Can I sue a bank for not depositing my check due to racial discrimination?
So I had a real US Treasury Department tax check from 2023 that I was trying to cash at the BMO bank and they wouldn't deposit it at the time due to racially discrimination against me and didn’t believe the check was real. Is there a possibility that I can seek litigation beyond that matter or is too late? I didn’t know what to do at the time so I endorsed into roommate’s account and he stole it from me.
10
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Solved
I'm truly sorry to hear what you went through. Based on what you've described, there are several serious issues that may intersect, and while some time has passed, all is not necessarily lost—though timing will matter greatly, particularly regarding any statutes of limitations.
To begin with the racial discrimination claim against the bank:
If you were denied the ability to deposit or cash a legitimate U.S. Treasury check based on your race, and the bank treated you differently from other customers as a result, this could potentially constitute a violation of federal civil rights laws, such as Title VI of the Civil Rights Act of 1964 or the Equal Credit Opportunity Act. The Department of the Treasury’s Office of the Inspector General has, in some cases, taken interest in these matters when they intersect with financial institutions’ mishandling of federal disbursements. Additionally, the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC) both oversee banking practices and could be forums for formal complaints, even if litigation is not viable.
Now, regarding the timeframe—generally, civil rights claims under federal law often come with a statute of limitations of two years from the date of the incident. Since the event occurred in 2023, depending on the exact date, you might still be within that window or just beyond it. However, it’s worth noting that in some instances, if you only recently became aware of your rights or were actively obstructed from taking action (such as being misled or intimidated), there may be arguments for equitable tolling—meaning the clock could be paused for a period of time due to those circumstances.
As for the issue with your roommate—if you endorsed the check and he deposited it without your knowledge or permission, and then kept the funds, that could potentially be classified as theft or conversion. The key issue there will be the timeline again, but also the level of proof, such as any witnesses who saw you endorse the check, any text messages, conversations, or bank statements that might corroborate your side of the story. If this happened in 2023, and you did not give him permission to take the money, it might still fall within the statute of limitations for civil action or possibly even criminal complaint, depending on your jurisdiction.
Now, turning to your housing situation—the mention of harassment, an unlawful detainer (likely an eviction), and improper conduct by property management and law enforcement figures raises additional potential claims. If you were subject to an illegal or retaliatory eviction, or if constables and property management acted outside of lawful procedures to intimidate or remove you, and particularly if this was also racially motivated or tied to your assertion of tenant rights, you may have grounds for a civil rights or housing discrimination case. Fair housing laws at both the federal and state level offer some strong protections, especially if race or retaliation were involved.
In terms of what you can do now, even if you're unsure whether the statute of limitations has run out, it’s often wise to document everything as thoroughly as you can: write down dates, names, what happened, who witnessed it, and any communication or documents you still have. If you haven’t yet filed any formal complaints—especially against the bank or the property management—there may still be value in doing so. Even if direct litigation proves out of reach due to timing, regulatory bodies can sometimes investigate and take action independently, or at least create a record that may support other remedies.
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So I had a real US Treasury Department tax check from 2023 that I was trying to cash at the BMO bank and they wouldn't deposit it at the time due to racially discrimination against me and didn’t believe the check was real.
Is there a possibility that I can seek litigation beyond that matter or is too late? I didn’t know what to do at the time so I endorsed into roommate’s account and he stole it from me.
Lexi, Chatbot
I'm sorry to hear about your experience; that sounds very frustrating. Have you already reported the theft of the check to the authorities or your bank?
No.
Lexi, Chatbot
Did you have any witnesses present when you attempted to cash the check at the bank?
Not present with me at the time but there were witnesses there, yes.
Lexi, Chatbot
Is there anything else the lawyer should know before I connect you? Rest assured they'll be able to help with your discrimination claim.
Yes. Racial discrimination by bank and fake unlawful detainer along with harassment to my home by property management non-trustees, constables, attorney.
Alex, Esq.
Hi there, my name is Alex and I am happy to help you today. Give me some time to review your question in more detail and I will reply with the best possible answer or I will ask follow up questions.
Alex, Esq.
I'm truly sorry to hear what you went through. Based on what you've described, there are several serious issues that may intersect, and while some time has passed, all is not necessarily lost—though timing will matter greatly, particularly regarding any statutes of limitations.
To begin with the racial discrimination claim against the bank:
If you were denied the ability to deposit or cash a legitimate U.S. Treasury check based on your race, and the bank treated you differently from other customers as a result, this could potentially constitute a violation of federal civil rights laws, such as Title VI of the Civil Rights Act of 1964 or the Equal Credit Opportunity Act. The Department of the Treasury’s Office of the Inspector General has, in some cases, taken interest in these matters when they intersect with financial institutions’ mishandling of federal disbursements. Additionally, the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC) both oversee banking practices and could be forums for formal complaints, even if litigation is not viable.
Now, regarding the timeframe—generally, civil rights claims under federal law often come with a statute of limitations of two years from the date of the incident. Since the event occurred in 2023, depending on the exact date, you might still be within that window or just beyond it. However, it’s worth noting that in some instances, if you only recently became aware of your rights or were actively obstructed from taking action (such as being misled or intimidated), there may be arguments for equitable tolling—meaning the clock could be paused for a period of time due to those circumstances.
As for the issue with your roommate—if you endorsed the check and he deposited it without your knowledge or permission, and then kept the funds, that could potentially be classified as theft or conversion. The key issue there will be the timeline again, but also the level of proof, such as any witnesses who saw you endorse the check, any text messages, conversations, or bank statements that might corroborate your side of the story. If this happened in 2023, and you did not give him permission to take the money, it might still fall within the statute of limitations for civil action or possibly even criminal complaint, depending on your jurisdiction.
Now, turning to your housing situation—the mention of harassment, an unlawful detainer (likely an eviction), and improper conduct by property management and law enforcement figures raises additional potential claims. If you were subject to an illegal or retaliatory eviction, or if constables and property management acted outside of lawful procedures to intimidate or remove you, and particularly if this was also racially motivated or tied to your assertion of tenant rights, you may have grounds for a civil rights or housing discrimination case. Fair housing laws at both the federal and state level offer some strong protections, especially if race or retaliation were involved.
In terms of what you can do now, even if you're unsure whether the statute of limitations has run out, it’s often wise to document everything as thoroughly as you can: write down dates, names, what happened, who witnessed it, and any communication or documents you still have. If you haven’t yet filed any formal complaints—especially against the bank or the property management—there may still be value in doing so. Even if direct litigation proves out of reach due to timing, regulatory bodies can sometimes investigate and take action independently, or at least create a record that may support other remedies.
Alex, Esq.
Please don't hesitate to reach out if you need further clarification on this question today. Hope you have a wonderful day!
Alex, Esq.
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