Consumer complaint received 2022-06-15
Company: UNITED BANKSHARES, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX United Bank Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Washington XXXX DC XXXX United Bank XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX Branch XXXX Assistant vice President I walked into a bank on Monday XX/XX/XXXX to open a Rewards Checking Account with a free insurance policy and other amenities. I went into the bank to deposit a check for the amount of XXXX and from a company that I have done business with named XXXX and XXXX XXXX a subsidiary of XXXX Now and technology company. I was contacted by XXXX now in reference to some support they needed in regards to audio and visual information and services in the XXXX sector that supported them with regards. I am under the impression that the bank and other agencies like the treasury department or the bank XXXX XXXX are prejudice and maliciously biased to me depositing a check. Inferred that I was engaging in fraudulent activity in regards to activities that I conduct in the financial sector. I would like to state for the record that I have never been arrested for any white collar crimes or critical acts in regards to fraud or exploitation in banking. I would like to submit a letter of intent for referenced materials and insights into the activities of my XXXX XXXX XXXX  Account and My recently opened United Bank Account in regards to activities that the staff or loss prevention department has inferred. If the indication of inference is related to any law enforcement person whom this law enforcement person is and what probed credible insights that posses to infer that fraudulent activity was done on my behalf or by my referred name in my bank account. 

I was informed by XXXX XXXX XXXX a branch manager Assistant Vice President XXXX ID XXXX which can be contacted at XXXX and email XXXX regarded a phone call he received that stated to close my account and fraudulent activity was going on in my bank account. I want to inquire why the bank Loss prevention department didnt not just close the account directly from its main office. I would like to inquire why I was not contacted in regards to the account and what information was submitted to the bank from the check issuer XXXXXXXX XXXX  which when I called on Monday stated that the check was clear and that funds were available for the clearing of the check. 

I am also submitted a claims number to the XXXXXXXX XXXX XXXXXXXX for a second or third time in regards to accusations of fraud that have been stated in regards to me and affected my credibility and applicability of maintain a proper bank account. I would like to state for the record That have had as bank account since XXXX and have had no issues in regards to my bank account. I also have a Federal Trade Commission block on my IDENTITY because a person has stolen my IDENTITY some years ago and that the FEDERAL TRADE COMMISION as well as other banks and institutes are engaging in identity monitoring regards to me and issues that have removed off my Credit regarding as person whom had my Drivers Licensed and was acting like they were me. 
These issues may have had a negative affect in regards to my credibility or worthiness in regards to my bank account and standing with your bank. Please address these issues and I would support an investigation from third party on my behalf in regards to these activities or civil dispute in court. I have not made these accusations public but its is apparent that public sentiment in XXXX to me in in a derogatory regard to my stability in professionalism. 
I would support indication of these facts and actionable terms in civil discord. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX These excerpt from the XXXX XXXXXXXX XXXX XXXXXXXX states that The XXXX and Investigators should seek to find illegality in the content that is presented to the investigators at the time of the supposed crime. To indicate a level of criminology in the offset of what circumstances have been assumed but actually findings are not foreseen. 

The offset of assuming craniology and then the probe not foreseen in indications of crime. That is considering malicious and excessive in prejudice. I do want to note that the duty of law enforcement is not to create crime or insight crime but deter crime. Sometimes engaging as a indicator of a person of interest whom might be engaging in a crime can been indicative of excessive and abusive conduct of enforcement. Negating the cause of a civil and citation of conduct. 


The enclosed check has identifiers of audit and markings that are indicative of future audit. These general accommodations of operations are key indicators for indication. Under the preliminary probe of the information presented to myself and the readers of this report. Notice on the following clip. The number marked in ( >< ) are indicators of the account number on file. I asked the bankers to explain these numbers to me and he stated We change the numbers for the security of the clients. I responded that I have had a bank account for many years and typically when I deposit a check it shows my account number so that I know and the bank knows that the check was deposited into my account. The following photo shows the ID card of all the persons whom I interacted with at the bank. The person I am mostly referred to is the Bank Branch Manager., Whom also stated that he received phone calls from United Bank and from XXXXXXXX XXXX that the check was fraudulent. A business check is written that the check numbers leads the routing number follows and the account number ends the check form. XXXX Bank stated they had no issue with the check clearing and the amount noted. 


Area marked at ( C ) is where the account number should be stated ( B ) record of transactions for the day ( D ) batch number of cash and drawer receipt ( XXXX ) date ( A ) date and record of receipt I spoke to someone at XXXX bank by calling in and she stated that the check was fraud. Her name was XXXX and she said it was identified as fraud. I asked is it because of the account number being incorrect as the XXXX deposited the check into the newly opened account, she said no they spoke with XXXX bank and they said the check was fraud. In response I spoke to XXXX bank and they said that the check was clear and the amount was guaranteed. 



I have had multiple issue with bank choosing to remand my activity as false. Incorrect or fraudulent. I have not engaged in any conduct seen as fraudulent. I support and investigation to the matter and if foresee and criminal indication from these probed evidence and actually data. 



My bank account number is listed and the deposit slip. The numbers on the deposit slip are slightly different from the numbers on the check deposit printout.

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