Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
October 7/ 2024 I mobile deposited a check into Truist Bank checkings accounts and they put a hold on the account. The check was for {$230.00}. with supposedly a 2 day hold. On XXXX I checked my account only to notice a hold on the check until XXXX.. When i found that out i immediately got in contact with Truist, who told me that it was just a regular Fraud check. Furthermore once everything was said and done i waited. Couple days later on XXXX i checked same results. From XXXX XXXX  - XXXX XXXX XXXX  I was constantly calling Truist to check on the updates of my account. During this whole time all ive gotten was the run around, ive been lied to and after speaking with multiple Truist Representatives and Truist Fraud Representatives i realized they had me go do extra steps that was the necessary.. Causing me to wait even longer for my money. The money has been put into the account & they put a hold on my whole account Friday XX/XX/year>. On that same day i was told a request would be put into to my checks issuer and the bank to verify my funds. Today is XXXX XXXX  still no update. NOBODY from TRUIST has called me since i missed an update call on the XXXX. Not to mention the investigator or analyst only called me one time, not bothering to call a second time. Today i also realized that during these 48 hours, even though ive escalated this situation multiple times throughout this whole situation she only decided to try to help me once one Monday, XX/XX/XXXX XXXX and she really didnt help me at all considering she tried to reach out to the necessary parties one time .. with the necessary parties including me.. Throughout this WHOLE ordeal ive been without much needed funds as the area i live XXXX XXXXXXXX XXXX XXXX in was impacted by Hurricane Helene .. Now ive been told, just because of the analyst not really trying to help me the want me to wait an additional 3-5 business days on top on the 11 days ive already waited. Im a out of town XXXX and work XXXX hrs away from my home. My truist account is all i have considering all my work funds go towards rebuilding life back home. The money is in the account and i know Truist has their money from said check .. but their are making me jump through yet ANOTHER hoop when the money is there and hasnt yet been denied or pronounced fraudulent by the issuing company or issuing bank. Personally ive done my research and seen it doesnt take a bank that FDIC insured 11 days to figure out if a check is fraudulent. Ive even given them the contact info of Bank Managers, a Bank Worker & the issuer of my check and they still dont want to give me access to my funds. After this 48 Hr period i was suppose to get my final decision from Truist on whether they would close my account and send the check back or give me access back, they have done neither nor given me any update worth having. NOBODY has a time limit for anything so im basically a sitting duck at their disposal. Only for a XXXX $ check.

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