Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ENTERPRISE FINANCIAL SERVICES CORP
State: WI

Complaint narrative:
What happened? 
To begin, the CFPB has faslely closed Complaint XXXX ( filed XX/XX/XXXX ) stating it is duplicate. As evidenced on encl. CFPB Complaint portal screenshot, this is categorically false : no other " duplicate '' exisists of the XX/XX/XXXX XXXX  check issue exists. The last complaint I filed was on XX/XX/XXXX ( CFPB XXXX ) ; ref. XXXX XXXX XXXX XXXX. See encl. true and correct print-outs. 

I am a XXXX person as defined under the Social Security Act, ref. 42 U.S. Code 1382c ( a ) ( 3 ) ( A ) and 20 C.F.R. 404.1505 ( a ), and Wis. Stat. s. 106.50 ( g ). I am the Owner/Resident of XXXX XXXX in XXXX XXXX XXXX XXXX I rely on mobile banking for mobility XXXX. 

I timely mailed XXXX XXXX  Check # XXXX ( {$440.00} ) for XXXX  payment on XX/XX/XXXX. 
I downloaded from XXXX XXXX  's banking portal the encl. true and correct copy of front and back of check. The back of the check demonstrates that the check was received on " XX/XX/XXXX XXXX '' The check further demonstrates that Enterprise Bank & Trust willfully and purposefully did not cash the check until " XX/XX/XXXX at XXXX '' in order to assess me with a false {$20.00} deliquency fee. 
This is the malicious pattern and practice of conduct by Enterprise Bank & Trust 's Specialized Banking XXXX XXXX XXXX of Enterprise Financial Services Corp, XXXX XXXX XXXX XXXX XXXX, MO XXXX has been going on for many years. 

Despite my XXXX checks being timely mailed and received, they are continue to wilfully and purposefully not cash my checks until after the XXXX of the month, with pre-mediated vexatious intent, i.e. assessing me with " late delinquency '' fee of {$20.00}. This occurred with XX/XX/XXXX XXXX  check, XX/XX/XXXX XXXX  check, the XX/XX/XXXX XXXX check, and now XX/XX/XXXX XXXX  check. 
Moreover, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX  ) falsely attested in encl. electronic letter dated XX/XX/XXXX at XXXX XXXX CDT that the check " arrived this afternoon [ XX/XX/XXXX ] when in fact, it arrived and was stamped XX/XX/XXXX. 

It is further noted I took encl. time-stamped photograph of the check and envelope for proof that the XX/XX/XXXX XXXX  check was timely mailed on XX/XX/XXXX in the lobby of the XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ) because of XXXX XXXX XXXXXXXX XXXX  dishonest history. I reported to the Postmaster ( XXXX XXXX ) who has the lobby surveillance video ; to date, he refuses to normally and regularly respond. I knew this was occurring on XX/XX/XXXX and sent the encl. letter to management. After the previous incident, to obfuscate the accounting records, Enterprise changed XXXX XXXX 's account number from account ending in XXXX to account ending in XXXX. Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX, has access to the delivery/monitoring of these check desposit XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) each piece of mail is scanned and an audit record of the check exists. She too refuses to respond to this request and the last time this occured. 

No other Owner faces this financial harassment. This is continued financial retaliation is for XXXX XXXX Case Number XXXX filed by XXXX XXXX  XXXX XXXX XXXX XXXX XXXXt against XXXX XXXX XXXX XXXX XXXX harassment and refusal to allow me to access the electric chair lift in the Building XXXX 's hallway despite encl. XX/XX/XXXX letter from my doctor attesting to medical necessity ). This is harassment for my report to HUD of recent Fair Housing Violations ( Management refusing to conduct Fire Tests from for 2 years, threatening to remove the electric chair lift of which I am a part owner- deeded appurtence to unit ). They refuse provide me with Meeting Agenda and allow me reasoanable accomodation to participate in Annual Meeting ( XX/XX/XXXX ) ; they delete me from all condo email distibution notices that XXXX Owners received. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX Encl. 

Cc. 
XXXX XXXX, Acting Director CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX Atty XXXX XXXXt Consumer Protection Branch, U.S. Department of Justice XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX DC XXXX Email : XXXX Atty XXXX XXXX Director , Civil Rights Division- Housing and Civil Enforcement Section XXXX XXXX XXXX, XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation