Consumer complaint received 2020-10-08
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I disagree with the way Consumer Financial Protection Bureau handled the SunTrust Bank case. The Bank closed both my Checking and Savings Accounts without notifying me in writing which is wrong. I had money left in my Savings Account. When I submitted the Complaint on XX/XX/XXXX. I received a call from SunTrust Bank on XX/XX/XXXX regarding the Complaint they received from Consumer Financial Protection Bureau. I was asked if I wanted to talk it or wait until a Manager comes back, who was away. I told the SunTrust Bank representative that I will wait. The response that I was given was " We will call back then. '' I never received a call back. According to CFPB, the case was closed because " SunTrust Bank couldn't verify who made the complaint. '' and Sun Trust Bank never submitted a response to this case. 

First, CFPB told me that the case with being investigated and them next " closed '' the case. SunTrust Bank Representative Mr. XXXX today XXXX XX/XX/XXXX ) for the first time without verifying the Payment that they have already received. He stated that they sent a Letter. I never received the Letter. He went on to say that I had a balance of {$50.00} in my Savings Account and that legally they are obligated to take that money to make up for the Money owed. I see where he is coming from but I disagree because SunTrust Bank closed both my Checking and Saving Accounts without notifying me in writing which is legally and 100 % wrong. SunTrust Bank saw this as an opportunity to take the money my Savings Account. Part that money that was taken through Fraudulent means I have just borrowed to use to pay my Rent which I never got to use. It was because of SunTrust Bank that I wasn't able to pay my Rent for the  Month of XX/XX/XXXX. 

I am disappointed on how this case was handled because I was taken advantage of by SunTrust Bank. They sent a Letter in XXXX asking for their payment. I had called SunTrust Bank to verify the amount in cents. I remembered the Dollar amount. I wasn't given the Checking Account number, told that there was a Fraud Charge on the Account, and at the same time acted as if they weren't collecting the amount owed but they were. I was transferred to a  Representative and I had to hold for over 45 minutes and still I wasn't told what the Fraud Charge was. SunTrust Bank had something to hide because they were wrong in not notifying me in writing, taking the Money that I had left my Savings Account as a Convenient way to get want they wanted since it was within their own means. The Bank that was always praised in the XXXX  XXXX XXXX as being one of the Best banks to me now is one of the Banks that provide the worst Customer Service ever. They don't care Customers. They care about how they can make Money with People 's money. When People open Bank Accounts, they don't include and protect Customers from Fraud. When something happened to Customers, they do what they think is convenient for them by closing Accounts and use the word " legally '' to justly what they did. The Fact is when close Accounts, they notify Customers in writing. SunTrust Bank never notified my writing which is unprofessional, illegal, and wrong.

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