Complaint sub-issue: Funds not received from closed account

XX/XX/2022 I deposited a check from the IRS into my US bank account. The bank teller XXXX placed the check on an extended hold until XX/XX/2022. On XX/XX/2022 US bank placed a hold on my account because of suspicious activity. My husband and I contacted e-Fraud and spoke to XXXX, who was the XXXX reviewing our account. She told us we needed to visit a branch in person to get assistance and verify my identity because according to her, I said my birthday incorrectly and did not correctly identify myself over the phone. So we visited a branch where we sought the assistance of XXXX, the branch XXXX and contacted XXXX to speak to XXXX again to prove that I am who I said I am over phone. With e-Fraus on the phone We verified ALL the activity that US bank assumed was suspicious which included a failed XXXX transaction attempt, previous incoming deposits from my father XXXX XXXX, and several XXXX transactions which were reversed by XXXX causing it to appear as though funds were being deposited when they were only be credited back to the account. It seemed as though US bank was looking for any reason to freeze the account, which it has demonstrated. On XX/XX/2022 we received a letter from US bank that our account was going to be closed due to its incorrect determination and assumption of suspicious activity within the account. Since then we have been trying to schedule a meeting with XXXX XXXX, the branch manager of the XXXX XXXX branch in XXXX XXXX, which is our home branch. We scheduled a total of XXXX appointments with XXXX XXXX and called the branch as well as customer service a total of XXXX times, while the branch failed to answer a single call, each call with US bank customer service was recorded by us as evidence for any current or future action ( s ) to be taken by my husband and I against US bank for its misconduct and mistreatment. US bank still has not issued our balance of {$120000.00} although it stated in its correspondence that it would remit our balance to us in XXXX business days after XX/XX/2022. After further attempts to receive our money we spoke to the XXXX XXXX, district XXXX who told my husband and I that US bank was holding the funds in the account because it does not believe that a check which was deposited on XX/XX/2022 in the amount of {$130000.00} would not be paid when in fact US bank has already received payment for the check which was deposited as it was a check directly from the IRS, a treasury check, fully verifiable. Several customer service representatives that we spoke to confirmed that US bank had already received payment for the check, which is why it did not return, these statements were captured by my husband and I on a recorded phone line. US bank still refuses to allow the branch manager to payout our account via cashier 's check nor fully close the account despite its own letter stating it intended to do so, and issue our balance. US bank is literally withholding all our money from us intentionally and maliciously. We have entered into extreme financial hardship as a result. Due to the harm inflicted upon us by US bank we have become homeless, having lost our home, and continue to suffer because US bank thinks the check that has already been cleared and paid to US bank will return, however as US bank well knows the funds from the treasury check which was deposited on XX/XX/2022 was from the IRS and can easily be verified through treasury resources and systems furnished by the IRS, or simply by calling the Internal Revenue Service and confirming the check via the check number, amount, and payee ( s ). My husband and I have not requested the IRS to cancel the check and issue us a new one, nor have we filed Form XXXX ( opening an inquiry into the tax return we have not received ) simply because we have already received our tax returned and deposited it into US bank. US bank has financially crippled our family for about a month now and has shown no signs of relenting, moreover it is waiting for a valid check to return which based on how financial instruments work, would've already returned by now if it weren't valid., simply put US bank is looking for any reason to withhold paying us our remaining balance and will try to justify it by any means necessary. It does not care about the harm it is causing us directly from its actions, it using words such as " inconvenience '' and " frustration '' to pretend it is not destroying what is left of my family which would otherwise be well had we not trusted our money and business with US bank which has ironically turned out to be the one conducting suspicious activities. US bank says that it protecting the interests of its customers as well as itself but clearly based on all the actions that have taken place by US bank it truly has no interest in protecting its customers rather it prefers to inflict unforgivable and major harm upon those who have placed every XXXX of their money into a US bank account. US bank is a common criminal for what it has done and still continues to do. We are entitled the money that we put into US bank. The funds which US bank believes will return will never return as the check is valid and can be verified, therefore it can be assumed that US bank will continue to withhold our money until either we contact the IRS and request them to issue a new check, which will cause that check we deposited to US bank to return thereby justifying US bank 's false claims and accusations or it can be assumed that US bank will wait the maximum legal time allowed before they will issue our full balance, after which time we may be unable to collect them. We deposited the check into the XXXX branch because it was closer, we did not purposely avoid depositing the check into our home branch, as we did not know the concept of a home branch.