Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi this is XXXX XXXX in reference to claim ( XXXX ) Truist locked accounts XX/XX/XXXX for initial investigation of my tax refund check deposited XX/XX/XXXX which was released after undergoing normal check verification was released XX/XX/XXXX it was then locker XX/XX/XXXX after calling fraud department they told me I had to verify a XXXX payment sent which u did over the phone rep they told me I had to go into my local branch to resolve issue which I did XX/XX/XXXX The bank teller in XXXX ga XXXX XXXX XXXX location XXXX then she told me I had to call fraud department that account lock was due to check I deposited XX/XX/XXXX. I been catching XXXX since. XX/XX/XXXX I finally found out the investigation had started so I asked what I could do to be of assistance I was given an email that I could send a PDF form of my tax transcript to support evidence of check. I also provided my tax advocates name and number who I worked with for that years tax return and refund the case analysis DID NOT HELP NOT CONTACT ME OR ANY OR ANY OF THE IRS AGENTS TO VERIFY CHECK as I was working with IRS the entire time they were awaiting contact from Truist and notated my IRS account! The IRS also stated my account was in good standings and that it was nothing on their end. Below are transcripts and dates of me reaching out to multiple individuals before Truist made a final decision to steal my money and say they have my money in recovery and for me to seek legal counsel to get my money back. 
XX/XX/XXXX you guys have to understand you cant just hold other people 's money without any report of the account holder reporting any kinds of fraudulent activity. Then to basically say you guys will get to it when you can is absurd as if im some type of crook or something! You guys have some nerve. This is Truist holding my money to gain AYP or some type of other illegal activity because there's no way this is legal. Im facing eviction because of TRUIST! This money being held in these accounts are not a loan or credit from Truist its my own money so I feel as though its robbery. Truist is causing many hardship in my life and no bureau nor agency will help i have filed complaint with CFPB. Even after you guys so-called case is over I still want compensation from Truist for all this unnecessary bizzare hold on my funds. XX/XX/XXXX I JUST CALLED ( XXXX ) XXXX prompt XXXX then XXXX. A REPRESENTATIVE JUST TOLD ME THIER ACCOUNT ANALYSIS HAS LEFT A NOTE ON MY ACCOUNT FOR A HOLD/MONEY OF XXXX or more days while they wait for irs to verify my tax refund check but I sent tax transcript in last week for a quicker resolution. THIS CANT HAPPEN IM FACING EVICTION BECAUSE OF TRUIST I CALLED LAST WEEK AND HAD IT NOTATED ON MY ACCOUNT. This is so wrong. I wish I never opened up an account with Truist XXXX Im sick to my stomach. XX/XX/XXXX Good morning! I have attached a link provided by IRS representative for any individual or company to verify a official irs refund check using an official USA government website and a photo of the check in question taken before I deposited it, You can use verification numbers on check and place them on the correct spaces as instructed on the website. Please utilize this system so that I may get my accounts unlocked and have access to my funds quicker due to financial emergencies which you guys are already aware of. 

XXXX XXXX XXXX XX/XX/XXXX The data analyst has closed my case and came to conclusion that my check was associated with fraud which is not true! Truist has stolen remaining funds out of my accounts and not returning funds, supervisor in fraud told me that funds would go into recovery forever! And that I wouldnt be able to get funds back! Now Im seeking legal counsel just to get my money back! I need corporate number or email please someone has to do something about this I will go to news and media outlet and I will continue seeking legal action until I get my funds back that are rightfully mine.

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