Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
MY STORY I am a XXXX XXXX woman. I fell for a phishing scam that was emailed to me sent to me in an email from XXXX. 
( XXXX. The XXXX imposter ( XXXX XXXX claimed someone had been charging to my XXXX in increments ( {$840.00}, {$840.00}, # XXXX for a total of ( {$4600.00} ). None of it was true, per my bank. After the fact. XXXX was instructing me to fill out a form to recover the {$4600.00} ) I mis-entered the amount on their form. It should have been {$4600.00}, but I errored in entering the amount ( I entered this amount {$46000.00} instead of {$4600.00}. So, the scammer sent that amount of {$46000.00} to my XXXX XXXX checking account in XXXX XXXX, XXXX. I saw that money was deposited. I wanted to return the money that was sent to my account so that XXXX wouldn't be responsible for my error. Naive and gullible, yes. This man/XXXX pressed me to return the money, or else he would have to pay for it. I felt responsible for this and wanted to correct my error. He forwarded me to another man named supposedly XXXX XXXX. 
I unplugged my computer and entered my XXXXXXXX XXXX account ( from where the money came ) three times in error, knowing it would lock the account. 
He then told me to wire the {$46000.00} but to hold out # XXXX to pay the bogus XXXX charges to my bank. I was to wire the {$46000.00} to XXXXowned XXXX company address XXXX XXXX XXXX XXXX XXXX, MD XXXX, routing number XXXX ; in turn, it was deposited into a bank ( Truist ) in XXXX. routing number XXXX at its bank address Truist Bank, XXXX XXXX XXXX XXXX. XXXX, MD. 
MD XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX said I would get back my {$42000.00} soon. 
I became increasingly alarmed ( finally ) and anxious about the whole transaction, so I unplugged my computer. I then called my bank ( XXXX XXXX XXXX ) by phone. I told them what I was experiencing in real-time ( they said to hang up and close down my computer ; I did that ). XXXX XXXX immediately locked my account on XX/XX/XXXX. 
The money - {$42000.00} went to a fake company, XXXX XXXX XXXX XXXX, at XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. After the wire of my XXXX was finalized on the morning of XX/XX/XXXX. I demanded my money back ( {$42000.00} ). XXXX said I would get my {$42000.00} by XXXX XX/XX/XXXX and by XX/XX/XXXX. He told me he had my XXXX, email, and name. I told him I knew he was scamming me. He then directed me to wire another {$46000.00} ; only then would I get my money back. I said no, and I hung up. I spoke again to the XXXX XXXX XXXX XXXX Department in XXXX on XX/XX/XXXX, and XXXX promptly locked down my account. XXXX called Truist Bank XXXX XXXX XXXX. The recipient of my money ( Truist Bank in XXXX and/or XXXX, MD, XXXX ) XXXX with Truist Bank XXXX XXXX wire fraud, and they said they " would do their investigation. '' XXXX XXXX XXXX 's XXXX said they have 60 days ( XX/XX/XXXX ) by law to complete this assessment. They will decide if I get my money back! The transaction ID is XXXX, XXXX # case I.D . XXXX. Update : Truist Bank said there was no money there, and they sent the {$42000.00} to another bank despite XXXX of XXXX calling them and telling them it was wire fraud. Truist Bank did not prevent the transfer of my {$42000.00}! I have a record of all the above transactions as proof. 
XXXX kept calling me. I accepted XXXX call and said I would file wire fraud charges with the FBI. XXXX replied, " I have all your bank account numbers, passwords, and social security numbers. 

XXXX XXXX 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