I have a friend whose husband had this problem when he first arrived. She warned me about this being a potential problem. It is because the SSN appears to belong to a "baby" because it is so new, and why would that "baby" need an account. She was part of a small regional bank, so they resolved it right at the bank. I would go to another branch of the bank, and find someone that is patient, knows what they are doing and can help you through the process.