Consumer complaint received 2021-02-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 I made a claim to BB & T Enterprise Fraud Management department with my local XXXX, MD BB & T Branch. Bank employee, XXXX XXXX, of the XXXX branch helped me to fill out my ATM/Check Card/Electronic Check/Error Resolution form. The dispute that is of my concern is a case of fraud. On XX/XX/2021 I received an email from a person by the name of XXXX XXXX that appeared to be a faculty member from my university, XXXX  XXXX XXXX  XXXX County  concerning a job offer for students to assist the Superintendent of the school. I was convinced that I was given the position and I was sent a check addressed to myself, XXXX XXXX in the amount of {$1800.00} from XXXX XXXX XXXX XXXX County. This was in the format of an e-check and the email came from a person impersonating another XXXX employee by the name of XXXX XXXX. I was told that this check amount included my first week paycheck as well as money to put towards the materials for working at home such as ; a laptop, printer, and rubber stamp. On XX/XX/2021 I was instructed by " XXXX XXXX '' that I needed to send via XXXX {$1000.00} to pay for the printer and laptop. I thought this was strange so I wanted to verify XXXX XXXX identity on my University 's website. I saw that she is an actual employee of XXXX ( XXXX XXXX XXXX ) therefore I was under the impression that I knew and trusted this person. XX/XX/2021 I sent a XXXX  payment to an account under the name of XXXX XXXX ( I was told this was the company selling the materials ). I also contacted my University to learn that this indeed was a phishing scam and the emails did not come from the REAL XXXX XXXX. I later learned that the check was not actually from XXXX XXXX, as I later got in contact with the real XXXX XXXX through the email address of ; XXXX ( XXXX XXXX XXXX ) I reported this to my bank and had the fraudulent check disputed immediately, however the XXXX payment was already accepted by the recipient therefore I could not cancel the payment. I would like it to be noted that the XXXX payment was made after bank hours, therefore I had no way of contacting my bank to put a hold of the payment. I then made my dispute with BB & T to try to get my money back. On XX/XX/XXXX I also filed a police report with Officer XXXX XXXX of the XXXX Police Department under the Case # XXXX. On XX/XX/2021 I received a letter from BB & T Enterprise Fraud Managment that stated after an investigation they have denied my dispute and no funds will be deposited to my account as a result of the claim. XX/XX/2021 I called their department ( XXXX ) to learn the evidence that was used to resolve my claim. I was told that my claim was denied because the money was sent through a third party ( XXXX ) and therefore they do not offer any protection for consumers under these services and I will not be receiving a credit of {$1000.00} on my account.

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