US Bank Complaint - US Bank tellers make up their own rules as they go along
New in town, I went to a branch of US Bank to deposit my fiance's check into his account. He worked out of state and the checks come in the mail. So obviously he couldn't sign it. I had done this for him many times since he had been away. His paycheck is direct deposit, but the checks he gets for mileage, per diem, etc, the company mailed those. This was one of those checks.
The teller first started to take care of the deposit, then suddenly stopped, held it up, and started waving it around! She was telling me about how due to the patriot act she can't deposit it without a signature. I had never heard of this. I asked when this started, she said "Today, just a few minutes ago!" HA! I replied is asking if I was the first one. She said yes. It got worse from there. She was loud and they man behind me was peering over my shoulder to see what was happening as she expressed he 'concern' over the fact that this check could be fake. The whole bank was looking on. I was bright red in the face and my tongue was on the floor from my biting it so hard.
The amount in the account opened many years earlier stood at a balance 10 times more than the check I wished to deposit. He also had a savings account, and a business account, and a credit card. All in good standing.
Anyway...She DID deposit it. So uhhhhh....why would she do that if it was so called illegal as she put it.
I wrote to US Bank asking if there were any "rules, laws, regulations, standards or practices which prohibit a check being depositied without an endorsement?" They told me that although there are none, "US Bank has the right to refuse a deposit for any or no reason." For "NO REASON" at all they can refuse our money to go into the bank? WOW! That is scary. They said he should put a note in the account that I can deposit his checks. Why, if there is no law against it!?
What makes this scene worse is that a couple months earlier, another US Bank teller in the town we lived in before the move had questioned cashing a check from my finace because my name and his signatures were in different handwriting.
Well, yeh, I wrote my name it. If I was a CROOK, do you really think I would stand in front of the teller and write my name on a blank check?! She called my fiance on the phone, and then was having his signature card faxed over. So if you call him and he says no problem, why would you also need to fax his signature over? Not to mention that I went in at least once a week to deposit checks for him while he was out of town. (I guess this teller hadn't heard of the "Patriot Law' that prohibits THAT!) I was at the far end merchant counter and she was at the other end, I could hear he and so could everyone else, talking about her suspicions etc. She talked to the account holder, what else did she want!? The whole place watched me as I walked out. She did not cash the check.
I am just a regular person, I dress neat, I'm clean, polite. I was in customer service myself for 30 years. I smile at people. I guess I either have a sign on my forhead that says 'abuse me' or I have a knack for finding these little people with big power.
I later called the manager and we had a nice talk. He told me that whenever I had business at the bank, come right to his desk. So I did. We had some nice talks where I told him that she might need some training to learn tact and diplomacy. And not to talk so loud. He agreed.
Anyway, as for the other branch in our new town, I waited patiently for the day when my fiance was working back in town and we went to US Bank together to close the accounts. I told the woman why, and about the experience. Guess what! She was there that day and overheard the whole thing. She had a talk with the teller right after I had gone because the teller was wrong to tell me all that. She SHOULD HAVE walked right up while I was at the counter.
She tried to talk us out of closing the accounts, but our mind was made up.
So we opened an account at a local credit union. Anyway...I stay away from the bank.