Time comes around for me to deposit my first check, and they held it without me having access to my money for 14 days. The representative told me that it was fine, and I would still qualify. When I opened it I called Truist to verify that I would still qualify for the promotion even though my job only gives paper checks and not direct deposit. I opened it using a promotion that I would receive a $400 bonus after 90 days. I opened a new checking account in January of 2023. To start off, I am a single mother who receives no support. Thank you for your prompt attention to this matter. For resolution I would like the fee voided from my account not just a credited they can hold against me later as the charge should never have happened. This is not acceptable and fraudulent behavior. Meaning they know about the issue and don't care to address the systematic problems, but would rather continue to collect fees for transactions they never process. I specifically transferred funds to cover all the transactions that would be hard posting prior to close of business on 5/8/23.Upon contacting Truist customer care they basically said they were not going to help and that this happens all the time. There was one outstanding pending charge that would overdraft my account if it ever posted but was a mistake that another company made that would in fact never post but drop off in a few days. At the time of the fee was posted my account had enough funds to cover all charges.

On 5/9 Truist charge me a NSF fee based on a pending transaction that was fraudulently run twice from another business(**********). I made a new police report in my county ********* and advised the bank., as advised by Baltimore ************** Through all of this I have had to initiate all communication. 5/6/23 I speak with the bank manager again and he filed a complaint on behalf, against the fraud department and said he would contact me no later than Tuesday 5/9/23. 5/3/23 I filed a police report in the county the fraud happened in and emailed this to the bank's fraud department. 4/28/23 - 5/2/23 I continue calling their fraud claims line to have my claim escalated a third time. Obviously, it wasn't stolen, it was skimmed and cloned, unbeknownst to me at the time and I reported this on 4/21/23 and had the ************** opened on 4/22/23 when the debits posted. 4/27/23 still no refund and I find out my claim was denied for the second time because 'I didn't report it lost or stolen'. So, we made a new claim/resubmitted the claim. Which was impossible because mine was deactivated, and temporary cards do not have chips. The manager called and they denied the claim because they said the withdrawals were done with a chipped card. I then went to the local branch to speak with the manager. 4/25/23 I called the fraud line and found out my claim was denied but they wouldn't explain why. 4/22/23 I started the fraud claim, as the transactions had posted.

I was unable to make the fraud claim then, because the transactions were 'pending'. 4/21/23 I noticed the withdrawals and immediately went to my local branch, where they deactivated the temporary card and issued me a second temporary card. On 4/20/23 while waiting for my new chipped card, someone used my temporary card to make 3 out of network atm withdrawals about ***** minutes from my house, totaling $803.00 not including fees and over drafts. The bank caught this and deactivated the card and issued me a temporary card on 4/15. On or about 4/14/23 someone tried to make an unauthorized purchase of $250.00 with my chipped debit card.

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