Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank 1. I deposited 2 checks. 1 on XX/XX/XXXX in the amount of $ XXXX and XXXX on XX/XX/XXXX in the amount of $ XXXX. Of the two deposit, Truist held over XXXX XXXXXXXX of my money. 
XXXX. On XX/XX/XXXX, I called the bank and demanded the release of my funds and offered to get them in touch with the accountant and owner of the company I work with as either could have provided evidence that the funds were there and available to me. The checks were for services I have provided over the past year and is 100 % mine. I gave more than sufficient time for the hold to be removed before even making this call. 
XXXX. During the call, Truist continually told me they could not help and that the funds may not be available until right at of after XXXX. I have bills and kids that needs XXXX presents and could not wait. I demanded to speak to a higher up and was blocked fully. 
XXXX. I finally got frustrated enough and threatened to come to the bank with firepower, not to steal money but to get what was rightly mine that I had already worked and earned. At this time, I was placed in touch with an area branch manager. She called me and had to leave from somewhere to go to the bank which you could hear the frustration in her voice. She tried to reprimand me for my actions but I would not allow it as I did not see the reason in Truist 's actions as a whole.

5. She arrived at the bank and released my money. At the same time, she called the law and reported me for terroristic threats and told law enforcement that the bank was on lock down due to my verbal threats which is not the case if you do a few quick searches. The bank was never on lockdown. 
XXXX. Truist then chose to notify me of my account closure after they were notified of the warrant released for my arrest. They said I had until XX/XX/XXXX to access and withdraw my money. 
XXXX. They withdrew the access to my money ( over {$20000.00} ) on XXXX XXXX and I have yet to receive or be able to gain access. 
XXXX. They would not speak to my wife who is joint on one account with me. And they would not speak with my mother who is joint on the other account with me. 
XXXX. I have been a customer for nearly 30 years before Truist even existed and this is not the way customers should be treated and until this event they had never had a single issue from me.

10. This is first step towards many lawsuits to come towards Truist.

11. Lawsuits to be : 1 ) Corporate Retaliation against customer, 2 ) Reverse Racism, 3 ) Emotional Damage caused by their retaliation, 4 ) Personal lawsuit against the area branch manager intended for me to recoup the personal damages that she has caused me. 
XXXX. This all could have been avoided with simple training and notification as should be highly necessary and regulated in the banking world.

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 non-monetary relief