Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (KY)

XX/XX/2023 contacted by XXXX XXXX to get a {$5000.00} loan and approved, gave banking information, Loan Officer calls back says {$760.00} was deposited and I need to send him back the funds to make sure the account is real. Immediately informs Truist Bank of possible fraud, Truist puts a hold on {$220.00} of the {$760.00} to be released on XXXX and then a hold on the whole amount of the {$760.00} to be released on XXXX. Truist connect me to Fraud Department XXXX gave all information in return Truist started accusing me of depositing the check, I asked to see the check, they refuse. Went to local bank branch and they gave me a copy of the check. Loan Officer calls again threatening to have his company call Truist, I told him " go right ahead ''. Calls XXXX XXXX XXXX Bank XXXX XXXX XXXX to run the check & account number could not pull up account, ask why 2 different financialon the check they informed me that XXXX draws their checks off XXXX XXXX, but Main Branch, Fraud Dept, and online teammates claiming they stillk trying to determine if the check is real or not. & XXXX talk to Supervisor at Truist Headquarters informs mr the check is not real and they had closed the account, I needed to pay a return check fee of {$12.00} was deducted from my account which left my account in the negative of {$5.00}, she removed the {$36.00} over draft. XXXX return a payment of {$5.00} left {$0.00} went to local branch XXXX to pay the {$0.00} was informed Account was already {$0.00} Received overdraft statement dated XXXX stating ( total amount of items paid {$760.00} ) plus {$36.00} overdraft fee, how did Truist pay {$760.00} from a account that had hold on funds then closed for there toi be an overdraft, no money could be withdrawn from the account. Truist sends another overdraft statementof - {$740.00}. Where is these overdraft amounts coming from when it was impossible to withdraw money from the account with hold on funds then close? How would anyone know that XXXX draws their check off XXXX XXXX if they was not affiliated with a bank? Sounds strange to me. Had to change all auto pay and pay late fees, have asked them to clear my name and stop threatening to ruin my cedit. Truist is accusing me of depositing a fraudulent check. I did not deposit that check or is my signature on the back of the check. When I talked back with another Supervisor at Headquarters she confirmed what I suspected that Truist claiming they retrieved money from an account first had a hold on funds then closed and now claiming they paid the line of credit for a cash reserve in XXXX which was not due for payment of {$190.00} and change until XX/XX/2023 and the account was not in the negative because if it was the first Supervisor would not of been able to deduct part of the return check fee. Truist Breached their own Agreement when they trying to charge & billing me the whole total amount of {$750.00} the line of credit instead of the monthly payments of {$190.00} and change. The Agreement states that ALL Line Of Credit Repayments are in 4 monthly payments not due all at once and in the same month. Therefore Truist Breach Of Agreement means I do not owe them Any money, by their own doing. Thank you.