Consumer complaint received 2022-08-01
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I deposited a small XXXX XXXX check for missing items from my deceased father 's apartment which was sent to me after his death on XX/XX/XXXX. He died of XXXX and due to grieving and other family complications ( husband diagnosed with XXXX XXXX XXXX XXXX XXXX following his XXXX XXXX ), I did not deposit this check for quite some time. My husband 's father passed in the interim and we were told by his father 's executor that we could deposit an older check written to him in the automatic teller and it would be fine. I did that and it turned into a nasty fiasco with US Bank  in which they REFUSED TO COMMUNICATE WITH ME, REFUSED TO ACCEPT MONEY TO BRING THE ACCOUNT TO XXXX BEFORE CLOSURE, REFUSED TO INFORM ME FOR MONTHS. This is the work of the so-called " back office '' which strikes fear into the hearts of tellers, bankers and managers. As a result, I was treated like a criminal when I first went to a US Bank branch in XXXX XXXX, XXXX on a Saturday ( XX/XX/XXXX ) after learning that my account was frozen and we could therefore not get back to our hotel in XXXX XXXX, XXXX  Not only was I refused to deposit cash in the amount of roughly {$190.00} but I was treated roughly. My XXXX XXXX XXXX, terminally XXXX XXXX and I and XXXX XXXX XXXX were left without transportation. I finally found old-fashioned cabs to take cash payments and, hours later, found our way back. The following Monday, I called for the Manager of my branch who was " in meetings ', next day " out '', then " out of vacation '', same for Assistant Manager and both at the same time. I was also very rudely treated when I called the branch on XX/XX/XXXX as XXXX employee was yelling on the phone and told me there was nothing she could do or she'd lose her job. I was seeking information at that time about what happened. I had no knowledge of what the problem was, etc. I asked for the check or a copy returned to me multiple times and a letter or call. Nothing was received. I called the number on the back of our cards. I was told yesterday XX/XX/XXXX that our account was " charged off '' for {$180.00} without so much as even allowing us to pay cash to clear it though I tried XXXX different times at my branch and another branch. THIS BANK IS CREATING WRITE OFFS FOR ITSELF AT THE EXPENSE OF ACCOUNT HOLDERS AND THE PUBLIC AND FOR NO GOOD REASON. This check has since been reissued and could have been reissued much earlier by XXXX with a little old fashioned communication and customer service on the part of " US BANK ''. I have obtained the necessary paperwork from my new bank ( XXXX ) to have notarized for small estate status, which applies here, in order to appropriately cash this check. WHAT A SHAME THAT PEOPLE SITTING AT HOME IN PAJAMAS BACK OFFICE ARE ALLOWED TO MISTREAT GRIEVING FAMILY MEMBERS FOLLOWING COVID LOSES TO CLAIM WRITE OFFS FOR A CROOKED BANK. My husband was also lied to about having qualified for a credit card so he would give our account opening agent at our home branch permission to " send him a credit card ''. He was denied and did not receive a card but did receive a hit on his report. I questioned it at the time. If he is qualified, then why does he need to wait to qualify? THIS BANK IS SUPER XXXX!!!! AND EMPLOYEES SUPER NASTY!!! THE XXXX OF OUR HOME BRANCH WAS EACH TIME I EVER APPROACHED HER FOR ASSISTANCE ON ANYTHING JUST AS SNYDE AND RUDE AS SHE COULD BE. Be done with this bank. We want to pay off this charged off amount and have the charge off reversed. WHAT A NASTY MEMORY OF LOSING MY FATHER TO XXXX. AND TERRIBLE TREATMENT FOR SUCH A SMALL AMOUNT OF MONEY WIHTOUT ANY COMMUNICATION. Other banks also have these similar practices. Get rid of " back offices '' or heavily regulate them now. THEY ARE XXXX

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