Checking or savings account -- Managing an account -- Complaint #4665187
Complaint Overview
Complaint ID: 4665187
Company: Truist Financial Corporation
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Banking errors
State: Connecticut
ZIP Code: 06320
Date Received: 2021-08-26T12:00:00-05:00
Date Sent to Company: 2021-08-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Prior CFPB complaint marked as duplicate to avoid addressing error in funds availability of a mobile check deposit, the amount of {$4200.00} made on or around XX/XX/2018 to Suntrust checking, now Truist Bank. For whatever reason, Truist Bank did not provide prior reply to CFPB, claims to have sent it directly to me, to avoid the CFPB and posting it on portal .... The CFPB might want to investigate this behavior. It appears Suntrust rep ( s ) made an error in releasing full funds from mobile deposit made on XX/XX/2018, funds were made available on XX/XX/2018, did not verify availability with XXXX XXXX prior. The check had a stop payment placed on it, unknown to me at the time. The account later became overdrawn as a result, the amount of which is unavailable to me at this time, account was sent to several collection agencies, sent back to Suntrust. Most recently, XXXX XXXX XXXX attempted to collect on debt, referred account again back to Truist Bank. As stated before, Suntrust reps made an error in releasing funds, did not verify prior, now attempting to collect funds from myself. This appears to be their own error, I refuse to pay for. Also, XXXX XXXX has not reimbursed me to date for funds owed, the amount of {$4200.00}.
Frequently Asked Questions
What is Complaint #4665187 about?
Complaint #4665187 was filed against Truist Financial Corporation regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-08-26T12:00:00-05:00.
How did Truist Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Truist Financial Corporation?
Yes, visit the Truist Financial Corporation company profile at readthecomplaint.com/company/truist-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.