Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed for bankruptcy on XX/XX/year> and my attorney notified the bank, this Bank, of my recent bankruptcy filing at the Federal Bankruptcy Court at the XXXX XXXX XXXX XXXX When I went in to try to open the bank account up at the local branch in XXXX XXXX California, my attempt failed and the reason was for previous debts owed to the bank as the computer stated. Despite the fact that I filed for a US bankruptcy protection it seemed as if the bank did not properly update their system to reflect my recent bankruptcy filing thus eliminating any debt owed to the bank up until XX/XX/year>. I then proceeded to call the bankruptcy department at the bank to find out why I was still showing those debts in their system owed to the bank even after I have filed for bankruptcy. I was told by the bank that even though I am not legally liable for these past debts to the bank, the bank still will reflect any charged off or owed balances with or without protection of the bankruptcy court. So I said well that does not sound correct to me because filing bankruptcy is to allow us consumers to have a second chance to be able to start over with the new account and a fresh start. I then told the bankruptcy representative that at minimum you should input into the system to reflect I have no owed debt legally to the bank or XXXX balances and that any or all of my accounts that were encompassed by my recent bankruptcy filing should state that it is indeed under bankruptcy status. He said that it does show that it's under bankruptcy status but when I went to open the account it shows five accounts with owed balances and nothing that states that it was under any kind of bankruptcy protection on the consumer end at the computer that the branch has to make available for us to see and to run our application when we step in there. If it was properly inputted into the system so that the bank can see this then we wouldn't run into this problem at all. However, it does not reflect my bankruptcy status, so I get declined each and every time I try to open a new account. The bank rep also stated to me that even though I get declined by the system, if the branch wants to override the system, the branch manager may do so at his discretion. Well, the branch manager at the XXXX XXXX XXXX agreed to allow me to open up my new account however, when he went to try and override the system, it has a drop-down box which only had one option for him to select, and that option was, that my debts o the bank have been paid off, that was the only way that the system was going to allow the branch manager to override and allow me to open my account. With that being said, the branch manager was not going to state that I paid off any of these debts because I did not. And I should not because I can not. Because of my bankruptcy status. That would be unfair to the other people that I owe money to that's in bankruptcy status and I can't be selective in who I pay off and who I don't. that's up to the court, the bankruptcy court, to decide and not for me or the bank to make that decision for the US bankruptcy federal government trustee. So for the bank to only allow that option for the branch manager to select does us no good whatsoever because that would mean that the branch manager would have to lie if he was to click on that option and select that and he was not going to do it nor would I allow him to do that because that's not the case at all. The System needs to be re-done with additional options for a branch manager to make the override f the bank indeed allows the manager to do so. and from what I was told by several different Representatives yes that is available for the branch manager to do at their discretion. However that would be a lie for him to have to only select that one option that I paid off my debt while in bankruptcy status which everybody knows that that is not right that's actually illegal and I can not just do that because the bank wants their money back. That's being selfish by the bank and that's them wanting me to single them out on top of that. 
currently under the automatic stay and bankruptcy protection of the Court. my complaint is based on this and this alone. Fix your system properly to reflect my bankruptcy status so I don't run into a denial showing that I owe the bank money when the bank knows darn well that I can not pay the debt after I filed for bankruptcy because that would be in violation of sub bankruptcy laws, regulations and code, and I am not prepared to break the law just to pay the bank when they should know better than to even request this from us in the first place.

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