Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
XXXX. I am a XXXX XXXX XXXX XXXX ( member XXXX XXXX XXXXXXXX XXXX It was nearly impossible to open a XXXX Account XXXX I travelled to XXXX, VA ( XXXX former Federal Govt. XXXX location ). 
verification-authentication steps and the accout is opened. 

XXXX. My account remained accessible online for XXXX days. 
The rest is in the e-mail to TRUIST ( they refused to provide an e-mail address to relay my dispute/complaint ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am writing this fur the purpose of getting my account unlocked. I am writing to this e-mail address, because no other alternative was made available. 

Here are the events leading to the 'lock-out ' on my account in chronological order : XXXX am a XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ) currently XXXX in XXXX XXXX XXXX 

XXXX. I travelled to XXXX, VA to open an account since my physical presence there was needed. 

XXXX. XXXX XXXX XXXX ( with the help of XXXX of her associates ), after going through verifications, authentifications, opened a checking account in my name with an initial deposit of XXXX checks ( amounts {$240.00} and {$1100.00} ). 
I was able to access the account until XX/XX/year> XXXX. The next day I received this alert notification : ************************** XXXX, XXXX XXXX 
Heads up. Your XXXX payment to XXXX didn't go through. 
Here are the details : Intended recipient XXXX  XXXX Amount {$240.00} From account ending in XXXX Memo To XXXX From : XXXX XXXX XXXX  ; XXXX ( XXXX XXXX XXXX ) Payment ID XXXX We apologize for the inconvenience. Please try the payment again. 
******************************************************** XXXX. Immediately thereafter, I was informed that my account was " locked ''. 

My numerous attempts to be informed on the reason for such action produced no result other than the words 'fraud ' and 'suspicious activity ' words without any explanation. 
XXXX. The word XXXX and transfer mentioned. 

Since I am still in the dark regarding the reason, I provide this ecplanation, hoping it can clarify misunderstandings if any present : I did attempt to make {$240.00} transfer to a brokerage account with the firm XXXX XXXX XXXX XXXX XXXX XXXX ). I had made numerous wire transfers to them. This would be the first XXXX with XXXX ( because XXXX transfer was listed among the methods of funding list ). 


XXXX Then the " XXXX XXXX didn't go through " message! 

I still can not fathom what kind of " fradulent activity ' I could be suspected of. If the recipient, XXXX is involved in any illegal activity, I have no way of knowing. 
XXXX. The last info I received from XXXX and Truist Bank is : You need to 'physically go to the branch where you opened the account '. 

But I did physically go to the branch only 5 days ago, which trip costed over thiusands of $ $! Now I am asked a man who had a recent XXXX ( with XXXX previos XXXX XXXX XXXX XXXX XXXX  ) is inexplicable and unconscianable! 

I categorically reject any involvement in any deliberate XXXX  activity. 
Since no explanation is given I have no means of defending myself. 

Therefore I request the removal of the locking action and restoration of my account to the beginning status. 

I will employ all available legal means starting with appropriate units of FDIC and other regulatory authorities. 
I am still hoping for the correction of the wrong action. 

Last addition : Truist Bank associate told me that to unlock /reactivate my account I am required to travel from XXXX XXXX back to XXXX XXXX VA XXXX the local branch ). I informed them that that condition is unconscoanale and devoid of a reason. 
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