Consumer complaint received 2019-09-05
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went into us bank to open a savings account XX/XX/2019. The bank is familiar with my face due to me having a safety deposit box. After I deposited my money order the clerk whom I was directed to for finishing up asked me where did I get my money order from and she has never seen any money orders with the amount that I deposited. I immediately felt where she wanted to fake the conversation I told her I got the money order from a check cashing place and had a few of them. She asked me did I want go withdrawal the 2 or 300 dollars that was available immediately for use while my check processed for clearance. I declined because I did not need it at the moment. We ended our conversation with her telling me that my bank card would arrive in the mail between 3 or 5 business days. exactly one week later after opening my account I went to withdrawal the 2 or 300 dollars that I was told was available to me for a bill. While in the drive thru of the bank I had communicated with a teller and given her my bank slip. As more people arrived they were serviced while I continued to wait and blow my horn and did not get an response until after three or five minutes. I was told that I could not withdraw any funds until my check cleared which would be the next day. When I asked about my 2 or 300 dollars that was available for me to take the first day I deposited the money the lady and man told me that someone lied to me. And that I would not be able to take any money out. I came inside and asked to speak with a manager there were two of them sitting at the desk. They told me the same thing and i asked to close my account and for my money back they told me I could not do anything until tomorrow. I wanted to cry. I knew that they were lying and were treating me like a criminal. I am not sure if it was the color of my skin or my age or the way I look as an individual but the way I was treated and made feel no one should ever go through that. Since the day I have opened the account I have been checking my mail daily for my bank card which has not arrived yet. When I called the eight hundred number I spoke with a representative who confirmed that the 2 or 300   hundred dollars should have been released to me even before the check cleared and that my bank card was never ordered. I was discriminated against and treated unfairly, differently and lied to. I am a customer and I did not feel like one. Since this has happened I felt that something was not right and I was not able to let it go. It was not fair. I am so angry about this and I do not know what should and can be done to make things better but I do know I was not treated fairly.Went into the bank on XX/XX/2019 to speak with the branch manager because I was not sure if you received my first complaint. My husband and I sat down and talked to him about the incident that occurred and how we felt. We let him know we were discriminated and stereotyped. He agreed. Not only did he agree he apologized and mentioned money laundering and how cautious they have to be. No matter how many examples he gave for the reason why I was treated the way I was we still came back to my main topic of discrimination and stereotype. I know that there are many people who do fraudulent activities and I am not one. But if there was a suspicion my money that was available to me should not have been held nor my card should not have been shipped AFTER my check cleared. I should not felt that they had a suspicion that should have been done and handled behind business doors. I am a client. I should have been treated like any other banker whom goes inside a bank to deposit any type of money. I could not sleep nor understand why I was treated as such. I was promised for my card to be rushed shipped to me at no charge and would receive it in 2 or 3 days. I got an email saying 7 to 10 business days. I am still being treated like what happened was not big nor did my words matter. Whenever I come into that bank I am forced to wait over fifteen minutes to get into my safety deposit box while others come in and get right out and I have been waiting longer than them. It is not right and something should be done.

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