Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Hi Im writing to You about a huge problem that I have with my Bank ( Truist Bank ). On the night of XX/XX/XXXX I had an Fraudulent and unauthorized check mobile deposited into my checking account ending in XXXX in the amount of {$1800.00} but the thing is they deposited the same check twice totaling {$3700.00}. There should have been immediate hold on these deposits but there was not Truist excepted these deposits and the scammers withdrew the money that same night. I never got an alert or anything asking if it was me depositing this check! The next morning which was the XXXX I was at my branch first thing to see what the heck was going on I met with the personal banker who pulled up my account to see what happened. He printed out the check so I could see it and it looked like a kid had made the check, and I was flabbergasted The check had some moving companies name also some name scribbled at the bottom. It had my name typed small and neat but it gets interesting because it had {$1800.00} in the box beside my name but the line under that it had the amount wrote out as {$770.00} and was waiting on the deposits to just fall off of my account it should have been a wash. I went to the police station to file a police report.on XXXX the XXXX I went back to the branch to get the papers Notarized and faxed to the fraud department. I filed 6 claims and only one was deemed valid and the others were denied and the only reason they would give me is that I used the funds.i reach out to them asking what did they mean I used the funds. I make Some charges for {$26.00}, {$11.00}, {$270.00}, and {$9.00} and I said I didnt make charges but that those were my bills that come out of my account every month.The {$26.00} was gas at XXXX, the {$11.00} was my apple bill, and the {$270.00} was my car insurance. I also deposited {$310.00} to cover those charges. Before this Fraud happened on my account I had {$34.00} in my account and I deposited the {$310.00} to cover my charges before this horrific bs happened. So with the $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$30.00} I had the money to cover my bills that were coming out of my account until this Fraudulent activity happened and yes it should have been a wash. So me using the funds made no since. I wouldnt be going this hard if I know I did something wrong but BECAUSE I DIDNT I should get my money refunded. I get XXXX in the amount of XXXX on XXXX of every month but still they took my entire check this is what I live off of a fixed income but they didnt care about that and would barely listen to me! One other thing on XXXX the personal banker was trying to help me figure out what happened with my car payment because I know I made that payment it even showed on my bank statement that it posted when I inquired about it he was like it never returned to TRUIST so he filed a claim for the {$490.00} and they credited it back to the XXXX account but because it was overdrawn they took that payment also. XXXXm not trying to get rich here and I think the correct resolution would be to refund my money which is {$1600.00} because I cant work because of my XXXX and this the only money I receive so Im pleading that you please help me. Im behind on all my bills because of this mess. I explained to the fraud department that I didnt use the funds but my bills I did pay. I explained that I could see if I bought a XXXX Tv or something extravagant but I didnt and I never would have please all I need is my XXXX check and my car payment refunded No more or no less because this is wrong on so many levels. TRUIST is in charge of my money although its not much but its mine. I reached out to the fraud department once more time on XX/XX/XXXX but they didnt budge and standing hard on I used the funds! Thank you so very much XXXX XXXX XXXX My Name is XXXX XXXX and XXXX writing You about a huge problem that I had with my Bank ( Truist Bank ). On the night of XX/XX/XXXX I had an Fraudulent and unauthorized check mobile deposited into my checking account ending in XXXX in the amount of {$1800.00} but the thing is they deposited the same check twice totaling {$3700.00}. There should of been immediate hold on these deposits but there was not Truist excepted these deposits and the scammers withdrew the money that same night. I never got an alert or anything asking if it was me depositing this check! The next morning which was the XXXX I was at my branch first thing to see what the heck was going on I met with the personal banker who pulled up my account to see what happened. He printed out the check so I could see it and it looked like a kid had made the check. I filed a claim and was waiting on the deposits to just fall off of my account it should have been a wash. I went to the police station to file a police report. I went back to the branch to get the papers Notarized and faxed to the fraud department. I filed 6 claims and only one was deemed valid and the others were denied and the only reason they would give me is that I used the XXXXunds.i reach out to them asking what did they mean I used the funds. They did did I make Somme charges for {$26.00}, {$11.00}, {$270.00}, and {$9.00} and I said I didnt make charges but that those were my bills that come out of my account every month.The {$26.00} was gas at spine, the? {$11.00} was my apple bill, and the {$270.00} was my car insurance. I also deposited {$310.00} to cover those charges. Before this Fraud happened on my account I had {$34.00} in my account and I deposited the {$310.00} to cover my charges before this horrific bs happened. So with the $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$30.00} I had the money to cover my bills that were coming out of my account until this Fraudulent activity happened and yes it should have been a wash. So me using the funds make no since. I wouldnt be going this hard if I know I did something wrong but BECAUSE I DIDNT I should get my money refunded. I get XXXX in the amount of XXXX and XX/XX/XXXX they took my entire check this is what I live off of a fixed income but they didnt care about and would barely listen to me! One other thing on XXXX the personal banker was trying to help me figure out what happened with my car payment because I know I made that payment it even showed on my bank statement that it posted when I inquired about it he was like it never returned to TRUIST so he filed a claim for the {$490.00} and they created it back to the XXXX account but because it was overdrawn they took that payment also. Im not trying to get rich here and I think the correct resolution would be to refund my money which is {$1600.00} because I cant work because of my XXXX and this the only money I receive so Im pleading that you please help me. Im behind on all my bills because of this mess. I explained to the fraud department that I didnt use the funds but my bills I did pay. I explained that I could see if I bought a XXXX Tv or something extravagant but I didnt and I never would have please all I need is my XXXX check and my car payment returned. Moore No less because this is wrong on so many levels. TRUIST is in charge of my money although its not much but its mine. I reached out to the fraud department one more time on XX/XX/XXXX but they didnt budge and standing hard on I used the funds! Thank you so very much.

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