Ikenna, a 28-year old construction worker, went to deposit a $8,463.21 Chase cashier’s check at his local Chase branch, only for the teller to decide that neither he nor his check looked right and he got tossed in jail for forgery … The next day, a Friday, the bank realized its mistake and left a message with the detective. But it was her day off, so he spent the entire weekend in jail.
By the time he got out, he had been fired from his job for not showing up to work. His car had been towed as well. It ended up getting sold off at auction because he couldn’t afford to get it out of the pound. He had been relying on that cashier’s check for his money but it was taken as evidence and by the time he got it back it was auctioned off.
All this while the cashier’s check had been issued by the very bank he was trying to cash it at. …
[M]iddle-class people enjoy all sorts of protections against misfortune. For poor people, a single thing going wrong can lead to a life-altering spiral — they lack the social and financial resources to overcome one problem, so a flat tire become a late day at work which becomes a lost job, an overcharge fee busts a checking account, which in turn becomes a ruined credit rating. (source, source, source)
Note that Ikenna is black, which was probably not completely irrelevant when his trustworthiness was questioned.