Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a check from a company I was hired from in the amount of {$1200.00}. I didn't want the funds to interfere with my Social Security acct ending in XXXX so I opened a new acct. ending in XXXX and deposited the check there. The representative assured me that my acct XXXX would not be linked, hindered or touched in anyway. After the company requested that I show them I deposited the check in my bank, they asked me if I could go ahead and buy the equipment from them to start my job. Since I told them the bank held the money for 10 days I became suspicious. I called the XXXX  XXXX XXXX to make sure the check was good before I would touch any of my money I deposited and talked to the head of the financial dept. and I even have her direct line for any questions. She told me the check was a scam and after giving her all the information to help her catch these fraudulent people she commended and thanked me. I in-turned called Truist immediately on XX/XX/XXXX and relayed the information to them and told them to make sure no money or activity would go on in that new acct ending in XXXX. I also made sure I cancelled the debit card they would have sent me also. I made sure I was a vigilant and upstanding customer to help them in anyway catch this check and not be out any monetary value. Again I was very concerned about my acct. ending in XXXX since it is my lifeline. I can not live eat or survive without the money I receive from SS & SSI. On XXXX/XXXX I called the bank again because they placed a hold on both of my accts which totally put my into a panic since I was already dealing with a state of emergency with XXXX XXXX and in a shelter unable to accesses my good funds. The representative apologized and was able to release the hold they put on my acct ending in XXXX and helped me open a new online banking password and ID. Then made sure and promised me that would not be touched again. And the bad acct ending in XXXX will be closed per my request. A banking institution could not ask for a better client as myself since I have protected them the whole way with these fraudulent funds and company that got to me. On XX/XX/XXXX when I was able to return home I needed gas and money for food and necessities my acct ending in XXXX again was blocked. I had to wait to call at XXXX and the girl said they had made a decision to close my acct and will eventually send me out a check in the mail for my balance of {$220.00} taking 7-10 days and sending back my SS & SSI checks to the government! This time frame is unacceptable! I needed money immediately as I was in a state of disaster from the hurricane and that was all the money I had in the world and {$0.00} cash in pocket. I have received no correspondence from the bank to help me or let me know they would do this to me, giving no other alternative to get my money from the bank. Also now I will be extremely delayed on getting any of my Social Security Checks to further live on for many weeks.

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