Consumer complaint received 2023-09-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I deposited my pay check in the amount of XXXX in my Truist checking account ending in XXXX. Lying in wait on XX/XX/XXXX, Truist records indicated that the company fraudulent and without legal authorization withdrew {$490.00} from my account without my knowledge or consent. On my account, Truist recorded the following information posted on XX/XX/XXXX. 
Transaction Details - {$490.00} Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Transaction Type Debit Reference Number XXXX Receipt Attached : NO My checking account activity documented by Truist also reveals the Bank 's fraudulent practices when handling consumer banking. Truist posted the data below on my checking account without any prior notice to me, the consumer/banking customer. Truist company records above proves there was no prior notice given to me. It says " RECEIPT Attached : NO. Truist illegally withdrew {$490.00} from my personal checking account and it's records prove that NO receipt was attached at the time of the fraudulent withdrawal from my personal checking account. Any documents sent to me by Truist during the time of the bank 's illegal withdrawal bears a date after the fraudulent transaction. The date on the attachments included in this complaint by Truist bears the date of XX/XX/XXXX. Truist 's fraudulent transaction occurred on XX/XX/XXXX, without prior notice and written consent ( see attachments ). 

XX/XX/XXXX Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO - {$490.00} - view details for XX/XX/XXXX Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO XX/XX/XXXX Posted Balance : {$1500.00} There's a constant practice by the banking industry in noncompliance of the federal banking laws. 
The only debt I have with Truist is my mortgage payment in which was originally with Suntrust Bank initiated in XXXX. The merger with XXXX and Suntrust to create Truist caused the changeover in my mortgage. 
As a banking consumer, I had never had a direct monetary relationship with Truist. I never consented to a direct relationship with Truist. Any banking relationship I have was inherited and minimal, and with NO direct, written consent by me. 
As a result of this illegal and fraudulent act on behalf of Truist, I have suffered tremendous financial hardship. My next monthly mortgage has been tremendously threatened. My utilities are faced with cut-off notices. 

Truist provided me with NO PRIOR NOTICE before illegally confiscated funds in the amount of {$490.00}. All funds were illegally withdrawn from my account on XX/XX/XXXX, within hours after I made a large deposit in my account. Any notice to me was submitted by Truist two ( 2 ) days after the fraudulent and non-consensual withdrawal from my account ( see attachments ). This is not prior notice granted to banking consumers by federal law.

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