Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was going to my Truist Bank to withdraw XXXX dollars from the ATM. The back was closed since it was on the weekend. When I arrived at the ATM, if went and put my card in and requested XXXX withdraw. The ATM gave me the withdraw amount. I went on my way. Below will be the numbers for what happened. 

XX/XX/year> My balance was XXXX XX/XX/year> a service charge of XXXX was posted Leaving me with a XXXX Cents XX/XX/year> I deposited XXXX This should have left a balance of XXXX XX/XX/year> I withdrew XXXX - This should have never happened since I was a negative XXXX cents in my account. I should not have been able to withdraw the XXXX. 
A overdraft charge was added to my account on XX/XX/year> for XXXX With the account being negative XXXX XX/XX/year> a membership fee of XXXX was added. and another XXXX overdraft fee was added. If I was in the negative, this should had never been posted. 

On XX/XX/year> I deposited XXXX. I went to withdraw some money and at that time found out that my account had a negative XXXX. 

I called on XX/XX/year> to require why I had XXXX overdraft fees of XXXX each. Explained to the bank that I was not aware I was short and that they charged a XXXX fee on XXXX cents. I then explained if the XXXX cents was taken off when I deposited the XXXX, then everything would had been fine. The person told me that they did nothing wrong and that it was my responsibility. 

I went to the bank on XX/XX/year>- they said the same thing. Nothing they could do. 

Called again on XX/XX/year> and they just put on hold for XXXX minutes and came back and said the same thing. 

When I deposited the XXXX, the XXXX cents should had been taken off that XXXX That would have left me with with a XXXX cent balance. This would had made me realize that I had a shortage in my account. I would then had left money in the account. I have not had XXXX overdraft or any other problem with my account. I think it is robbery to charge XXXX on XXXX cents. I was able to go XXXX person up from the customer service. Neither did anything. For them to make then another payment when the account was in the negative XXXX, another payment should had been declined and not paid. When I asked for them to show me proof that I signed a document stating that I would allow payments to be made even if I was negative, they told me they could not show that to me and would have to go to the branch. I would think that would be their job to provide the proof I agreed. 

I'm not trying to get out of anything. I think it was there fault to begin with. It would have all been solved, if they would have taken the money out of my deposit, making my account in the plus. I find it hard that no one at Truist Bank can remove the charges. I would appreciate your help in this matter. Thanks for your help. 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