Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (NV)

I got a cashier 's check from my friend,  XXXX   XXXX , at his bank,  XXXX   XXXX , in  XXXX  for a painting he thought was a good buy. I was intending to take my wife and child and fly to get this painting, as {$43000.00} is " a lot '' of money to us all. I told  XXXX , " my concern is, what if our plane goes down, or we 're hit by a bus, how would you get your money back ''? I was concerned that my estate would n't believe that he was owed anything. So, we thought about it, and came up with the idea that if we put "  XXXX  Collection '' on the notes line of the cashier 's check, then at least, he would be entitled to the contents of my  XXXX  safe, which would come close to covering his loss, if something unfortunate happened.   Since then, I started buying art for  XXXX , when I came across deals he liked, so I deposited the Cashier 's check at US Bank on  XXXX / XXXX /  XXXX  . The lady gave me a form and said that only $  XXXX  would be available and the other $  XXXX  would be available in  XXXX . When I asked if she could call the manager at  XXXX   XXXX , she said, " no, this is a standard hold ''. Yesterday,  XXXX  said he could wire another $  XXXX  to my account, since he was about to lose his auction items, that I won for him, since US Bank was taking too long. We went to  Wells Fargo , and a lady named  XXXX   XXXX  helped us, and said, Does USBank know they are violating RegCC rules by holding a cashier 's check? I said " I do n't know, maybe we should go ask them ''. She gave me her card, we left  XXXX   XXXX   XXXX  ID  XXXX , and went to  US  Bank at  XXXX   XXXX   XXXX . I was standing in line with  XXXX , and thought I should ask someone in a cubicle, since this was n't an issue for a teller window. The man sitting there, identified himself as the bank manager, and I said, I just came from  XXXX   XXXX  and they wanted to know why you are violating RegCC rules and withholding funds from a Cashier 's check from my friend 's account, who 's standing right there? I told him, " I have the card from  XXXX   XXXX , who said they 'd be happy to clear anything up ''. I also said, " this feels so wrong, do I look like a criminal or something? '' He said, no, I will help you, but can you give me a minute, I said " sure thing '' and joined my friend  XXXX  in line. I said to  XXXX , " I ca n't believe we 're going through all of this, when we have a simple transaction ''. He agreed. At that moment, an angry  XXXX   XXXX  approached a window and said, " can I help you '', looking at  XXXX . He pointed at me, standing right next to him, and she looked angrily at me and said, " what do you need ''? I slid the paper with the hold they gave me through the window and repeated "  XXXX   XXXX  wants to know why you 're violating RegCC rules and my constitutional rights to withhold my money? Immediately she said, maybe you should sit down and come back when you 're calm. I looked at  XXXX  and said, " have I yelled or said anything in a threatening manner ''? He said " absolutely not ''. I looked at her and said " I 'm not yelling or being aggressive, I 'm just asking you " why '' my funds are withheld. This is wrong. She slid the stuff back through and refused to help me. As we turned, the manager asked me to his desk. I told him what I was told at  XXXX   XXXX  and he looked in his computer, and said " we have a right to hold checks of any kind for  XXXX  business days. I asked, " why would  XXXX   XXXX  tell me that this was a violation? He said he did n't know. I asked again, did I do something wrong, is it my gray beard, do I look like some kind of criminal, what is this? He said, " it 's nothing like that ''. When we left,  XXXX  said, " I 'm concerned that that angry  XXXX  lady is going to report something on you, like you 're some kind of threat or something ''. I said, " Can she do that, even thought it 's not true? '' He said, " I think so ''.   That is when I went home and called USBank corporate number and had them note what happened. And now, I 'm filing this form.   I do n't want someone, like  XXXX   XXXX , to cause a problem with my banking account, my future with this great country, or homeland security, all because she needs some kind of personal counseling and decides she does n't like the fact that I ask tough questions and wrongly decides she needs to " Teach me a lesson ''. I did nothing wrong, I did n't swear at anyone, I was n't yelling, I was n't threatening, I was simply asking why they are holding clean and clear funds from my account so long and causing me to lose thousands of dollars on items I won at auction.   I did nothing wrong and need protection/assurance that this person ca n't take out her problems on me.   Thank You,  XXXX   XXXX   XXXX