Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Consumer Complaint against XXXX XXXX, Manager of Union Bank, XXXX XXXX XXXX XXXX XXXX, California and my Private Banker, XXXX XXXX. 
XXXX XXXX purposely bounced my {$230000.00} check despite assurances that he will not bounce it due to the fact that I followed his instructions to be at the bank by XXXX XXXX to transfer funds from my Union bank accounts. 
While at the bank, I personally called him to let him know that I was at the bank and the funds are currently being transferred and made good. He acknowledged it. After depositing and taking care of the situation, I called XXXX XXXX to report the incident and he said as long as all is well, I should just call him directly. I informed him that everytime I call him, he does not returns the calls or he will call after a week or so when " the horse is dead ''. Anyway, all was well, at least, for that time only. I talked with the XXXX Manger of that bank as well, XXXX XXXX, who sat down with me and checked him computer and also assured me that the funds were in my account and the check is good. 
The next day, sure enough, the check they all assured me was good, BOUNCED. XXXX negligently bounced my check. It cancelled the deal that I was doing at the time, causing me serious damage. 
I called XXXX and informed him of the situation. He refused to help. I reminded him that he assured me the day before of his assistance in case of a problem. He again said he did not want to get involved. I insisted that he was involved. Nevertheless, my efforts were fruitless and he proceeded to deny involvement. I told him I was going to report both him and XXXX to their respective Directors. At any rate, I had no choice but to simply asked him to call XXXX to ask him to call me to straighten out the problem. To this day, XXXX XXXX, Monday, XXXX has not bothered to call me. 
I called the Private Bank instead. I reported the incident to XXXX XXXX who was initially very helpful, offered to replace the BOUNCED check with a Union Bank cashier 's check. I asked for an apology letter from XXXX XXXX. I was blatantly refused. They claim it was not a bank error when it fact it IS a bank error, through the negligence, indifference & incompetence of XXXX XXXX XXXX advised me that she will report this to my Private Banker, XXXX XXXX , who called me and instead of solving the problem, made it extremely WORST. He not only covered up for XXXX XXXX, he outright verbally rudely told me that it was time for me to get out of Union Bank and go to another bank. 
He followed his verbal insult with a crude, unprofessional letter dated XXXX XXXX, 2016, through XXXX XXXX XXXX XXXX mail from Union Bank XXXX XXXX XXXX, Ca XXXX. 
He specifically told me in the letter that he closed my XXXX XXXX XXXX XXXX and checking accounts on XXXX XXXX, 2016. He emphasized that I can no longer make ( deposits nor withdrawals ) debits and credits and whatever I did will be marked as " account closed ''. He did all this without my permission, express or implied and Union Bank is holding my funds hostage. I was trying to reach XXXX XXXX who promised to issue a Union Bank Cashier 's check and an apology letter but after speaking with XXXX XXXX, refused to speak with me when I repeatedly called, nor return my calls or act as a Private Banker customer service representative for my best interest. Through his acts of omission and commission, he is liable for all that I lost in respect to this check that XXXX bounced and his inability to act on my best interest as my Private Banker. He is liable and whoever supports his closure of my accounts and refusal to abide by my rights is also liable as well. XXXX XXXX has caused irreversible damage to me and the last 4 years, my funds have been left with severe loss..

Company response to consumer: Closed with explanation