Another Rant: Going Through Red Tape Bull Do-do Again

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Well here's another rant of mine...It seems I'm going through the same aggravation now as I did last year. I had actually started a discussion about the red tape I was going through when last year I had gotten a tax-earned income credit refund from the IRS for tax year 2004. Some of you may remember the hassle I had last year, when around September when I received a tax earned income credit refund that was due my mother, but since she's deceased and I'm her personal representative am entitled to. I had been trying to get that check issued in my name only then, but the rules and regulations of the IRS state that while the first line of the payee check is clearly with my name on it, it HAS to have "Estate Of ...." my mother's name. So when I tried to deposit the check in my bank they gave me a song and dance that no, they couldn't deposit the check into my account and would have to go through this whole hassle of getting Letters of Administration from Surrogate's court, then come back to the bank and open up a separate account with the "Estate of" bullcrap. That's when I had gotten in touch with a Tax Advocate, and she said NO...I didn't have to go through all that, that as long as the first name on the first line of the check was clearly MY name the bank had to honor it....So I went bank to the bank then and after much mumbo jumbo and the bank representative calling the legal department the check was OK'd and was able to deposit the check. Well now I finally got a new refund check that is due to me too, and another tax earned income credit refund for tax year 2003 and it was issued out the same way as previously...my name first, my mother's name second... I went to the bank today, armed with the letter from last year by the Tax Advocate, a print up of when I had deposited the other refund check and a photo-copy of the last check from last year....BUT NOOooooooo! Having the same friggin problem now....I did just call the Tax Advocate's number again, but could only leave a message as she wasn't there..I mean what is the deal here? any advice here???? The jerk that I talked to at the bank said to come back tomorrow and I could speak to some supervisor...but why this friggin' hassle again??...I CLEARLY was able to deposit that refund check into my account without too much of a hassle, so why the hassle now...you have any idea HOW MUCH I need that money?? Wasn't that letter from a Tax Advocate enough? In it, it clearly states I don't have to get Letters of Administration or open a separate account. The jerk I was talking to said that the letter from the Advocate meant nothing....that it wasn't something from the IRS itself...Tax Advocates DO work with and under with the IRS and have as much authority legally wise as the IRS. Tell me your own aggravations with your bank....would love to hear