Consumer complaint received 2026-05-28 00:00:00
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
State: NC

Complaint narrative:
Product/Issue : Opening an account or unauthorized transactions/ Failure to act on documented fraud and forgery.Company Complained Against : Truist Bank Detailed Description of Event : I am the owner of XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I am filing this complaint against Truist Bank for its ongoing failure to protect my commercial deposits and its refusal to act on a documented, notarized Affidavit of Forgery and Identity Theft. Truist Bank has allowed an unauthorized merchant services entity to fraudulently exfiltrate over {$10000.00} from my business checking account ( ending in XXXX ) via unauthorized ACH debits. I discovered this fraud after returning from providing intensive, XXXX end-of-life care for my terminal mother. I immediately filed a comprehensive police report with local law enforcement and submitted all evidence to my local Truist branch. Truist has left this investigation completely stagnant for over a month while my small business cash flow is actively drained. Details of the Underlying Criminal Fraud : An independent sales broker named XXXX XXXX, operating under the marketing front " XXXX Payments '' ( legally registered as XXXX XXXX, XXXX ), exfiltrated my commercial billing data from my legitimate, active XXXX processing account without my consent.The broker used this cloned data to forge my signature and a witness signature on a XXXX, {$16000.00} commercial hardware XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Advantage Leasing/Fiserv.Conclusive. They created XXXX fraudulent accounts Technical Proof of Forgery : The XXXX Sign audit log for this contract records XXXX ( XXXX ) signer IP addresses for both the " Viewed '' and " Signed '' events. Furthermore, the document shows it was processed, signed, and witnessed within an impossible two-minute window. XXXX Bank XXXX : To bypass automated underwriting credit checks, the broker intentionally falsified my business financial data on the application, inflating my actual revenue from {$300000.00} to {$550000.00} ( a fraudulent alteration of {$250000.00} ). XXXX XXXX : I possess written email evidence from the agent stating that their quotes " include everything, even the equipment you might need '' with " no hidden fees. '' The subsequent hardware lease was executed entirely through XXXX XXXX : The hardware remains 100 % sealed and unopened in its original shipping boxes. It has never been activated, and no commercial transactions have ever been run. Truist Bank 's Violation : I have timely reported these unauthorized debits and provided an Affidavit of Forgery. Truist Bank is violating NACHA operating guidelines by failing to secure my account, failing to process an ACH Indemnity Reversal against XXXX XXXX XXXX and failing to execute an immediate ACH Blanket Block to halt these predatory withdrawals. Desired Resolution : I demand that Truist Banks Executive Resolution Team immediately intervene, reverse the unauthorized drafts to return my stolen $ XXXX, and place a permanent, unbreakable ACH Blanket Block on my account against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and 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