Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

Greetings, I finally got a reason along with a contact number for this company called XXXX XXXX XXXX while on a Chat with a Truist bank rep. I told her ( XXXX? ) that I do not owe them anything, nor do I know who they are. She told me that it was NCDOR stating that I owe taxes. I told her that I do not owe them anything, nor do I appreciate the bank allowing them to wipe out my checking account, and according to my son 's version from a different bank rep, " There wasn't enough in my account so they went into his account to pullout {$400.00} ( more ). I still can not see the {$1000.00} being pulled out of my account from my bank statement, but I know that amount was there before them entering my account. One of the rep 's that I had spoken to earlier told me that it was " me who had authorized for NCDOR to take my son 's money '' and that he, my son, owed the taxes to the government. After hanging up on them to call my son, he said that he didn't owe anything. When I called back, they said my son needs to call the IRS for an explanation. It wasn't until my son called that I found out that it was actually me " who purportedly owe taxes ''. I told my son that I didn't even file my taxes yet. So I called the bank again and that is when I found out that it was someone from NCDOR who had taken our

money. I tried again but this time on the bank chat and got further details -- but a refusal to investigate despite requesting it. I have a letter ( please see attached ) from
NCDOR

that I o we no more money, but I have had a few more bills stating that I do, and now them entering my account to pull out more money. I pay my taxes every year but I still don't understand why I am being billed nor why or how much the total amount that I am purported to owe. Below are contacts that I have made to try to retrieve the monies pulled from my son 's account, and mine as well as the other payments made to
NCDOR ( despite the " release letter that I was given ). I have also filed a complaint with XXXX XXXX XXXX office, with the hope that I can get them to help us. 

Please help. 
From : XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX  Greetings, Just this past weekend, my bank account was wiped out except for {$26.00}. According to my son ( who had called earlier today ), after taking over {$1000.00} from my checking account, the person or persons went into his account to " get more ''. They took over {$400.00} from his account. When I called Truist, I was informed that I, apparently, owe the IRS for my taxes. I told the rep that I haven't even filed my taxes yet -- how can I owe the IRS, and who is XXXX XXXX XXXX? If the IRS has a problem with me, they would have contacted me and not pull money out of my account or my son 's account ( he only makes {$1000.00} a month ) because " there wasn't enough in my account ''. The bank refuses to conduct a fraudulent investigation, and seems to believe this individual rather than me who own my account.

I have already sent an email to the IRS hoping that they will give me some help with the bank. I am in the process of contacting the FDIC but having some trouble finding an email contact address. 

From : XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX  Greetings, My bank allowed a company named XXXX XXXX XXXX to wipe out my Truist checking account leaving me with {$26.00}. My son told me that when they took over {$1000.00} from my account, they moved on to his account and took over {$400.00}. A rep from the bank told me today that " I had authorized for them to take the money ''. My son had called earlier in the day and told me that " they '' had entered my account, but did not have " enough '' of what they wanted and then moved over to his account to take {$400.00}.

This company told the bank that they were the IRS and needed to take money that I owed. I told the bank today that I haven't even done my taxes, and that your organization would not take money without informing me that I owed the IRS any money. The bank is refusing to give us back our money, nor will they authorize a fraud investigation. I hope that you can help in this matter. As soon as I can, I will remove my money from that bank. Please help.