Consumer complaint received 2023-10-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint Filed : XX/XX/XXXX Customer Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Dear Trusit Bank This letter is to notify you follow up on the issue on XX/XX/XXXX via customer service over the phone. An Issue that has occurred with my business debit card on XX/XX/XXXX at XXXX. I attempted to utilize my debit card at XXXX grocery store. The Bank customer service representative overlooked my account and attempted to assess the issue. 

Customer Service representative stated there is no issue with my account try using my debit card again at the grocery store. I attempted per customer service request several times. I was exhausted with no resolution that had occurred. Truist phone representative stated that there will be another card issued. It appears my card is malfunctioning as well as the system. The representative stated she does not see any issue with my account other than my debit card malfunctioning. 

I, XXXX XXXX walked into the branch office at XXXX on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX to escalate my concern. 
I voiced my concern to the branch teller to explain my debit card issue and would like to withdraw {$300.00} due to debit card and requested a temporary card. The bank teller stated there is an issue with my account, I stated I was not notified of any issue. The bank teller stated Truist Bank do not have to notify me of any suspension or issue with my account. Then became very annoyed and argumentative without stating the facts about what is the issue. 

The Branch Leader III noted she remembered me when she opened my business account. The Branch Leader requested to take over to assess the issue of my account. The branch Leader called customer service due to the notes in my account was not supporting the reason of the blocking. 

Per Branch Leader stated that she spoken to the customer service escalated department, that my account has a suspension due to investigation of fraud alert of a wire from closing funds of my property on XX/XX/XXXX transferred at XXXX into my business account amount {$27000.00}. 
I, XXXX XXXX wasnt notified, called, or emailed of this concern nor by letter. 
I only received a letter on XX/XX/XXXX notification Wire Transfer Operations from Truist funds was wired into my account on XX/XX/XXXX at XXXX I am dissatisfied with your service because the first customer service representative stated there is no issue with my account on XX/XX/XXXX. Second, Truist branch in XXXX told me, the bank does not have to notify me of my account with the changes of being blocked. 


I have already attempted to resolve this problem by calling Truist XXXX number on XX/XX/XXXX no actions taken. Also walking into the Branch office of XXXX, GA which was advised by showing my identification, still unresolved my account is blocked/suspended. 
The Branch in XXXX, GA stated there is nothing they can do nor assist me nor give me information to escalate this issue. 

I have enclosed copies of my records. Include copies of receipts of my closing and proof of sale with XXXX XXXX XXXX XXXX XXXX XXXXXXXX company. I have documents and a utility bill stating the property that was sold at XXXX XXXX XXXX XXXX, GA XXXX, and identification 2-3 forms relevant documents. 
Unfortunately, the problem remains unresolved. I am hereby urgently requesting Action ; I want immediate release of my account funds due to consumer rights violation or this will engage into a lawsuit against Truist bank for damages of loss of business invoice canceled and loss of funds and contracts canceled has interrupted my business. 
10 Rights Violated as a Consumer 1. Branch Bank Teller Stated the Bank does not Have to notify me of changes to my account. 
2. Rights to Redress -Customers having a right to an efficient complaints management system through which they can lodge complaints against the bank was not given when I requested, I want to file a complaint. I have a right to be kept abreast of the resolution process. ( Acknowledgement of feed-back, update, explanation and ultimately, basis of decision and consumer banking right. 
3. Funds Availability Act violated.

4. The Right to be informed and actions I can take to assist with account concerns has been violated 5. Bank to send proper notification of changes has been violated. 
6. According to banking regulations and consumer protection rights reasonable period clear funds within 5-7 business days.

7. Right to information per requested denied and was not given.

8. Consumer Bill of Rights Violated 9. Civil Rights Violation ( free of discrimination stating wire fraud in the past with other customers was stated to me. 
10. Disruption of XXXX XXXX XXXX XXXX XXXX invoice scheduled for payment has resulted in me canceling several business contracts due to my account being blocked. 

Please contact me within 2 business days to confirm that you will honor my request. 
I have prepared a complaint for submission listed for further investigation and notification of rights violated by Truist Bank : a. Civil Rights Violation b. Consumer Financial Protection Bureau Complaint Filed c. Complaint Filed with FDIC XXXX XXXX Georgia Attorney General Consumer Protection Division eXXXX XXXX XXXX XXXX f. Forward to my Attorney XXXX XXXX Attorney at Law ( representation ) I, XXXX XXXX have all reports filed and recorded complaint saved for lawsuit hearing if needed. I have filed a complaint due to 10 rights evidently violated and unresolved with no resolution with my account within this time I have indicated. 

Thank you for your anticipated assistance in resolving my account quickly and efficiently without furthermore violating my rights as a consumer! 

Please contact me at : ( XXXX ) XXXX Email : XXXX If you have any questions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Attached document copies. Closing Document from XXXX XXXX XXXX 
g. Civil Rights Violation h. Consumer Financial Protection Bureau Complaint Filed i. Complaint Filed with FDIC XXXX XXXX Georgia Attorney General Consumer Protection Division k. XXXX XXXX XXXX Attorney XXXX XXXX Attorney at Law ( Representation )

Company response to consumer: In progress