Consumer complaint received 2026-03-07 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: FL

Complaint narrative:
I previously opened a complaint ( XXXX ) with the CFPB however a sham investigation was completed by my bank. Details below. I am submitting this update to my complaint because the response provided by Truist Bank to the CFPB does not accurately reflect the dispute I have repeatedly reported and documented. The letter from Truist dated XX/XX/XXXX states that I only disputed {$39.00} and that the bank issued a credit of {$40.00}, along with a provisional credit of {$20.00} on XX/XX/XXXX. This statement is incorrect and does not reflect the numerous XXXX transactions that I have reported to Truist over an extended period of time. After carefully reviewing my account history and compiling the transactions, the total amount of fraudulent XXXX charges across my XXXX Truist accounts is {$1900.00}. Specifically, my Truist account ending in XXXX reflects approximately {$1000.00} in unauthorized charges, and my Truist account ending in XXXX reflects approximately {$940.00} in unauthorized charges. These fraudulent charges span multiple dates and were processed through merchants associated with XXXX. These charges were not authorized by me. For months I have made extensive efforts to resolve this matter directly with Truist. I have spent several hours on the phone with XXXX XXXX XXXX on multiple occasions and have also visited my local Truist branch in person. During these visits, a bank XXXX assisted me and submitted the required statements and documentation on my behalf multiple times. Despite these repeated reports and submissions, Truists response to the CFPB references only a small amount that does not reflect the actual dispute and therefore does not represent a meaningful or complete investigation of the fraud that has occurred on my accounts. In addition, since filing my complaint with the CFPB, my Truist account ending in XXXX continues to be charged fraudulently by XXXX even after I replaced my debit cards. I have repeatedly requested that Truist block XXXX from charging my account because I no longer use the service and due to the ongoing XXXX activity associated with it. While my Truist account ending in XXXX is no longer receiving XXXX charges, the account ending in XXXX continues to receive these XXXX transactions. It is not my responsibility that Truist has incorrect or incomplete records of what has been disputed after the numerous phone calls, branch visits, and documentation that have already been provided. The response sent to the CFPB fails to address the full scope of the fraudulent activity and appears to reflect an inadequate or superficial investigation. To assist with a proper review of this matter, I will be including the Truist response letter dated XX/XX/XXXX, along with a detailed transaction list identifying the unauthorized charges totaling {$1900.00} across both accounts. At this point I am requesting that the CFPB require Truist to conduct a full and accurate investigation of all unauthorized transactions, immediately stop XXXX charges from posting to my account ending in XXXX, and credit my accounts for the full amount of fraudulent charges. If this matter is not resolved promptly, I will also be filing a police report regarding the fraudulent activity and will consider pursuing further legal action. I am requesting immediate assistance to ensure that the fraudulent activity stops and that my accounts are properly credited for the unauthorized charges. Listing of Fraud TransactionsXXXX XXXX XXXX XXXX Truist Bank Account ending in XXXX -Total XXXX Charges on XXXX Account : {$940.00} Transaction List Fraud Charges Date Description Amount XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$31.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$17.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$20.00} XX/XX/XXXX XXXX XXXX - {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX XXXX XXXX - {$12.00} XX/XX/XXXX XXXX XXXX - {$1.00} XX/XX/XXXX XXXX XXXX - {$15.00} XX/XX/XXXX XXXX XXXX - {$18.00} XX/XX/XXXX XXXX XXXX - {$15.00} XX/XX/XXXX XXXX XXXX - {$13.00} XX/XX/XXXX XXXX XXXX - {$18.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$22.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$24.00} XX/XX/XXXX XXXX XXXX - {$19.00} XX/XX/XXXX XXXX XXXX - {$25.00} XX/XX/XXXX XXXX XXXX - {$24.00} XX/XX/XXXX XXXX XXXX - {$30.00} XX/XX/XXXX XXXX XXXX - {$15.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$31.00} XX/XX/XXXX XXXX XXXX - {$1.00} XX/XX/XXXX XXXX XXXX - {$34.00} XX/XX/XXXX XXXX XXXX - {$29.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$21.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$17.00} XX/XX/XXXX XXXX XXXX - {$26.00} XX/XX/XXXX XXXX XXXX - {$28.00} XX/XX/XXXX XXXX XXXX - {$17.00} XX/XX/XXXX XXXX XXXX - {$26.00} XX/XX/XXXX XXXX XXXX - {$21.00} XX/XX/XXXX XXXX XXXX - {$33.00} ________________________________________ Total of All Charges Total Charges : {$940.00} XXXX XXXX XXXX XXXX Truist Bank Account XXXX XXXX XXXX -Total Fraud Charges on XXXX account as of XX/XX/XXXX : {$1000.00} Transaction List/Fraud Charges Date Description Amount XX/XX/XXXX XXXX XXXX - {$24.00} XX/XX/XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$5.00} XX/XX/XXXX XXXX XXXX - {$22.00} XX/XX/XXXX XXXX - {$13.00} XX/XX/XXXX XXXX XXXX - {$15.00} XX/XX/XXXX XXXX XXXX - {$15.00} XX/XX/XXXX XXXX - {$15.00} XX/XX/XXXX XXXX - {$10.00} XX/XX/XXXX XXXX XXXX - {$27.00} XX/XX/XXXX Debit Card XXXX + {$9.00} XX/XX/XXXX XXXX XXXX - {$26.00} XX/XX/XXXX XXXX XXXX - {$96.00} XX/XX/XXXX XXXX XXXX - {$9.00} XX/XX/XXXX XXXX - {$10.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$26.00} XX/XX/XXXX XXXX XXXX - {$13.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$19.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$22.00} XX/XX/XXXX XXXX XXXX - {$19.00} XX/XX/XXXX XXXX XXXX - {$19.00} XX/XX/XXXX XXXX XXXX - {$17.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX - {$96.00} XX/XX/XXXX XXXX XXXX - {$33.00} XX/XX/XXXX XXXX XXXX - {$18.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$23.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$14.00} XX/XX/XXXX XXXX XXXX - {$9.00} XX/XX/XXXX XXXX XXXX - {$20.00} XX/XX/XXXX XXXX XXXX - {$16.00} XX/XX/XXXX XXXX XXXX - {$9.00} XX/XX/XXXX XXXX XXXX - {$15.00} XX/XX/XXXX XXXX XXXX - {$15.00} XX/XX/XXXX XXXX XXXX - {$25.00} XX/XX/XXXX XXXX XXXX - {$9.00} XX/XX/XXXX XXXX XXXX - {$13.00} ________________________________________ Totals Total Charges ( all negatives ) : {$1000.00} Minus Debit Return : + {$9.00} Final Net Fraud : {$1000.00}

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