Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Final Demand : Immediate Reimbursement of {$75000.00} Fraudulent Estate Account & Identity Theft To : XXXX XXXX, Truist Bank XXXX : - XXXX XXXX, Truist XXXX - Truist XXXX Department - Office of the Comptroller of the Currency ( OCC ) - Federal Deposit Insurance Corporation ( FDIC ) - Maryland Office of the Attorney General Criminal Division - XXXX  XXXX XXXX XXXX XXXX XXXX Federal Bureau of Investigation ( FBI XXXX XXXX XXXX ) Dear XXXX XXXX, This letter serves as final notice regarding Truist Banks continued failure to correct and reimburse funds related to the XXXX XXXX XXXX XXXX XXXX XXXX Truist knowingly allowed Attorney XXXX XXXX XXXX XXXX open and operate a fraudulent estate account in violation of state, federal, and banking law. 
Specifically : XXXX. The estate account was opened using a fraudulent EIN number, which remains registered under my name as of XX/XX/year>, making the account an ongoing act of identity theft. This was documented in my complaint with the IRS. Truist has been placed on notice of this fact. 
XXXX. The account was opened under a fraudulent title ( Administrator ), despite clear proof that no such appointment existed, and while valid Delaware Letters Testamentary ( XX/XX/year> ) confirm my authority as Executrix/Personal Representative. 
XXXX. Truists own records show Attorney XXXX XXXX deposited estate funds into his personal account. No IOLTA account was ever associated with this estate, and Truist has been fully aware of this. 
XXXX. To date, over {$21000.00} has been misappropriated from this fraudulent account. Despite notice, Truist continues to allow the account to remain open and active, facilitating ongoing financial crimes. 
XXXX. Truist has refused to return the {$75000.00} XXXX XXXX XXXX proceeds, even after receiving proper documentation establishing the rightful ownership of the funds. 
Truist is therefore complicit in : - Fraudulent account opening and failure to verify EIN documentation - Aiding and abetting embezzlement of estate assets- Ongoing facilitation of identity theft - Refusal to correct fraudulent transactions after notice Be advised : If Truist does not immediately reimburse the {$75000.00} and close all fraudulent accounts, I will file a Grand Jury Indictment Complaint naming not only Attorney XXXX XXXX, but also Truist Bank, its employees, and its Legal Department for conspiracy, identity theft, and financial crimes. 
This matter will also be referred to the OCC, FDIC, Maryland OAG, FBI, and IRS Criminal Division, with a complete evidentiary package including bank records, account numbers, EIN records, and court filings. 
Truist has already exceeded reasonable time limits for correction and is in violation. You now have until the close of business on Wednesday, XX/XX/year> to provide written confirmation that the {$75000.00} will be returned to the XXXX and the fraudulent account permanently closed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, MD XXXX Phone : XXXX Email : XXXX Exhibit A XXXX XXXX Breakdown This exhibit demonstrates how the {$75000.00} XXXX XXXX XXXX proceeds, payable to the Estate of XXXX XXXX XXXX XXXX, were misused after Truist Bank allowed Attorney XXXX XXXX XXXX to open a fraudulent estate account under a false title and with a fraudulent XXXX. 
Rather than being placed in a lawful estate or IOLTA account, the funds were siphoned into XXXX personal account and misapplied. 




Breakdown of Misuse : {$8300.00} Coerced funeral expense check, endorsed under threat and deposited directly into XXXX personal account. 
Additional deposits totaling over {$12000.00} XXXX funds placed into XXXX personal account rather than an IOLTA or estate account. 
Balance of {$75000.00} Remains unaccounted for and unreimbursed to the XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All above transactions were part of this same sum and show clear evidence of embezzlement, fraud, and banking violations. ) This evidence is supported by : - Truist Bank records of deposits into XXXX personal account. 
- IRS EIN assignment records showing the number remains under my name as of XX/XX/year>. 
- Court filings documenting XXXX issuance of {$75000.00} under a false Administrator designation. 
Conclusion : The entire {$75000.00} must be reimbursed to the XXXX XXXX XXXX XXXX XXXX XXXX. The breakdown above is provided as evidence of Truists complicity in allowing estate funds to be diverted into an attorneys personal account without any legal authority or XXXX XXXX account.

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