Consumer complaint received 2023-05-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Please review the attachments and let me know if you feel there is a miscarriage of justice ... .or in other words some illegal practices being levied against me by Truist Bank . 

Chronological list of events leading to issue that I need your advice : - We sued and settled with Truist and XXXX XXXX XXXXTime passes and I am utilizing my accounts with no issues - My daughter is issued a tax refund in the form of a Treasury Check in the amount of around {$2500.00} dollars- I called the branch office of Truist Bank ( formerly BB & T ), explain my desires to a person I know who is a Teller Supervisor : to deposit in to my account a partial amount of money from the check and cash a portion of it, for my daughter to have some in cash. My daughter has no account elsewhere. Also she only has a copy of the driver 's licenseThis person tells me no problem, she will negotiate the item for me - However, I had many appointments that day and the time is approaching XXXX XXXX, which is closing time at the bank. Therefore I I can only make it to the local Truist office to negotiate the item on this day, and my daughter needs to pay some bills. 
- My daughter and I enter the drive-thru of the local office and begin to be helped by a person, who it appears is the branch manager. 
-He reviews the transaction request and he denies the transaction. 
- He proceeds to mention a policy indicating that he needs the original license. 
- I tell him to call the other office where I had prepositioned the approval of th er transaction- He will not call the office. 
-The item can not be deposited. 

NEXT DAY : I visit my old office where the item was approved by the teller supervisor the day before, and negotiate the item. 

-I FILE A CHAIRMAN 'S COMPLAINT AGAINST THE BRANCH MANAGER OF THE OFFICE THAT WOULD NOT HELP ME.

- CITED IN THE COMPLAINT THE FOLLOWING ISSUES : - This Managerdid not embrace the values, behaviors and attitudes that are supposedly being practiced and experienced when you visit a Truist office to be helped with your financial needs and objectives. 
- The Manager did not attempt to call the office where arrangements were made that would have enabled me to deposit the item.

- The Manager had a very condescending tone in the manner in which he spoke to me.

- I explained to him that the other office would okay this item, would take the responsibility for any possible loss due to the negotiation of the item ( which there would be none ), that I was a prior employee of the bank, that I had two direct deposits going in to the account which would cover the item if returned : my Social Security check and my PENSION CHECK FOR BB & T!!! 
- He would not do it. 

XX/XX/2023 : -I visit the office where I had trouble with the branch manager and withdraw funds from my checking account that have been deposited electronically.

-I went up to the Manager and asked him very politely and professionally why he would not negotiate the Treasury Check for my daughter. He told me because of the papaer copy of her license. I asked why any of the other factors mentioned above were not taken into consideration. He told me they did not matter. I asked him if his decision was in line with the vision, mission, and values, being advertised in the media. He said they did not matter. 
XXXX asked him if his best customer came into the bank with the same transaction, would he negotiate it? He said NO. 

A COUPLE OF DAYS LATER : - I received the letter from Truist dated XXXX, indicating to me that my total account relationship is being closed on XX/XX/2023 : BECAUSE OF INFORMATION OBTAINED DURING OUR REVIEW OF YOUR ACCOUNTS. What Review? Why were my accounts Reviewed? 
- This was the only letter I received. 

TODAY : I try to make a purchase at a convenience store using my debit cards from both of my checking accounts, where there is money on deposit, enough to cover the transaction. 
-I WAS DECLINED -After several attempts, I called Truist Customer service and after they place me on hold for several minutes, I requested to be transferred to Fraud Management . They place me on hold and return indicating that I must go to the local branch and discuss the hold of my funds with the branch personnel.

- I went to the office where the deposit was denied, and the branch manager had provided me with terrible service, compelling me to place a " Chairman 's Complaint ''. 
- I proceed to inquire from this same Branch Manager, as to why this is happening to my accounts.

- The Branch Manager tells me to sit down and he will help me.

- After 5 minutes he provies me with Letter Number 1, as well as Letter Number 2 WHICH I NEVER RECEIVED OR SAW BEFORE NOW ... .TODAY XXXXXXXX 
-PLEASE REVIEW THE LETTER : I CANT GO IN TO ANY BRANCHES TO GET MONEY. 
I CANT GET MONEY FROM ANY ATM MY FUNDS ARE FROZEN UNTIL THEY ARE BEING SENT TO ME AFTER MY ACCOUNTS ARE CLOSED XXXXXXXX  HOW CAN I PAY MY BILLS? 
HOW CAN I EAT? 
HOW CAN I GET GAS? 
HOW CAN I FEED MY GRANDSON? 
HOW CAN I PAY MY ELECTRIC BULL, MY WATER BILL, MY MORTGAGE WITH TRUIST? 
HOW CAN THEY DO THIS??????? 

NO WARNING ... .. AND LETTER NUMBER 2 WAS DATED XXXX, BUT I NEVER RECEIVED IT AND THIS " FREEZE OF FUNDS '' JUST BEGAN TODAY .... 

NO NOTIFICATION OF FUNDS BEING FROZEN, AND JUST BEGAN TODAY ON XXXX, BUT LETTER IS DATED XXXX. 

CLOSING LETTER DOES NOT MENTION ANYTHING ABOUT FUNDS BEING FROZEN.

FUNDS FROZEN 12 DAYS AFTER LETTER NUMBER TWO ISSUED ... .WHY? 

WHAT DID I SAY THAT WAS HARSH ENOUGH, WHAT BEHAVIOR DID I EXHIBIT THAT WAS BAD ENOUGH, TO WARRANT ACCOUNT CLOSING.. WHY WAS I NOT ASKED BY ANYONE IN UPPER MANAGEMENT MYH SIDE OF STORY? HOW DO THEY EVEN KNOW WHAT I SAID? SINCE WHEN DOES FILING A CHAIRMAN 'S COMPLAINT GIVE PERMISSION TO THE ACCUSED EMPLOYEE TO CLOSE MY ACCOUNTS? 
HOW CAN THIS MANAGER CLOSE MY ACCOUNT WITHOUT ANY REVIEW OF THE SUPPOSED INCIDENT, INCLUDING BUT NOT LIMITED TO ME BEING ASKED WHAT HAPPENED, THE CAMERAS BEING REVIEWED FOR ACCURACY OF THE EVENT, AND A NOTIFICATION THAT MY FUNDS WERE BEING FROZEN PRIOR TO THE ACCOUNT CLOSING. LETTER MENTIONS NOT GOING TO ANY OFFICE ... I VISITED THE OFFICES SEVERAL TIMES AFTER XXXX, AND GOT MONEY. LETTER SAYS DONT VISIT OFFICES OF TRUIST ... NOT YOU WILL NOT BE ABLE TO GET MONEY ANYWHERE, AND BEFORE YOUR ACOUNTS ARE CLOSED .... 
THIS IS A PERSONAL ILLEGAL VENDETTA BY THE BRANCH MANAGER AND IT IS BEING ENDORSED BY HIS MANAGER.

WHAT IS GOING ON? THIS CANT BE LEGAL .....

THIS IS RETALIATION BY THE BRANCH MANAGER, AND A PERSONAL VENDETTA..

AND THE BRANCH MANAGER 'S DIRECT MANAGER IS ... ... .XXXX XXXX XXXX!!!!!! 
THE PERSON WE SUED!!!!!! 
IS THIS LEGAL? 

Please let me know Respectfully XXXX XXXX XXXX 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 explanation