Consumer complaint received 2021-04-09
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on Sunday XX/XX/2021 deposited economic impact stimulus payment check into my SunTrust checking account. 
on tuesday stimulus check placed on 10 day hold. 
on wednesday XX/XX/2021 called Suntrust /truist bank and demanded that they either release my funds or give my stimulus check back. because I can cash that type of check anywhere at any time and receive my money at the same time. 
explained this is an inconvenience that I am not willing or able to deal with at this time. 

SunTrust/ truist representative XXXX XXXX told me that they received confidential information that my check may not clear. 
Suntrust/ Truist Supervisor XXXX XXXX stated they received confidential information that my check may not clear Suntrust/Truist XXXX XXXX XXXX stated that they were given confidential information that my check may not clear. 
I was told that the issuing bank gave this info then when asked how FRB snd IRS gave this info to them, She later stated that no one gave them any confidential information and that it was an internal decision made by XXXX bank. 
This same lie was told to me on my last stimulus deposit as well and will be submitted in another complaint. 

as stated to 5 Suntrust /Truist reps either cash my check today or give me my check back and I will have it cashed today. 
that offer was refused. At this time I demand XXXX per each day that my check remains on hold and incurs overdraft fees as a result. I also demand XXXX per each overdraft item placed on my checking account that I struggle to keep in good standing with a financial institution I would never dream of harming. I respected SunTrust, and don't believe Truist holds the same standards nor are they worthy of respect because they don't respect their customers. 
You have insulted me, you have discriminated against me, you have biased me, you have treated me ignorant and stupid while lying to my face and then retracting the lie when I asked for an explanation and contact info to the rep at the federal reserve bank who gave the information stated. My request was denied. And I was hung up on. showing me that i am not a tru ist Suntrust customer, and my 10 years of honest banking with you means absolutely nothing. honestly i dont even want you people to cash my check. i want it returned to me to cash with better individuals at another institution who respect their customers and do not tell them lies which they will rely on to make banking decisions. then hang up the phone on them when they catch the lie. 
aside from this the entire 1 hour, 3 rep conversation was recorded because they refused to send the transcript or copy of the last recording from my previous deposit to my email address on file as I requested. At that time i was told the exact same lie. ( to be addressed in separate complaint ) I also believe this is a ploy to scam overdraft fees, because if not for me following bank policy and relying on suntrust/Truist representatives lies. My son would have deposited {$100.00} instead of the {$30.00} deposited that same day into this account to cover expenses, which incurred these fees. Because 6 Suntrust/Truist employees lied to me. Furthermore, I am insulted and do not wish to cash my check with them. So To avoid the above, just give my check back since you are still holding it. 

If you deny what I have stated you can listen to this recording. located@. . 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief