Truist Bank (formerly BB&T Bank) – Page 3

On 9/28/2023 I attempted to complete a wire transfer on behalf of my finance' business for $37,000. Upon attempting to complete this transfer I was advised that I needed to provide a statement from the bank that the check I initially deposited on 09/19/2023 had cleared. Mind you this check was held by Truist for 7 days per their statement that it was federal law. Now they are saying they want proof of the check clearing. You can see in the account that my other bank cleared the check and if they had questions at that time should have advised me over a week ago. So I go across the street to my other bank and get a statement signed by the bank personnel showing the check was cleared. Apparently, that was sufficient because as soon as I walked back in the teller has an attitude claiming that isn't sufficient and that they are declining the wire transfer and now there "back office" is review my account for fraud. When asked if there was someone I could talk to she says No that they don't talk to customers. Just very horrible and when I ask to talk to someone in branch I was not allowed to because they were all in a meeting. Told me I could come back the next day and speak with the branch manager.

Called the branch manager on 9/29/2023. She appeared to be friendly and wanting to help me but she didn't realize that she did not hang up her phone and that I could hear her whole conversation with her stay about me. Talk about rude and insensitive. They have no respect for their clients and don't care are attempt to help. They just there collecting pay checks. Whatever my reasons for transferring funds is none of their business. Now my account is frozen and under review with the fraud department. Now all my finances are tied up and they really don't care. She claimed I could bring in a copy of the cleared check but what good what that do. Seeming that as soon as you walk out the bank they are talking about you behind your back. They should be ashamed of themselves. If you want to go a step further, I truly believe this is racial profiling because of how I look and what I was wearing. You see a black person and automatically assume that the money is illegal in my accounts, new account or not. If anything my job with the FEDERAL Government is none of their business.

I paid my auto loan off in May and requested a refund of the remainder of the GAP insurance contract. When no refund was issued I contacted the dealer where the car and GAP contract were purchased. Here is the response:

wrote:

Good Morning,

"Truist sent us a letter in May to Cancel the GAP contract and send the reimbursement to them so they were able to refund you for the GAP.

The check was sent to Truist on May 30th and cashed by Truist on June 12th.

The check number is 49311 in the amount of $698.83 for your reference."

Karina Sanchez

Accounting Assistant

Earth MotorCars

Address:

3216 Kellway Dr. Carrollton Texas, 75006

Phone:

[protected] Ext: 412

I have two accounts with Truist which total $21,000. These accounts are never used and the money just sits there. I check the balance at least once per year. These accounts were originally in BB&T and I have held them for over a decade with no problems.

Upon checking my balance in September 2023, I noticed fraudulent charges on a debit card in one of my accounts. I don't use either of these accounts and have never used the debit card that Truist sent me when they merged BB&T. The company making the fraudulent charges is unknown to me and I have no relationship with them. I reported the fraud charges immediately but Truist has denied $89 of the charges because they occurred more than 60 days before I reported the problem. This policy requires the customer to be responsible for the safety of his money. Truist accepts no responsibility for the loss.

I'm an old man and have had many accounts and many banks in my day. Truist is the first bank to lose my money and then refuse to make it right. For all I know Truist employees are stealing money this way. How could anyone know the numbers of my unused debit card? Only an employee could have that access. I accuse Truist employees of stealing my money and giving me no way to recover it short of a law suit.

I only lost a small about of money and it could have been much worse. But I'm forced to pull my money from Truist and take my business elsewhere. I can not trust that Truist is able or even willing to safeguard my money. I've been told in no uncertain terms that my money is not going to be returned to me.

Be careful out there.

I have been going back & fourth with Truist bank teammates, main branch, fraud department, headquarters by phone, online banking, and emailed them proof of all documentation of the fraudulent check which does not have my signature, hold on fund’s statements &closed account showing no one could withdraw funds, and overdraft statements which was impossible to acquired overdrafts on funds that did not exist since July 11, 2023 until 9/6/23. My account was not in the negative from day one July 11, 2023. I have continuously ask that they please clear my name, and stop threatening to ruin my credit. No one from Trust has responded or even attempted to show the proof I requested on 9/5/23. 9/5/23 I get another overdraft notice, now it’s 3 different amounts $760/ $36 overdraft, then $740.73, now it’s $739/overdraft $108 as of today. Will be checking my credit for inaccurate information. Seeing that there is no response from Truist and no proof produced you must retract this immediately. Will be expecting Truist Bank contact me soon. 9/7/23

20 min wait to spek to Account Security for fraudulent charges; the rep took 30 min jumping back& forth between two slow running systems to cancel the card, then says I must call the Dispute Center. The operator there said she can do nothing since the charges are pending, it's MY job to check the status and call back -so why was I sent there?

INCOMPETENCE.

TRUIST tells us to report fraudulent activity IMMEDIATELY and then you do it as soon as you notice it but tell you they can’t help you because it’s pending and they have to let the FRAUDULENT charge go through first.

