Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of my checking account, the withholding of my funds, lack of notification regarding a disputed check deposit, and the closure of my account. On XX/XX/XXXX, I deposited a check into my account through a Truist ATM after receiving the check during a legitimate in-person garage sale transaction involving the sale of XXXX bedroom sets. The buyer requested to pay by check, and I agreed only after deciding to deposit the check and wait for it to clear before releasing the furniture. Communication with the buyer occurred through XXXX ; however, the account was later deleted and the message history became unavailable. I deposited the check in good faith and had no reason to believe it was fraudulent at the time. For more than XXXX months after the deposit, I received no notification by email, mail, or telephone regarding any issue with the check. On XX/XX/XXXX, I filed my tax return. The following day, when I attempted to access my banking app, I discovered my account had been restricted. After contacting Truist customer service, I was informed for the first time that my account was blocked due to the XX/XX/XXXX check deposit. I later was told that a notice have allegedly been sent on XX/XX/XXXX, which was months after the original deposit. However, I did not receive any prior warning or communication regarding this matter before my account restriction and closure. Because of the delayed notification, I was denied the opportunity to preserve evidence, gather records, or take timely action to protect myself as a victim of fraud. By the time I became aware of the issue, the XXXX account and related communications were already deleted. I requested copies of the deposited check image and related documentation, but I was unable to obtain them before my account was closed. I recently received a statement reflecting an ACCOUNT CLOSE OUT debit in the amount of {$2100.00}, reducing my account balance to {$0.00}. However, the statement does not explain where the funds were applied, whether they were used to offset an alleged loss, or the basis for withholding the funds. At this time, Truist has informed me only that the funds are being held, without providing a full written explanation or supporting documentation. I respectfully request : * A written explanation for the account closure and withholding of funds * A breakdown of how the funds were applied * Copies of all notices allegedly sent regarding this matter * Copies of the deposited check image ( front and back ) * Confirmation of whether this matter has been reported to XXXX and how it has been categorized * A formal review of this matter considering the delayed notification and lack of opportunity to respond I maintain that I acted in good faith and was an unintentional victim of fraud. Thank you for your review.

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