Consumer complaint received 2016-09-17
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2016, about XXXX I met with a bank officer at a usbank draft drawn on usbank. I called the same branch XX/XX/XXXX, and asked if the draft was drawn on usbank and if I would be able to cash it there. I was told it was a usbank drawn draft and I would need proper identification and possibly speak with a bank officer. I verified the amount of the draft, requirements to cash, and that even though I was not an account holder because the draft was drawn on usbank I would be able to cash it. Upon arriving on XX/XX/XXXX I met with a bank officer who looked at the draft ( she never used her computer to verify anything ) and told me usbank would not cash it as I was not an account holder of theirs. I confirmed with the XXXX that the draft was drawn on usbank and I had proper identification ( which she never picked up off her desk to examine ). She said I must deposit the draft in my account at another bank before they would honor it. I told her about the phone conversation I had the previous day that had assured me they would cash it. She said that I was misinformed .I expressed my confusion as the draft was secured and drawn on usbank. I then stated, " I feel like I 'm being '', at which point she cut me off and said, " No that 's not it " .I asked her, " if I open a savings account then I can cash this? " She replied, " No We do n't open accounts just so people can cash one check. '' I said, " I did n't say that, I asked you if I open a savings account then I can cash this, right? She said, " I know your just doing it to cash this draft '' I had not said that nor was that my intent.She stood up walked to me and told me it was time to leave.I asked f she was denying me the opportunity to apply for a savings account, she said " yes '' I confirmed that she was refusing to honor a draft drawn on usbank .she said dposit it in my credit union account. I said so you are denying me to cash this.She said yes I said I do n't understand I never heard of or had to do this when cashing checks at the drawn on bank. She stated, " I can have the branch manager talk to you, but he s gon na agree with me.I said, " yes, that I would like to speak with him '' She left to get him. I grabbed my tape recorder, and returned toher office.She returned, without the branch manager, and told me he agreed, it was time for me to leave now I stated my confusion and frustrationfer not being allowed to apply for a savings account and my disgust towards usbank for not honoring there own draft and unprofessionalismI have audio recording which included many phone calls to usbank, phone call to the branch that had discrimintated against me, during which the officer I had met with got on the phone and I expressed that I did n't want to talk to her, I wanted the branch manager.She told me she was the acting branch manager that day and denied me the manager she consulted while I was there.I talked with the district manager who stated they were under no obligation to honor any draft whether it be a personal check, or a cashiers, or anykind of draft. I asked him about the U.C, C, information I had read he saidf, " Im not a lawyer how would I know any of that? I asked him why he had brought up federal laws or anything if he was n't a lawyer and his knowledge was so restricted. He stated he was backing his managers.I sent an email to usbank I expressed numerous times that I had taken work off to cash draft, and that I had lost time and wage because of their discrimination I was unable to complete business deals I had set up that would have benefitted me several thousands of dollars at least because depended upon the funds of the draft I was told would be honored by usbank. Proof of this monetary damage will be provided upon request as well as audio recordings the names of usbank employees involved are also available

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