Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I'm a joint acct holder with my mother 's accts because she was XXXX of XXXX and needed help figuring her finances and after looking into her finances have noticed over the last 8yrs my oldest brother XXXX XXXX XXXX has been making multiple withdrawals very other day of amounts of {$200.00} to {$800.00}. Every other day or from {$6000.00} to {$9000.00} each month. My middle brother and I have reported this to the bbt now truist local bank back in XXXX and at that point we were told that since at that point I wasn't on the acct and our mother who was in a XXXX home XXXX of XXXX and had a XXXX  XXXX  would have to come down to the bank to start a fraudulent activity case. We after getting mom to call the bank at least stopped the debit card so no more debit withdrawals could be made by him as she had told the bank she had given him the debit card to use to only use it for buying gas for errands and to buy groceries with from the store. But didn't give him the right to use it to pull cash out as he had been doing for over 8yrs when she canceled the debit card she asked to have the person who was responsible for embezzling her money found and stop the debit card that day which was around XX/XX/2022 or so. After she finally was released to go home she had been diagnosed as having a month or so to live due to her XXXX had spread into her XXXX  XXXX XXXX into her XXXX and XXXX so she had only a month to live. 
So since she was so bad off she put me on her acct so I could take care of her accts. At this point we looked back on her acct and found he had embezzled over {$260000.00} by using her debit card to withdrawal these funds.again I was told by the bank in XXXX there was nothing they could do about turning in as fraud. I had already contacted adult protective services in XXXX XXXX Virginia and they looked into the withdrawals and found out that he had taken all the above money without his mother 's approval using the debit card but mom didn't want him to be arrested for embezzlement so they ended the case without arresting him for embezzlement of mom 's money. But she repeatedly told the bank she wanted to find the person who was taking her money. Which the bank never has to this date turned it into the fraud department. So now my mother has passed away I'm the executor of her estate plus also on her accts and I want you to turn the embezzlement withdrawals that he's taken from mom 's acct into the fraud department as he has not only embezzled from his mother he now has embezzled from the estate of XXXX XXXX XXXX which is the same acct that we are joint owners on now. Since we reported it back in XXXX and nothing was looked into at that point. I've contacted a attorney about this and he has informed me that he thinks this should be turned into the fraud dept and not only looked into it but as noted on the fdic website after finding out the withdrawals are fraudulent then that money should be reimbursed into the acct as they are federally insured under the fdic. I have letters and emails from the adult protective services stating that XXXX XXXX XXXX had admitted to making the withdrawals and using the money for his own uses and not to be used towards his mother 's financial needs. So this is purely a fraudulent act and these withdrawals should be given back to my mother 's acct. As per the fdic website it constitutes as embezzlement and is covered thru them to be reimbursed to the acct holders acct. So please look into this and contact me back asap. Please help my mother resolve this matter in heaven.Thanks XXXX XXXX & XXXX XXXX XXXX

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