u/cum-d-umpster

hello! sorry if any of this doesn’t make sense, i’m really new to all this. earlier this month i started a sole proprietorship with a dba so that i could run a small literary magazine and sell copies of it. everything was going well, i got the dba in my city (i’m in massachusetts) and an ein on the irs website using the dba name. on the pdf that they gave me it shows my first name as the top line then the company name as the second line followed by my address and the ein. it says the "name control" associated with the ein is the first four letters of my last name. all this seemed good to me.

i went to the bank right after i got all my paperwork in order with the business certificate and the ein and the bank opened my account then immediately froze it. i spoke with the bank and they said that the ein is tied to my social and not the business. i called the irs and they said to mail them to swap that around. both the irs and the bank hadn’t heard of this being an issue before and i was wondering if this is just the way that the ein appears for a sole proprietorship with a dba, or if i royally messed something up.

right now i’m stuck with about 50 magazines and some buyers lined up, but no bank account to put the sales in and was also wondering if i could just use my personal account to accept payment.

the bank says they’re going to close my account if it’s not resolved in 30 days and apparently it takes like 8 weeks to hear back from the irs. if anyone has any advice as to what to do in this situation, i would be eternally grateful!

TLDR: my ein for my dba is apparently tied to my social and that’s wrong and now i can’t open a business bank account and am looking for advice as to what i should do in this situation

so i just went into the branch a couple days ago to open my small business account with td, everything was going well, had my ein and my business certificate and all my personal document for my sole proprietorship. then they print out the form to say does all this look good and i’m like, no the ein is where my social should be and my social is where the ein should be. long story short, after 2.5 hours they come up with a "fix" for the problem.

next day i go make my first deposit and now today, it’s showing that i have no money and when i called they said my account is frozen. here’s the kicker. it’s cause the ein and social don’t match. does anyone know what to do from here because i am at such a loss. i just started my business and have bills to pay and now my account is frozen because they made an oopsie on my application.

so a little backstory, december 2023 i lost my partner, my job, my house and made an attempt. i had to move back home with my family and entered a php where i got diagnosed bipolar curr depress sev w/psych and got medicated and everything. things were going well, i got a job, an apartment, but then i started drinking again and have been in a relapse since dec 2024. beginning of may i made another attempt which obviously didn’t work, had a manic episode, and have been wildly depressed since then and i wasn’t drinking, but then i started drinking again because the depression has become unbearable. my eating disorder has also come back and i’ve lost some weight, but not a lot yet.

my question is, at what point do you just say fuck it and do an iop or php or something? how do you even navigate that with work. everything is so scary and overwhelming right now and i really don’t know what to do