So why exactly are you telling us to report it immediately if there is nothing you can do to help ? ILL TELL YOU WHY. Because they make money off all the over draft charges you get hit with from the FRAUDULENT charge that took your bank account negative. So of course they want the charge to go through so they get 35x7 ! TRUIST IS THE WORST BANK EVER!

Fraudulent overdraft charges on a fraudulent check that I am being accused of depositing, could not upload documents for proof below occurrence of event stated below, having trouble uploading documentation , will try to upload event & proof with photos below. I am dealing with health issues and is in pain I am not able to rewrite the whole event over again, but it can be viewed under “Knowingly as a Review” Thank you.

I received a BB&T Visa gift card in March 2020 that I never had activated or used with a "good thru" date on the front of the card of 12/26. I decided to use it recently and called to activate it. I was told that it had been "closed". When I called cardholder services I was told that a $3.00 month charge was assessed after 12 months of dormancy. On the paperwork with the card it clearly shows that the monthly maintenance fee would only start to be charged after activation. I complained that I never activated or used the card especially since the front of the card showed a "good thru" date of 12/26 and was told that the card activation date was the date it was purchased I don't understand how activation can be considered to be the date when the debit "gift" card was purchased when it appears to indicate that "activation" on my part was required for the card to be used at all.

I would like for BB&T (now Truist) to issue a new debit card in the amount of $50. I am enclosing a jpg scans of the information I was given at the time I received the card. Please take note of the 2nd jpg under the heading of "FEES" that shows the maintenance charges would be started "after activation"

I filed a claim for close to 4000.00 in fraud on my credit card no one has contacted me since June 29, 2023 Truist is reporting this fraudulent balance to the credit bureau's now i cant even rent a house. I have called multiple times with promise of a called back to get this resolved. This is effecting my life as of 30 days ago I in position to buy a home now my scores have dipped below 550 with this credit being the unresolved issue

I can be reached at [protected] or [protected]@gmail.com

On July 11,2023 got call from aCash Express Loan Company approved for a $5,000 loan, ask for banking information to deposit funds, the Loan Officer calls back says $760 was deposited and I need to send him back the funds to make sure the account is real. Immediately calls Truist Bank inform them of possible fraud, (Truist had put a hold on $225 of the $760 to be released 7-13-23 and then a hold on the whole amount of $760 to be released on 7-20-23. Truist connects me to Fraud Department on 7-13-23 gave them all the information in return they start accusing me of depositing the check, I ask to see the check, they refuse. I went down to Broadway local branch and they gave me a copy of the check. The Loan Officer calls back again threatening to have his company to call Truist, I told him” go right ahead.” Calls USAA Federal Savings Bank & JP Morgan Chase Bank had them run the check and account number said they could not pull account and when I ask why is their two different financial institutions on the check they informed me that USAA draws their check off JP Morgan. Talks to Main Branch, Fraud Department, and online teammates which all claim they try to determine if the check is good or not. Around 7-15-23 I call’s Headquarters and talk to Supervisor GeGe only one at this facility ask questions and informs me that the check is not real and the account was closed, a return check fee had been applied to my account which in turn caused an overdraft of $5.72 after deducting the $12.00 return check fee and reversing the overdraft fee. A $5.00 deposit through Zelle was returned so this left a balance of $.72, went to local Broadway branch on 7-25-23 to pay the $.72 cents, was informed the balance was already $0.00. The Fraud Department was still claiming they still trying to determine if the check is real and accusing me of depositing the check. Truist sends a overdraft statement dated 7-14-23 stating(total amount of items paid $760.00) & (total overdraft fee of $36.00), how did Truist pay out $760 from an account that had a hold on funds and then closed for there to be an overdraft, no money could be withdrawn from the account. Now as of 8-15-23 Truist sends another overdraft statement claiming the same account is overdraft -$740.73. Where is these overdraft amounts coming from when it was impossible to withdraw money from the account with a hold on funds then closed? So if the check is not real Why would a bank pay out funds on a check that they know to be not real and who would they pay it to? How would anyone know that USAA draws their checks off JP Morgan if they was not affiliated with a bank. Sounds strange to me. I had to change all my auto pay for bills and I have ask them to clear my name from multiple people at Truist accusing me of depositing a Fraudulent check and threatening to put this on my credit reports. I did not deposit the check and my signature is not on the back of the check.

Who is accountable at Truist? Who supervises and do they care about how

poor customer service is?

We have a digital check machine from Suntrust (before the merger that was a big mistake). Recently, I requested to add an account from a separate company.

I requested this on 8/14 have received numerous "dead end" emails that go back and forth with no resolution, spent 2 hours on the phone yesterday speaking to several different folks from Merchant Services and Treasury, and was hung up on by one lady in Treasury. I ask again - WHO IS SUPERVISING THESE EMPLOYEES?

