Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/year>, at about XXXXXXXX XXXX I walked into my attorney 's office located in US Bank building in XXXX XXXX, MN. There I picked up a check in the amount of {$110000.00} for a slip and fall accident. As I came down the elevator from the 26th floor my attorney 's office, I noticed a US Bank in the lobby. I then noticed on the check that it was a US Bank check and that my attorney was a customer of that bank. At XXXXXXXX XXXX I walked into US Bank and was asked how I can help you by the bank clerk? I stated that I wanted to deposit my check by opening a checking or savings account. I presented the check and was asked for identification which I provided. The clerk looked at the check, and my identification, looking me up and down. She then asked if I had an account with them. I said : No, and just asked to open an account and deposit the check and maybe drawn money from the check until it clears. The clerk said : I do not know what to do. '' She then went to get a supervisor. Upon returning the supervisor continued asking why, where, who and how I got this check. I explained over and over in ways simple- I even gave them my attorney 's business card. I asked them to call him and that I just picked this check up from his office less than five minutes ago. Over and over again the supervisor made excuses that did not make any sense whatsoever on why my attorney check they could not deposit. I even asked if my attorney had the money in his account? Why won't you call him if you think this is a fraudulent check? Is there something wrong with my ID? She then pretended to call someone whom I believe she called by name the district manager. While on the phone pretending to talk with someone a XXXX employee took the check out of her hand and ran it through the verification machine and said : " There is nothing wrong with this check, so what is the problem. Finally, I was told by the supervisor " I don't care what you say or do or if this check is real, I will not allow you to put this kind of money in my bank. '' At this point I knew my race played the only role in this whole transaction. During this whole process I continued to look back and forth at the security guard and how the clerk and supervisor was trying to upset me and cause a problem and possibly call the police. However, I remembered XXXX XXXX but most of all they had no idea that I live under the authority of XXXX XXXX and live by his 'Fruit of the XXXX and total love, along with self-control. So, I smiled thanked them and walked out. 
Later after seeking legal advice, my attorney called them or wrote, and they said that I wanted to cash a check which was a total fabrication and lie. It was XXXX Discrimination and later after research on my own I realized what I experienced was 'Banking while XXXX " This is the reason for my complaint..

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