Truist

I have had checking accounts for 40 years with zero problems. My credit rating is in the top 25% of Americans. I am never overdrawn on my bank accounts. I do not bounce checks.

This is a horrible bank. I opened an account online with Truist on a Wednesday and deposited $50. The next day my account was locked with a message that I needed to contact customer support. I called the number and after a long hold, they informed me that I needed to take two forms of ID to a local branch to verify who I was. Hmmm. The last two bank accounts I opened online didn't need in person IDs. On Thursday, I visited a local branch and presented two forms of ID to the bank manager. He types on his computer and makes a phone call that no one answers. He tells me there are conflicting messages on my account. One says do not unlock the account. The second message says unlock the account after he shows two forms of ID. The bank manager said no one was answering his emails to the company or his phone call. He photocopies my IDs and promises to call me as soon as he hears something. No call that day. I call on Friday and ask if he heard anything. He says no. I get 8 emails from the bank welcoming me to the bank and thanking me for choosing them.

On Monday I get a letter from Truist stating that my bank account has been closed and they did not need to give me a reason why. It said that if I had any questions about the closing I could visit a local branch with two forms of ID. Why did customer support tell me to visit a branch with two forms of ID, when they knew they were closing my account? That is so rude. I never heard back from the bank manager. I noticed there were no other customers in the local branch when I visited. Now I know why. I had to visit the bank a SECOND time again with TWO forms of ID just to get my $50 back. Before they would give me my money back, the man I talked to at the bank had to call Truist HQ to ask if it was ok to give me my own $50 back. Apparently they told him it was ok to give me my own money back. I was lied to three times. The first was when I was told that I only needed to show two forms of ID to confirm who I was. The second time was when the bank employee said he would call me. The third time was when the letter of bank account termination said I would receive a check containing my funds. I am still receiving emails from them welcoming me to the bank. I mark them as spam.

I had a great experience with Suntrust when I opened my business in 2003. Since Truist has taken over, it has been all downhill. I was on the phone with my Office Manager and one of our clients, as I was waiting for her deposit slip to be returned through the drive through tube. I received someone else's deposit slip and cash. I repeatedly tried to call the teller through the call button, but I couldn't reach her. I got out of my car and spoke to the driver next to me who said it was her money and deposit slip, but I wanted to verify that with the teller first. The other driver stated that she had tried to call the teller as well. Also, I arrived in the drive through lane first, but the customer next to me, who arrived afterwards, was taken before me. (I also brought that to the manager's attention later, and the teller said that the other customer was first).

The teller confirmed it was the other customer's deposit and cash, and I gave it to the customer and returned to my car. After waiting outside a total of 15 minutes trying to reach the teller in the lane where I was, I parked and went inside to speak with the manager. There was only one teller working, and three or four people waiting in line. The manager approached the teller to tell her to take my deposit of her checks. The teller said they weren't supposed to deposit them, but I made deposits in the last month and for close to 20 years. I am a Social Security Disability attorney, with attorneys on staff, so when we receive checks in those attorney's names, the checks are endorsed and deposited. SSA does not recognize a law firm, and, therefore, makes checks payable to the attorneys name rather than the firm's name. No problems until Truist took over from Suntrust.

The manager said he would accept the deposits this time, but that the attorneys would have to open accounts there in the future. I explained that the attorneys are salaried employees, and these checks are the firm's money, not the individual attorney. In another incident last year, I was told I would have to have the attorney(s) physically go to the bank with me in order for the bank to accept the deposits. I called an attorney from the bank once to make a deposit, and then filed a complaint. Whoever I told this too could not believe it and said this is not sustainable for a businessperson. There were no problems for@8 months until this afternoon.

After this, my assistant and I tried to reach someone at a corporate office number, but got outsourced overseas. A staff member spent at least 15 minutes looking for a US corporate office number. The Atlanta number went to a voicemail tree, and I was not able to reach a live person, and then called another number *******507) and got outsourced. I had to force the person who took the call to give a case #. I had a corporate email address from this happening last year. The response from the Vice President's Office did not resolve the problem just an apology stating I cannot deposit my firm's checks in employees names.

I have already moved some of the money out of Truist and into another bank, and will be moving more tomorrow. I use their payroll company, which will delay a quick transition.