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Report: #1534531

Complaint Review: U.S. BANK - Chicago Illinois

  • Submitted:
  • Updated:
  • Reported By: Stafford — Chicago United States
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  • U.S. BANK 25 E. Washington Street Chicago, Illinois United States

U.S. BANK Banking discrimination/ harassment upon cashing lottery winnings CHECK Chicago Illinois

*General Comment: Information for you

*General Comment: They are not required to cash your check at all

*Consumer Comment: What A Load Of First Class BS!

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We had a very bad experience this morning with the U.S. Bank 25 E. Washington Street Chicago Illinois 60602. I have family members who periodically play the Illinois Lottery but never seem to win. However, my son won $3,330 the other day and wanted me to go down to 69 W. Washington Chicago Ilinois the George Dunne Cook County Administration building with him. The people there were very nice and helped us navigate the process cordially. Because as I said we never win anything so we did not know. After completing the paperwork the security guard instructed us to go to  the U.S Bank. This is where the Illinos lottery does their banking. Upon entering the bank we were greeted by Branch Manager/Assistant Vice President Melissa Delia. My son submitted the check to her and she ask my son if he was a customer? (No). She then stated that it would be a $7 fee to cash the check. Mind you the Illinois lottery has an account with this bank. Secondly she then stated that she would have to give my son a thousand dollars in $20 bills. I was appalled to say the least. There were a few other African Americans in this bank cashing their winnings and the counting machine was running off $20 bills. No banking employee asked any customer how he or she would like his or her money.  They simply piled up $5 $10 $20s and gave it to the customer....institutional racism. Lottery money is real money and we win just like we lose. You can not discriminate against customers who come into your bank because of how you feel about gambling, their race, sexual orientation, religion, etc. There's more...my son presented his identification to one of the employees who identiflies herself as Ayana Esquivel (relationship consultant.) As we were standing in line Ms. Esquivel was asking my son inappropiate questions. Where did you work at last? What are you now doing for a living? I told my son not to answer any questions and took my camera out to video this dialog and behavior. At this time the manager Melissa stepped up and stated that this was the policy to ask questions and if you do not answer the questions for the profile we will not be able to cash your check. I replied by saying Illinois lottery has an account with you. My son does not. He presented a valid Illinois identification card and now you are violating his constitutional rights. Melissa also told me that I could not video this public place or conversation. An infraction and infringement upon my constitutional rights. That being the 1st amendment freedom of speech, freedom of the press, and freedom to express. I also stated that I would like to see this policy in writing. Upon leaving Melissa printed out a form in which she describes as confirming what she had initially said. However, on the contrary...it pretty much confirms what I said. I will try to post the picture of the policy Melissa gave to me. And this policy pretty much states that the customer has to have proof of identification. But he or she does not have to be interrogated or interviewed as to their work ethics, etc. This is systemic and institutional racism once again. Sending my son to a poor dilapidated area, impoverished, low income, crime rate is high, etc. with a thousand dollars worth of $20 bills. This lady needs to be removed from this job. When you guys run into situations and people like this ...please take the time to write them up. I am tired now but I will call them out every time. Thank you for reading have a great day!!!

This report was posted on Ripoff Report on 10/11/2024 01:52 PM and is a permanent record located here: https://www.ripoffreport.com/report/bank/chicago-illinois-ing-cashing-1534531. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#3 General Comment

Information for you

AUTHOR: Walter - (United States)

POSTED: Friday, November 01, 2024

Many banks have stopped cashing checks for noncustomers. So the lottery account is with US bank you're son does not have an account with them. A $7 fee is pretty standard for check cashing. As far as the denominations given, you said several other customers were cashing lottery checks (not sure how you know this but whatever) so it's possible that earlier customers had taken the larger bills. US Bank didn't make your son take a large wad of $20's into a sketchy area. Your son chose to do this. Why didn't your son just deposit the check into his account and withdraw the amount he wanted?

Banks are required to gather certain information on transactions to combat fraud. It's only racism if certain races are asked these questions. I'm sure everyone presenting a lottery check was asked the same questions. Depositing the check into his account would have prevented these questions as his bank should already know him.

The bank is not a public place, it is a private business. Their policy determines if you can film there or not.

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#2 General Comment

They are not required to cash your check at all

AUTHOR: Flint - (United States)

POSTED: Monday, October 14, 2024

A bank isn't required to cash checks for non customers. And yes it is normal to ask questions for fraud control. And believe it or not, bank branches don't have a ton of cash available. For larger sums they would need to order cash and you would have to come in once that's received. Sounds like you need to spend less time playing the lottery and crying racism and more time improving your credit history so you could have your own bank account.

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#1 Consumer Comment

What A Load Of First Class BS!

AUTHOR: Irv - (United States)

POSTED: Saturday, October 12, 2024

 You aren't ENTITLED to dictate what bills you get for the check. If they have enough of the bills you want, then they will give them out. If not, you need to settle for smaller bills. BOO h*o! You are NOT a customer of the bank. The Lottery being a Customer has no bearing. Once again, just another case of somebody not getting their own way and immediately crying racism.

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