Consumer complaint received 2018-08-31
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I work an evening-into-night job as a XXXX to a XXXX company. I am paid approximately once a month sometimes a little early, sometimes a little late, around the XXXX of the month. 
Because my employer has bounced checks on me in the past, and because of the uncertainty of how and when banks clear funds when I deposit a check, I have a well-established pattern of my deposits with my bank, US Bank, at XXXX XXXX XXXX in XXXX XXXX, Missouri. 
Within a day or two that I receive the check from my employer, I negotiate the check at my employers bank and get my pay in cash. From there, because I dont want cash on me as this is hundreds of dollars, I go directly to the US Bank branch on XXXX XXXX to deposit the cash. This way, I know the money is available, as I live paycheck to paycheck, and I have important medications to purchase, as well as all my living and car expenses. 
I negotiated my XX/XX/XXXX, paycheck at my employers bank ( XXXX XXXX   of the XXXX, XXXX XXXX branch ) on XX/XX/XXXX. From there ( early afternoon ), I went directly to my US Bank branch ( XXXX XXXX ). I parked in the parking lot and walked the cash in. I deposited {$900.00} in cash. I can not remember the exact denominations of the bills from XXXXXXXX XXXX, but it would generally be a mix. I have only a checking account with US Bank. 
Much to my surprise, as I was recently paying bills, I discovered that US Bank did not credit this cash deposit to my account! I have searched high and low for the receipt, but have not been able to find it. These are vital and necessary funds for me. 
As soon as I saw this discrepancy, I went to my branch to talk with them. They dismissed my claim, and they refused to help in any way. I asked, since this is a long-established pattern and I know a bank has several security cameras all over the property, if they would help by looking at camera footage. In the early afternoon of XX/XX/XXXX, they would likely see my truck in the parking lot, they would likely see me coming through the doors, and they would likely see me at a tellers station. All very reasonable as Ive been a good customer, and I have this well-established pattern. 
They refused to help. They claim I must subpoena them. How is this for customer treatment? 
I called US Bank Customer Service on XX/XX/XXXX, and explained the situation. They also refused to help me in any way. 
I went to the police to file a report, but because of the nature of the incident, they would not take a report. 
I suffer XXXX XXXX, and this has just about put me over the brink with extreme XXXX and XXXX. All I want is a fair effort on their part to help. Afterall, it is not out of the realm of possibility that someone pocketed that cash. It is difficult to trace. But it is NOT difficult to establish that I indeed was at the branch that day and made a transaction that is totally within an established pattern of business. 
I am attaching in this complaint a copy of the negotiated check from my employer dated XX/XX/XXXX. This establishes the start of the events that created the cash deposit at US Bank in the amount of {$900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation