Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Im requesting a formal investigation regarding a forced transaction of {$830.00} that caused my joint account to show a negative balance. Here is the accurate timeline : On XXXX I transferred about {$600.00} from XXXX to the account and paid {$250.00} for the car, leaving the rest. 
On XXXX, I added another {$150.00}. 
XXXX XXXX, I transferred more funds since XXXX doesnt pay on XXXX, and I used part of that for expenses. 
On XXXX XXXX XXXX XXXXXX/XX/XXXX ), I received a deposit from XXXX, and after adding everything together, I had over {$830.00}, which I withdrew from the ATM that same day. 
On XXXX XXXX XXXX XXXX XXXX XXXX made an additional {$800.00} deposit, which is normal as part of their weekly adjustments. 

Despite all of this, Truist reversed the {$830.00} almost 3 days later, claiming it was unauthorized, but there were clearly enough funds at the time. They only forced the reversal after the money had been deposited and used. 

When I contacted customer service, each representative gave me a different explanation : XXXX said it was a retail credit card, which Ive never had. 
Another said there was nothing in the system. 
The last one claimed it was because of the {$830.00} withdrawal, but she said she couldnt see the {$800.00} deposit from XXXX, only the XXXX XXXX. 

She also refused to listen when I tried to explain the situation with all the transactions. I even had the receipt in hand and offered to go over everything, but she said, I dont need to know that, and refused to escalate or file a dispute. 

Also, when Truist forced the {$830.00} back into the account, there was still around {$100.00} available, which they used to cover part of it, leaving the account negative by {$710.00}, which has now grown to {$750.00}. That proves the funds were there and the transaction wasnt invalid. 

I discovered that my name was added to the XXXX XXXX XXXX XXXX XXXX  ) system XXXX days after my account went negative. The bank refused to dispute this issue. Because of this, I have now been reported to XXXX and recently found out that my name was added to their system. As a result, I was denied the ability to open a new bank account. This happened just XXXX days after the withdrawal, and I did not receive any prior notice or explanation. 

Also, I would like to note that my husband is currently facing a similar unresolved issue with his own Truist account. We have already filed a formal complaint with the CFPB and are waiting for a resolution. The fact that both of us are experiencing serious issues with different accounts raises concerns about how Truist is handling customer transactions and complaints. 


We simply want our money back, the account cleared, and the XXXX report removed so we can close it. 

Ive already submitted screenshots, receipts, and everything needed to prove my case. This has caused financial damage, and I need it resolved quickly and fairly.

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