Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding unauthorized XXXX transactions and Truist Banks failure to properly respond after receiving direct and timely notice of fraudulent activity involving my account. This matter involves unauthorized electronic fund transfers associated with my Truist business account for Chills on XXXX XXXX, as well as My personal checking account. I did not initiate, authorize, or knowingly benefit from any of the disputed XXXX transactions. Critically, Truist received actual notice of fraudulent activity before additional transactions were allowed to proceed. On XX/XX/year> at approximately XXXX AM, after receiving an alert regarding a XXXX transaction that I did not authorize, I immediately contacted Truist Fraud Services. I remained on the phone with Truist for approximately 16 minutes and 55 seconds. During that call, I specifically informed Truist that : * I did not authorize any XXXX transactions, * My phone and/or account access had been compromised, * I was out of the country at the time, * No XXXX transactions should be processed or paid. Truist informed me on that call that my accounts would be frozen and not to worry about any transactions being processed. Despite this direct warning from me, and the assurance from TRUIST all fraudulent unauthorized XXXX transfers were inadvertently processed after this date. Further, on XX/XX/year> at approximately XXXX PM, I again contacted Truist regarding the ongoing fraudulent activity and remained on the phone with Truist for approximately 26 minutes. During this second call, I again reported unauthorized activity and attempted to stop additional fraudulent transactions. The unauthorized XXXX transactions include, but may not be limited to, the following : * XX/XX/year> XXXX Payment to XXXX XXXX ID XXXX {$920.00} * XX/XX/year> XXXX XXXX to XXXX XXXX ID XXXX {$920.00} * XX/XX/year> XXXX XXXX to XXXX XXXX ID XXXX {$3000.00} * XX/XX/year> XXXX XXXX XXXX XXXX XXXX Payment ID XXXX {$3000.00} * XX/XX/year> XXXX XXXX to XXXX XXXX XXXX ID XXXX {$3000.00} * XX/XX/year> XXXX XXXX to XXXX Payment ID XXXX {$500.00} * XX/XX/year> XXXX XXXX to XXXX Payment ID XXXX {$600.00} * XX/XX/year> XXXX XXXX to XXXX Payment ID XXXX {$1000.00} * XX/XX/year> XXXX XXXX to XXXX Payment ID XXXX {$1500.00} * XX/XX/year> XXXX XXXX to XXXX XXXX ID XXXX {$1200.00} * XX/XX/year> XXXX XXXX XXXX XXXX XXXX Payment ID XXXX {$1000.00} These transactions total approximately {$16000.00} in unauthorized XXXX transfers, exclusive of additional related fraudulent activity and fees constitute unauthorized electronic fund transfers under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ). Despite : * timely fraud reporting, * sworn affidavits, * direct warnings to Truist, * and ongoing communications regarding compromised access, Truist denied reimbursement and improperly characterized these transactions as authorized. I am requesting : 1. Immediate reimbursement of all unauthorized XXXX transfers, 2. Immediate issuance of any outstanding provisional credit required under Regulation E, 3. A complete reinvestigation of all disputed transactions, 4. Production of all records relied upon in denying the claims, including IP logs, device information, authentication records, internal notes, and fraud investigation materials, 5. Written explanation of how Truist concluded these transfers were authorized despite prior notice of fraud and explicit requests to stop payment activity. This complaint concerns unauthorized account access and failure to adequately respond after actual fraud notice was provided. I reserve all rights and remedies available under federal and state 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