Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

TERMS AND DEFINITIONS : Police case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transmission buyer address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a message on my phone from a number XXXX : " Hi i'm interested in XXXX ( Transmission from XXXX XXXX and XXXX - XXXX ( XXXX XXXX XXXX XXXX, is it still avaliable? Please email me [ XXXX ], Thanks. '' I told him that yes, it is in stock and sent a photo. I also wrote to him by email He answered me from XXXX and said that he was completely satisfied with the price, he wanted to send me money by check, for this he needed information about me. 





I sent everything to him. 
A few days later a check number XXXX arrived for {$3900.00}. It came to me by XXXX from the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I sent him a check and asked if it was from him? he said yes, he said that some money would need to be sent for delivery of the transmission. 






On XX/XX/2023, I went to the nearest bank ( TRUIST, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) where I have an account and asked to deposit money into my account. 
Bank gave me a check and told me the money would be credited the next day. 

On XX/XX/2023 the next day the money appeared in my account. 
he sent his details to XXXX : XXXX XXXX XXXX and asked to send money there in the amount of {$1000.00}, {$1500.00}, {$950.00} for delivery. 






I send money from this people from delivery : XXXX from my Bank XXXX XXXX account XXXX from my XXXX XXXX XXXX bank account XXXX from my XXXX XXXX bank account On XX/XX/2023 he told me that he sent me another check. I found it on my doorstep. this check was from him in the amount of XXXX. 

On XX/XX/2023 I took it to the same bank and deposited it into my account. 

a little later, on the same day, I saw that the balance on my account was {$3800.00}. 
I also saw that the last operation was return cashier check XXXX. 


this means that the money that was credited from this check was returned to the sender, and therefore there is a negative balance in my account. 

when I called the bank they asked me to come to the bank, I came to the bank, they asked me to whom the last green transactions were sent, I said that these were my accounts in other banks. 

At the bank, the operator canceled my XXXX transactions for the previous days. 
from the money that came from XXXX, she sent the money back to the buyer of the XXXX XXXX transmission. 

{$3900.00} was stolen from my account in broad daylight, and my XXXX transactions for the previous Thus, which had already been received by the recipient- my different acoount - XXXX XXXX were canceled. 

I immediately called the police to XXXX. 

I told her that now she was making a big mistake, because the police had already told me on the phone that they know this scheme, and that scammers sent me a check specifically so that I would lose money. And the fact that she returned my transactions XXXX is nothing but assistance to scammers. However, she did not listen to me and did not try to counteract the scammers, silently closed the door and left. 

I consider this behavior of a bank employee to be theft of my funds in violation of all rules and authorities, because No matter how many times I contacted the bank about returning XXXX transactions, they always told me that they could not be returned. however, the bank employee took and returned them. As a result, he sent money from my own funds to my buyer. Thanks to this bank employee, my buyer received the money twice, because... I have already sent him XXXX, XXXX and XXXX from other banks, and I lost XXXX. 

A XXXX-speaking female police XXXX called me and said that she was the only XXXX-speaking police XXXX in the area and that she was not at work now, but she was asked to talk to me. she asked me about everything and said that she had a similar operation quite a long time ago, and that she did nothing last time. She also said that the police had nothing to do with it, that I was deceived by scammers and I would not be able to get my money back. 


I told her that according to the XXXX rules that the banks told me, it was impossible to return payments to XXXX. however, right now in the bank office, a TRUIST bank employee very easily returned my payments to XXXX for the last days and said that she did this because she felt that it was a XXXX 

however, I told her that these payments were made to my own business account of my own company, and they could not be returned, otherwise the money would go to the scammers who defrauded me with the check. 

she did nothing in response to this. she simply sent my money to the scammers who sent me the same check, thus enriching them twice. she was absolutely cold-blooded and did not bother me. I cried and saw how my money disappeared from my account and went back to the scammers and she didnt care. she simply closed the bank door and left. 

When the police XXXX arrived, he said that the bank was a private organization and he had no right to arrest them. He also said that they did everything right, and had absolutely no intention of listening to me. I had to persuade him to open the claim, explaining to him the basic things that this situation causes a burning feeling of injustice in me and everyone who finds out about it, because it turns out that some person can send and cancel checks while sitting on the couch at home, collecting money on XXXX, and calling the bank, and I will lose money, and the bank will help the scammers in this. I had to explain to him that if he does not try to solve this problem, then it turns out that there is no point in working in the current structure of the world, because all the money earned can simply disappear and the police will not look for anyone, which causes an inevitable desire to get their money back money in the same way, only from other people who are not to blame for anything. and if this continues and the police do not work, then crime will flourish. and only then did he agree to open the claim. 

I am shocked by this behavior of the bank employees and the police. in this particular case, they are completely on the side of the scammers, assist them and protect them, and do not listen to me at all - seeing that I was in a terrible state, I cried, was as upset as possible, my peace, my trust in the authorities, my respect for the police, banks, and the country in which this was permissible was completely destroyed, and they didnt care at all. 

I said that since the bank has the opportunity to return XXXX transactions made a few days ago and already credited to the recipients account, then let them return the money that I sent ( allegedly to the scammers represented by XXXX XXXX ) to XXXX XXXX from other banks. 

He said that he could not return my money to me now and also could not help me do this in other banks. 

when I called other banks ( for example, Bank XXXX XXXX ) they told me that they would not be able to return XXXX transactions. 

from here I understand that the TRUIST bank employee exceeded her authority and returned the funds sent by me on XXXX to my own accounts XXXX, and despite the fact that the money was already credited to my account XXXX returned this money in order to carry out a RETURN money to cashier check to XXXX XXXX, thereby enriching the scammers twice. 

My money was stolen and I want it back due to violating XXXX 's policy, or misinforming me of XXXX 's policy. 

I also inform you that, if this appeal is ignored again, then I will be forced to conclude that such XXXX is easily carried out and is not investigated by the police, and, all those who hear from me about this situation will make the same conclusion, after which the conclusion will follow about why work honestly if you can also steal money from other peoples accounts, sending checks for any product, then receiving XXXX and canceling the checks. 


I also have a complaint against the police XXXX who came to me, why is he inactive when my money is stolen right from the bank in broad daylight? Why doesnt he ask what really happened, why doesnt he ask about where I actually sent the money via XXXX and XXXX where. he sees that the bank employee canceled the payments to XXXX, but he himself says that he will not be able to help cancel my payments to the same person, sent to many from other banks. he sees that I am losing money and says that the police have nothing to do with it, go to court. 

he also asks me if I have the address of the person who sent me the money - I say no, but he is in the bank, here we are standing here, or ask- he says that the bank does not have the right to give him such information. 


What does this mean? that anyone can send a check to me and ask me to pay him the money through XXXX, and then when I pay, just cancel the check. and the police under no circumstances, even though they have already realized that it was the scammers who deceived me, will they give me his address or return my money? 

Why should I work in such conditions if I can do the same? I'm sorry, but your actions ( or rather, inaction ) only lead to this conclusion. 




XXXX XXXX