Truist Bank Corporate

Complaint ID: 6337686

Product: Checking or savings account

Sub-Product: Checking account

Issue: Closing an account

Subissue: Company closed your account

Company: TRUIST FINANCIAL CORPORATION

Complaint: In XXXX of 2022 I opened an online bank account with Truist in hopes of building a relationship with the company. I have a small business and was hoping to utilize some of the products the company offers to help people like me. On XX/XX/2022 I received a notice of account closure. I called Truist customer service to inquire on the reasoning behind the closure and the representative informed me that it was for identity fraud. The rep then transferred me to the fraud department, who confirmed this reasoning, and proceeded to informed me that Truist is requiring me to enter a physical bank branch near me, with XXXX forms of identification, to reopen my account. The rep also informed me that there was no way I would be able to upload the required documents. When I opened the account initially in XXXX, I uploaded the required documents which in-turn led to Truist to accepting me as a member. Even going as far as letting me deposit money and sending me a debit card. If Truist suspects my identity as fraudulent, why didnt this bank flag me in the early application stages? Does Truist require all members to visit a local branch to verify identity? I live in XXXX, Ohio and the nearest branch is in XXXX, Ohio, XXXX miles away! What if I cant make it to the nearest branch? Whats the solution then? Close my account? I refuse to believe that with all the modern technology today, Truist Bank cant figure out a way to verify a new members identity without requiring them to come into a physical branch. I believe I am being wrongfully targeted and am being totally neglected by this companys policies and tactics.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6335789

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Company: TRUIST FINANCIAL CORPORATION

Complaint: XX/XX/22 : attempted cash advance at a TRUIST ATM on a TRUIST charge account. XXXX x declined for {$200.00}. NO MONEY RECIEVED. XX/XX/22 : declines still appear on my statement against my balance. Called TRUIST to resolve for the third time. Asked to escalate to a XXXX, rep on the phone refused to transfer to a XXXX, told me it was a " process '' and the charges would eventually come off. These fees go against my daily balance costingvme additional money.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6333120

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Company: TRUIST FINANCIAL CORPORATION

Complaint: On around XX/XX/202XXXX XXXX XXXXXXXX {$13000.00} loan was put into my Truist checking account I was informed with a text like a gentleman by the name of XXXX XXXX Text my loan was approved That I requested I am really fired back at a text saying I did not authorize this get the money out of my account soon after that I received a text message from Truist saying that there was money deposited into my account within 12 hours and 2 withdraws the money was taken out of my account.. via online banking which I never had Truist let these people set up an online banking account attached to mine with an email address and phone number that werent my own I immediately got notice that my account was - {$13000.00} plus and then I was accused of being part of a scam ..to say I was not happy would be an understatement, as a matter fact I requested to shut down the account immediately and start a fraud investigation I gave the people in the fraud division at Truiist all the information on the individuals or people in Texas and people in California I had their numbers and gave them all the information I had The individual in Texas had put in some kind of a check that was bogus and that was part of the XXXX some XXXX XXXX months later I was founded not be part of the scam I Given an affidavit from Truist Bank to sign in the appropriate areas and you have notarized and witnessed stating that I was not part of the scam and I was supposed to recover my funds were going on seven months now And to add insult to injury employer still put a direct deposit into the account of Of courseI received a live paper check Its all transpired from a Saturday XXXX until the Monday that I was informing our payroll department to 36 hours if that Monday of that pay week i informed Our payroll person that the account is compromised and I would need a check at the end of the week instead of in my direct deposit Because my account was compromised it was told yes OK thats fine XXXX But direct deposit went into the account anyway which Truist kept knocking the {$1400.00} off of my - {$13000.00} bill plus balance and there was {$430.00} In my account when its all transpired on that Saturday these people knew exactly when to do this XXXX and there are no branches open and the fact that Truist allowed them to open an online banking account which I would never do and youre a different email and a different phone numbers in my own is Criminal and just wrong And to add insult to injury Since Truist kept the direct deposit my employer made me pay back the {$1400.00} out of my pay over the next couple pay checks taking {$300.00} out each pay it was paid off and I OK that I wanted to play by the rules because there wasnt much I could do about it anyway.. And I adamantly begged the people at Truist to give the money back to my employer they absolutely refused.. And were belligerent about the whole matter because I was still guilty instead until I was proven innocent by thier fraud investigation The person I work with at the local branch his name is XXXX will just call him that which is his name its been almost 4 months since I handed in that paper that he faxed ..the affidavit. Which I had to get notarized and witnessed and signed as proof of my innocence and that I wasnt part of a scam He said I should have my money back after we open up a new account in about 5 to 7 business days ..Im losing my patience.. because XXXX kept trying to call the fraud department with already signed off on the matter when he was supposed to call the charge-off department so that they could sign off on it too.. how do I know this because I got through to both entities within the last couple weeks I just want my {$430.00} back which was in my account when this originally all transpired on around XX/XX/2022 and I want the money back for the direct deposit that I paid back to my employer the truist kept so you do the math {$1400.00} plus my original {$430.00} comes to {$1800.00} I want to put back in my account, once I go to a branch and open a new account

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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