<prompt> Human: I purchased a home in 2009 with my fiancé at the time. She moved out shortly after 3 weeks. In 2011 I finally got her to sign over her half of the deed to me. I recently sold the house in July. I contacted the mortgage company about the escrow balance and was told it could take up to 8 weeks to receive the payment. At 8 weeks and 1 day I contacted the mortgage bank and they told me the check was sent 3 weeks prior. After requesting an investigation and waiting another week I received the canceled check with only my exs signature as an endorsement. I contacted both banks deposit issuer and Im getting no where. Both banks are pointing the finger at each other for allowing one signature on a two payee titled check. Does anyone know what I can do or with whom I could file a complaint? Neither bank will allow me to file a fraudulent endorsement claim through them. Are escrow accounts bank accounts? I reached out to my ex and she feels the money is hers and Im certain shes spent the 2,000 already. Side note: the check was made to both of us. My name listed directly above hers with no and or anything. Not sure if this is the right sub for this question but hoping someone can help. Thanks! Update: Bank manager was awesome and completely on my side with the check. This specific bank has a policy against this exact situation and requires both signatures to endorse the check. However corporate would have to make the claim against the check and when she called they denied it. They stated it wasnt illegal for them to cash the check with only one signature and even though it is that specific banks policy they are unable to make a claim against it. She took my affidavit and copy of the check and will contact the security department Monday morning to see if theres anything else they can do. The teller who submitted the deposit my lose their job but such is life for not doing you F job! Thanks for the help and Ill post again if I get anywhere Monday. I am stating my CFPB claim as we speak. I also am filling out an online police report of theft in case I need one at a future date. Assistant: The bank that cashed or deposited the check with only the one signature screwed up. Do you have a photocopy of the check, front and back, from the bank? Get one. Then file an official complaint through the banks branch manager and auditor to get it on record. Then head over to the CFPB and get an investigation started there.That money is long gone, but the bank may end up having to reimburse you. Good luck.Human: Yes I have a copy of the check. Thanks! What exactly is CFPB?  <response>: The CFPB is the Consumer Financial Protection Bureau. Here is their web site. It is a government agency created a few years ago under the Dodd-Frank bill. 