Q: Locked out of checking and CD account by Truist Bank due to fraudulent check.

A: It must be incredibly frustrating to have your accounts locked, especially when you're relying on those funds for daily needs. The first thing you should do is contact Truist Bank directly and request a meeting or phone call with someone who can provide immediate assistance. Explain your situation, emphasizing your need for access to your funds for essentials like food. Make sure they know how urgent it is. If the issue is tied to a fraudulent check, they may be able to give you a temporary allowance or partial access to your funds while they investigate further.

If you're not able to get a clear answer or swift action from Truist, consider reaching out to your local branch in Danville and asking to speak with a branch manager. Sometimes, speaking to someone in person can lead to quicker resolutions. Additionally, you could inquire about any emergency fund access programs they might offer for situations like yours. If the investigation is taking too long and you're struggling financially, they may have a way to provide you with temporary help.

Lastly, if you're unable to resolve this directly with the bank, consider reaching out to consumer protection agencies, such as the Consumer Financial Protection Bureau (CFPB) or your state’s banking commissioner. They may be able to intervene or at least give you guidance on how to proceed. In the meantime, try to gather all necessary documents to support your claim, including any communication with your friend and the company that issued the check.