Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Complaint regarding refusal to cash a check issued by United Community Bank Dear Sir/Madam , I hope this letter finds you well. I am writing to file a complaint regarding an issue I am facing with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, and I kindly request your assistance in resolving this matter. 

On or around XX/XX/2023, I received a notification from United Community Bank informing me that my business account had been closed due to it being overdrawn. During this time my business continued to make small deposits to bring the account current. We received a large payment which provided the bank with all overdraft fees and made the account positive again. At that time when the account was no longer overdrawn, United Community Bank XXXX XXXX made the decision to close the account and issued a check in the amount of {$2300.00} as the final balance of my account made payable only to the business. I am currently unable to cash this check because my divorce resulted in a drop in credit score which is impeding my ability to open another business account at any bank. 

The check in question is made payable to my business, XXXX XXXX XXXX XXXX XXXX. I am the XXXX  of the business and have documentation to provide the bank. Unfortunately, I no longer possess a business account with United Community Bank or any other bank. I do still have a personal account with United Community Bank, however, they refuse to cash the check. Consequently, I am facing difficulties in obtaining the funds that are rightfully mine. 

I have made several attempts to explain my situation to the bank representatives, but they have been uncooperative and have refused to cash the check. I believe this refusal is unjustified, as the funds were issued to me as the account holder, and I should be able to access them without hindrance. 

Given the circumstances, I kindly request the intervention and support of the Consumer Financial Protection Bureau in ensuring that my rights as a consumer are upheld. Specifically, I would appreciate your assistance in mediating a resolution with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX such as requesting them to reissue the check in a format that can be cashed by an individual rather than a business entity. 

I have attached copies of relevant documents, including the check in question for your reference. If there are any additional materials or information required to facilitate the resolution process, please let me know, and I will provide them promptly. 

I sincerely hope that the Consumer Financial Protection Bureau can help me rectify this situation and ensure that I receive the funds owed to me. I eagerly await your response and appreciate your attention to this matter. 

Thank you for your time and consideration. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation