Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
complaint Against Truist Bank Improper Account Closure, Failure to Document Fraud and discrimination Disclosure Date of Incident : XX/XX/XXXX, XXXX : XXXX XXXX XXXX, XXXX, PA I am filing this complaint regarding the improper handling of a fraudulent check situation and the subsequent closure of my bank account by Truist Bank XXXX On XX/XX/year>, I went into the Truist branch located at XXXX XXXX XXXX in XXXX to deposit a check in to my account name XXXX XXXX I had received from a buyer related to the selling of a car i own. Before depositing the check, I ask bank representative to speak to a manager the representative told me there is no manager he would take care of whatever I needed done. I then told him i was I received a payment by check and was unsure whether the check was legitimate or not and that I had never received payment by check before and that I would like him to verify and make sure it was and that he documents that I told him this so I wouldnt have any further trouble with the check and my account.i explicitly requested guidance and expressed concern that the check could be fraudulent. He refused my initial request to speak with a manager and instead told me that he would take care of it. Based on this representation, I proceeded with the deposit under the belief that the situation would be properly handled and documented by the bank. Immediately after leaving the branch, I contacted Truists corporate customer service line to report the same concerns again, making it clear that I I wasnt sure if the check might be fraudulent. This call should be on record and serves as further evidence of my good faith effort to prevent fraud. I did not withdraw or attempt to use any funds from this check. Despite my proactive disclosure both in person and through corporate channels, my account was later closed. I have since spoken with that representative again, and he admitted that he did not document any of the information I provided and stated that it was not his job to do so This failure to document my fraud concern directly contributed to the mishandling of my account and the decision to close it. I believe Truist Banks actions may violate my rights under the Fair Credit Reporting Act ( FCRA ) if any inaccurate or misleading information regarding fraud or account abuse has been reported to consumer reporting agencies. I also believe that I have been disseminated against because I was treated as if I was lying from the beginning because XXXX XXXX XXXX XXXX I believe if a white person walked in the bank and did that exact same thing I did the outcome would have been different and his account would be open and he wouldnt have been accused of fraud I acted in good faith, disclosed my concerns in advance, and took reasonable steps to prevent fraudulent activity. Additionally, the banks failure to properly document a known fraud concern and reliance on incomplete or inaccurate internal records raises serious concerns regarding unfair or deceptive practices, which fall under the authority of the Consumer Financial Protection Bureau. I also filled a advert action letter to Truist bank and they didnt respond I acted responsibly and in good faith at every step. I am requesting that this matter be corrected and that my banking record not be negatively impacted due to the banks failure to properly handle my disclosure. Sincerely, \n XXXX XXXX XXXX XXXX XXXX XXXX

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