Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I was contacted by a man who identified himself as a Detective with the XXXX XXXX Police Department. The call showed as " No Caller ID '', which I did not question due to having made a previous police report and the responding officer had called me on a " No Caller ID '' line as well. He informed me that I had missed jury duty on XX/XX/year> and that there were now XXXXXX/XX/XXXX warrants issued for my arrest. I am currently a full time college student and for financial aid purposes I use my parent 's home as a permanent address, and I do occasionally receive a jury summons at their home which my father helps notate that I am a full time student and sends them back for me. I assumed that my father had missed a summons and I believed the supposed officer. He then told me that I needed to be at the court house to waive my charges by XXXXXX/XX/XXXX, which was not possible as it was XXXXXX/XX/XXXX and I lived over XXXX and XX/XX/XXXXXX/XX/XXXX away. He informed me that I could pay a holding fee to prove that I was not a flight risk and would receive my money back upon arrival to the clerk of court the next morning. I was instructed to send money through XX/XX/XXXX to the phone number ( XXXX ) XXXX he then had me send a screenshot confirmation to ( XXXX ) XXXX. I was told I needed to send {$1700.00} to cover both warrants and when I told him I couldn't pay that he put me on a brief hold and said I only had to pay {$1000.00}. I then sent it, which prompted him to say I needed to pay another {$1000.00}, stating that I need to pay {$1000.00} for each warrant, effectively walking back what he said. He told me that I could phone a friend to ask for money with him on the line. He was adamant that I was not allowed to discuss my case, my charges or identify him on the line. Luckily my XXXX caught on and told me that police officers never ask for money. Once hung up, the man proceeded to spam call me XXXX times. I then called XXXX in hopes of canceling the payment, to which they refused. I then contacted Truist to cancel the payment, they told me that since the payment had not posted so they could not do anything until it did. The next morning I reported the scam to the XXXX XXXX XXXX XXXX XXXX, and made a formal police report with the XXXX XXXX Police Department. Truist initially refunded the money to me, which prompted XXXX to file a dispute. Truist then reversed the {$1000.00} back to XXXX, and told me that I needed to resolve it with the merchant, despite the fact they know that it was a scam, and they know there is a open investigation into this. Truist told me that it was due to the fact that I initiated the transaction, they informed me that the {$1000.00} that they had sent me was only a credit and they are refusing to honor the chargeback. I felt like I was being held hostage, and I was forced into a corner and I had to do something so that I would not be arrested. I couldn't afford to miss work and there was no one who would have been able to care for my pets if I was gone. XXXX XXXX took my report, his badge number is XXXX, and the case call number is XXXX, my claim number with Truist is 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