In March 2023 while on vacation my husband's debit card was scammed. He handed his card to an official looking individual (uniformed and name tag). It was for a service and was a small nominal fee (individual told my husband he had no cash so he must use a card to pay). The individual took the debit card swiped it and told my husband it didn't work. He then asked for another card (this card was a credit card). About 10 mins later my husband overheard another couple on our tour discussing being scammed. He looked and his debit card did work and had been charged about 400 times the nominal fee which was told to him. He immediately called the Bank to stop the transaction and report the fraud. They told him the card was blocked and the transaction had to go thru and then they would fix it. This is mid-August 2023 and he is now being told because it was a debit card and he handed it to the individual we will not get our money back. My husband has banked with SunTrust/Truist for over 40 years and this is how he is treated? This is horrible treatment. We have additional info and supporting documentation if needed.

I am traveling to Paris, France on the 13th. The charge for the apartment I rented through VRBO. The company attempting to charge is Paris Autreme. I contacted the Truist Fraud Department to verify that the transaction was valid. I was told the hold would be removed as it is a valid transaction and the charge would be accepted. This took 20 minutes. It was not. I had to go through this process again which as required 90 minutes of my time with no success as yet. I have banked with the iterations of Truist for 40 years. I was a member of the Private Banking group. I will be changing banks as soon as I return from this trip. The charge has yet to go through. This is unacceptable.

I paid off deceased fathers car. Gave them original death certificate and payoff figure March 27,2023. I was told I would receive auto title in mail approximately 3 to 4 weeks.

On April 12th called Truist Bank I was told electronic title was released on April 6th.

I called PA department of transportation on April 24th and was told the Lein was not released. I called Truist Bank again they responded with The bank is backlogged. I was on phone for forty minutes. On May 18, I was on phone again with Truist Bank for forty minutes (with employees child crying in background). I told her I wanted a supervisor. Supervisor said I had to contact closed Auto Account Dept But they do not have a phone # only a fax number. So I take another death certificate, the receipt from Truist Bank showing the payoff to my local branch, which were the only helpful people in this transaction, they fax my information which I have already given to bank. On May 22 I received a letter saying loan was satisfied BUT no title to the car. I call PA department of transportation and the loan has not been electronically released. So needless to say the bank has yet to do their job.

NOW I go to an Auto Tag facility who charges me $86.00 to claim lost title BUT PA department of transportation claim the title is not lost. Truist Bank has not electronically released the lein. With help from auto tag company I did receive the title on July 27th. I waited 4 months and paid $86.00 and many hours on the phone with untrained personnel working from home unable to reach any supervisors, for a paper that should have taken 3 to 4 weeks and been totally free.

My husband and I have been banking with BB&T(nowTruist) for 20 yrs or more. Maybe once every 2 years we have an issue come up with a fraud attempt or a fraudulent purchase on our account and its was easily resolved. May 30th 2023 we had alerts from Truist about possible fraudulent purchases. My husband contacted them immediately. They fixed the problem right away. It was over $1000. Six purchases to Target, one to dicks sporting goods, one to Lowes, and one to Walmart. A week later we got a letter saying the Lowes purchase and the Walmart purchase wasnt fraudulent bc the merchants said so. That they were going to take $774 out of our account. And they did within 3 days.These purchases were made on line with my husband work email and his bank card but checked out under guest. These purchases were made /and picked up 2 1/2 hours from where we live. At this time we were on vacation at the beach(which makes it 3 1/2 hours).Our bank cards show we were at the beach. I even purchased tickets to pirates voyage online (with same card)around the same time all the fraudulent purchases were made.(but we werent contacted until the day after)This was all discussed with 4 fraud people and a Fraud supervisor. We even had a second review which is a joke bc they just say the same thing-The merchant said it wasnt fraudulent so its not fraudulent. So I guess now anyone can hack your card and use it and if the merchant says its not fraud then you are out of luck. The fraud department should be able to look at the whole picture- locate IP addresses, all the other purchases locations to determine we were not in the same place etc. We will be finding another bank. This bank doesnt protect or stand up for their clients. The fraud department needs some major training. A lot of wasted hours on the phone. I do not trust Truist. $774 might not be a lot to some but it is to us.

Horrible experience, I have been waiting 6 weeks for the lien release for my car.

this has cost me time 8 phone calls! Money because now the car is worth less and I'm still paying insurance on it! Their customer service is beyond horrible and the staff is not knowledgeable at all. I was told by 5 different people that it went out to New York State Dept of Motor Vehicles Well folks nys dmv does not hold electronic titles!

Spoke to a witch names Joy, that's rich a witch with a name Joy! Condesending and outright rude. How she has a job in customer service ? Listen to the recorded call. I am in the car business and will never recommend this bank to anyone, even someone I don't care for!

Good Riddance!

Even this trying to write a comment is a nightmare! Can't use capital letters? the abbreviation for new york state is ? nys

Run do not walk Run and never look back