Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I discovered on XX/XX/25 after logging into my account information online that all of the funds in my checking account with Truist Bank had been stolen due to a total of XXXX unauthorized and fraudulent transactions that were made to the account between XX/XX/25 and XX/XX/25, Truist NEVER even once alerted me or contacted me about any of these fraudulent transactions. No phone calls, emails, or texts messages were ever received by me from Truist when the extensive fraud occurred over a span of XXXX days. In addition, when I contacted Truist immediately after discovering the fraud ( on XX/XX/25 ) to number XXXX, make them aware of the fraud, and number XXXX, to ask why I did not receive any text messages, emails, or phone calls from them inquiring about whether I authorized or made any of the XXXX fraudulent transactions, all Truist did was apologize. In total, the thief or thieves stole {$4400.00} from my checking account causing the account to go into the negative while also causing excessive overdraft fees. The checking account that was compromised is my main account, my salary is paid to this account biweekly and the majority of my bills are paid using the funds in this account. To further complicate matters, Im a federal employee who was heavily impacted by the recent XXXX government shutdown and although I was required to still physically work throughout the full duration of the shutdown, I was not paid for the work I performed during the period of XX/XX/25 to XX/XX/25 until XX/XX/25, and my employer deposited a lump-sum or past due payment to my checking account with Truist and shortly after the funds were deposited is when the massive theft of the funds occurred. I was already behind on my bills due to not being paid for so long and then when I finally did receive my back pay most of the money in my checking account was stolen. This is TOTALLY and completely unacceptable and although XXXX not blaming Truist for the theft of my debit card information, I do blame Truist for not taking any measures to protect me as the consumer from fraud/theft, especially given the number and dollar amounts of the fraudulent transactions that occurred. Their fraud prevention tactics or services were no -existent. I have filed XXXX fraud claims, which are both allegedly pending with Truist right now, and the claim numbers are XXXX and XXXX. I have also asked Truist repeatedly to please grant me a provisional payment or payments for the full amount of the funds that were stolen from my checking account because Im currently in a dire need financial situation and am just getting back on my feet as a result of the government shutdown and not being paid for so long. I do not have any money at this time because my checking account with Truist has been totally depleted due to the theft, theft that Truist failed to even notify me about. Im begging that someone please help me now, I can not afford to wait weeks or even months while Truist completes their fraud investigation, I NEED MY MONEY NOW, TODAY! I also filed a police report related to the fraud on XX/XX/25 with the XXXX XXXX XXXX Police Department located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX, telephone number XXXX. The officer who took my police report or incident number XXXX is XXXX XXXX, XXXX number XXXX. Thank you for your immediate attention to this matter.

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