Consumer complaint received 2022-08-20
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This complaint is a new complaint, and its issues stem directly from CFPB Complaints IDs XXXX and XXXX. Please reference those CFPB Complaint IDs in responding to this new complaint. I received a paper check from the Minnesota Department of Revenue, made payable to " Estate of XXXX XXXX XXXX, '' who is my deceased husband and a former joint account holder on the checking account referenced in this complaint. For security purposes, I have uploaded only a copy of the envelope of the check. Because XXXX is deceased and no longer a joint account holder on checking account XXXX, I had concerns about depositing this check since the check is not made payable directly to me. Per my conversation with XXXX XXXX XXXX of U.S. Bank on XX/XX/XXXX and her e-mail to me on XX/XX/XXXX, XXXX coerced me and relegated me to using U.S. Bank 's Wealth Management call center, who XXXX XXXX says `` This team handles many servicing requests for our Wealth Management Clients such as wires, account inquiries, ordering checks etc. '' On XX/XX/XXXX at approximately XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX. I called the Wealth Management banking center to inquire on how to properly deposit this check and avoid any potential flags of fraud or risk on my account, since the check is not made payable directly to me but instead is made payable to my deceased husband. On those three, separate calls, I was not able to reach a live agent because U.S. Bank Wealth Management 's phone system could not transfer me to a live agent, it told me there was a 25-minute hold or hung up completely on me. As a result, I still do not have any answer on how to properly and accurately deposit this check, because XXXX XXXX and her team -- XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- have retaliated against and discriminated against me for making good-faith complaints about them to regulatory bodies for their conduct ; for XXXX XXXX 's failure to invest my money ; and for XXXX XXXX deliberately refusing to work with me for the same retaliatory, discriminatory reasons. I am unable to deposit the check until I have a definitive answer on whether or not depositing it may create fraud or risk issues ; if I had a Private Client Banker assigned to me, who was initially XXXX XXXX, I would not be in this burdensome, financially difficult position -- a position created by XXXX XXXX and her team that has now cost me the ability to deposit funds into my own checking account. XXXX XXXX 's actions and her team 's actions have now proven, in tangible form, to have treated me differently than other customers who did not make good-faith regulatory complaints against them. Additionally, unrelated to the deposit of the check, I received in a more than {$150000.00} deposit on XXXX XXXX, and I have reached out to US Bank Corp Investments ' call center to find a financial advisor to help me invest this money, as mentioned previously in the above-mentioned CFPB complaint IDs. The soonest I can receive any financial advisory to speak, someone who doesn't know me or my specific financial situation, is not until XXXX, XXXX XXXX. Until then, XXXX XXXX and her team 's coercive, discriminatory and retaliatory actions have cost me tangible financial loss in the way of being unable to deposit funds nor invest the most recent deposit of more than {$150000.00}, which brings my total portfolio value to nearly {$330000.00}. I have attached an e-mail I received from one of US Bank Corp 's call center financial consultants concerning the availability of a potentially new financial advisor to assist in investing my money -- money that's sitting uninvested and potentially losing money as a direct result of XXXX XXXX and her team.

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