by will or simply being next of kin) then they are his to take out. Though you may have to fill out some paperwork to get them. Everything social security paid to your grandfather prior to his death is now the property of your father. If social security continued to pay into your grandfathers account after his death, by law you need to report that so they can take back the money they shouldn’t have been depositing. Further more I don’t think Bank of America can legally “lose” the account from inactivity. And if they do I think they have to give it to you. It sounds like they’re trying to trick you out of money, and frankly I would take it out and not put it back there.