Consumer complaint received 2022-01-02
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX I was XXXX, financially uninformed and at my local Suntrust Bank opening my first bank account. My father XXXX XXXX accompanied me. 

I was opening an INDIVIDUAL account, Debit only. I was in no way shape or form applying for an account that anyone else had access too. 

Despite being told I was receiving the type of account i sought, Suntrust banker XXXX XXXX actually Opened an account I still am unfamiliar with and submitted the cooresponding documentation not authorized by me. 
It is called an Electronic Signature Access Card As a result, my father, who accompanied me that day has been accessing my account at suntrust to withdrawal and deposit however he pleases, he was issued his very own card for my account, ordered checks on my account and most recently opened a line of credit for my account on XX/XX/XXXX and XX/XX/XXXX I have lost over XXXX because of this, and my statements did NOT reflect this prior XX/XX/XXXX. On that day the lines of credit, and accounts held jointly ( without consent or knowledge ) BY XXXX XXXX closed onto my personal acccount. 

With that 5 years of transactions formerly withheld posted as pending to my account, bankrupting me. 
Transactions Ranging from fast food to airline tickets, ATM withdrawals, XXXX withdrawals, LOTS of XXXX and XXXX XXXX transactions. 
the type was indiscriminate. 

It is my belief tat suntrust bank and their tellers open lines of credit for certain consumers and use these lines of credit to their hearts content until finally, they close them as charge off- leaving the consumer helpless as the transactions far surpass the timeframe in which they can be reported. That AND Suntrust 's ID theft policy. They honor and reimburse the first instance of " fraudulent transactions '' but they offer no contractual obligation to honor and reimburse any more. 
This all happened after I disputed my XXXX transaction in 8 years, totaling less than {$200.00}, reimbursed. 
XXXX month later, the situation I am complaining against commenced. Over XXXX in transactions spanning my XXXX relationship with suntrust. 
XX/XX/XXXX hard inquiry posted to my credit report by suntrust that i did not consent to. 

I disputed all of this, but since " some were debit and some were credit '' transactions, Suntrust, teller XXXX XXXX Denied my dispute. My Tax return for tax yr XXXX, XXXX, and EIPs were among the transactions that did not reflect as paid prior to XX/XX/XXXX. Once they posted to my account, they were immediately drained by the other pending transactions. 

XXXX XXXX XXXX ( XXXX XXXX XXXX TN ) and XXXX XXXX ( XXXX TN ) BOTH flat out deny the existence of this line of credit, going as far as to say no inquiry ever existed. 
I suspect there is a POD on my account for my recently deceased sister ( unsolved hit and run ) as i briefly saw " POD '' on the screen of teller XXXX. I asked, he quickly changed the screen and denied it. There was ALSO a line of credit opened for my late sister XX/XX/XXXX, 5 months before the accident. 
XX/XX/XXXX her account was " hacked '' and she too, was left without acccess to her money. 
They robbed her, and the ONLY reason she was on the interstate that night was because she had resorted to working odd jobs to make ends meet. she was driving XXXX miles to clean a family members house, despite having over {$500.00} in the bank, she too hadnt received her tax return or stimulus, there fore she was in dire need of FOOD. 

I have documentation that supports all of this as well as recorded interactions to supplement. 

One of the last things she said was about her bare cabinets, and how she hated visiting the family member in chattanooge who offered to pay her for her services, our father and lifelong abuser, XXXX XXXX. The same man who robbed me. 

I blame Suntrust Bank, and XXXX XXXX for her passing. I assign them responsibility for her having been on the interstate so late and not at home with me getting ready for school. 

She would have been alive if it hadnt been for this unfair, deceptive and criminal behavior shown by suntrust bank, XXXX XXXX, XXXX XXXX and XXXX XXXX. 
They are responsible and i can only pray they will have to hold accountability for a fraction of what they deserve. Please help me. please help my sister. 

XXXX and XXXX XXXX XXXX I have not covered my personal info from the documents so i will not be uploading files just yet, i can be contacted by email and i will provide these documents and video/voice recordings.

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