Judy Rivers went to the bank with a simple request last April: She wanted to open a safe deposit box. The response, while equally simple, was a complete surprise. The bank turned her down. Why? She was dead. And she couldn’t get anyone to believe otherwise. So began a mysterious red tape journey that she says has led to multiple denials of credit, extreme difficulty in accessing her own money, and at one point, a confrontation with police that nearly landed her in jail.

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