Date Received: 2024-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Truist Mortgage, since XX/XX/XXXX, has continued to report an inaccurate payment for the month of XX/XX/XXXX, for my mortgage account for XXXX XXXX XXXX XXXX, XXXX, VA XXXX to all three credit bureaus. This information has stayed incorrect as recently as a XX/XX/XXXX, report from XXXX. I have attempted to remedy this issue with Truist, and several times, they have written that the information to the credit bureaus is correct as reported by them. I also challenged this misinformation with all three credit bureaus. In XX/XX/XXXX, the monthly amount I owed to Truist for this mortgage was {$2100.00}. I actually paid at total of {$2200.00} that month, albeit in XXXX separate payments, for which I have proof. To date, Truist continues to report an insufficient payment of just {$2000.00} which is not correct or accurate. This misstatement and misreporting of what I actually paid has damaged my credit and made it impossible for me to procure another mortgage loan at favorable terms. It also affects my job as I have a security clearance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2024-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-10
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: The process of transferring an XXXX to another bank took a XXXX to complete XXXX XXXX XXXX XXXX XXXX The bank also attempted to charge a {$50.00} fee for the transfer and was going to take it out of the XXXX itself. Truist has become an impossible bank to do business with and I have delt with them for XXXX years as an account holder and other business associations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I transferred money to my checking instead of my business checking account. To cover a purchase from my vender. Ok simple mistake I transferred money to the wrong account. I switched the money to my negative business checking right away. I called in immediately to get the fees waived. Three of them. At {$36.00} apiece. {$100.00}. I was told theres nothing they can do. Ive talked to managers and bosses. I have talked to my local branch which didnt call me back for four straight days. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc and XXXX. Would not call me back for days. They did not help me in any way shape or form. XXXX told me that XXXX was working on it. When XXXX finally called me back XXXX days later he told me not only there was nothing he could do but he wasnt working on it. And questioned me saying XXXX XXXX say that. Complete lies And they went as far as saying there is absolute nothing they can do. Its the computer system. All I need was somebody to take a common sense approach and look and see what I did and get the fees waived. that is a scam in my opinion. Charged {$100.00} for a simple mistake. they make millions on simple mistakes. Scary
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was a customer of Truist and I had checking account from Truist Bank. I filed a complaint for fraud transaction with Truist on and around XX/XX/2023. The charge was made by XXXX XXXX XXXX company and it was for {$380.00}. Truist refunded this charge back to my debit card after the initial investigation. However, after nearly 3 months, Truist took this charge back from my account. XXXX XXXX violated my trust and the law. I filed several complaints against XXXX XXXX and finally, we signed a settlement agreement. I can not disclose the settlement terms and the amount that they paid me due to confidentiality however, they acknowledged their error. On the other hand, Truist never acknowledged their error and they're still demanding this money from me. I closed my account and they are claiming that I owe them around {$60.00}. I demand {$380.00} from Truist. This was a charge made without my consent and approval. Truist should have protected my rights as I was their customer, however they sided with the business even though that business was on the wrong. Now, I have a negative mark in my credit report because of Truist just for {$60.00}. I have the right to seek compensation for the damages that this negative mark has caused to me and my business. I can not open a new checking account for my company due to this derogatory mark and it is affecting my income negatively. I can not operate my business without business checking account. If this issue is not resolved amicably, I will start legal battle against Truist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Other service problem
Subissue:
Consumer Complaint: Truist Bank Legal Dept. XXXX XXXX XXXX XXXX, VA XXXX I am filing a complaint against two employees from two different branches for denying me enrollment in ACH and wire transfer services for a business account I had opened. On XX/XX/24 I went to your XXXX branch located at XXXX XXXX XXXX, XXXX, Md. XXXX. I met with a XXXX XXXX who told me I had to wait a 30 day period or so. On XX/XX/24 I went to your branch located at XXXX XXXX XXXX, XXXX, Md. XXXX. I met with a XXXX XXXX. He told me I had to speak with the back office and he would contact them to give them my information to contact me. That never happened. I have come to the conclusionTruist bank does whats called PROFILING. I feel insulted for being turned down for enrollment, for the way I look! On XX/XX/24 I decided to call your customer service department and they told me all I had to do is go into a branch and provide the proper ID and I can enroll in your ACH and wire transfer services. She asked about the branches I went to and I told her I went to the XXXX branch and she called the branch to inquire about who I met with and XXXX XXXX didn't remember me. I made a deposit with her as she said I needed to do. XXXX XXXX XXXX XXXX XXXX acct # : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have repeatedly dealt with this company in every department about the status and predatory lending that lead to this debt and the violation on how it was reported to my credit report after a voluntary repo due to hardships and maintaining this account as a XXXX citizen I have not gotten no resolution just executive responses stating this a legitimate status and its not and from XXXX til XXXX 8 years later this company is still ruining my credit as a charge off thats overdue for time length on my credit!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34982
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accurate with the Fair Credit Report? Act this creditor has violated my rights under 15 USC 1681 ( section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purposes. According to my credit score account I have hard inquiries attached and affecting my credit score causing it to go down because of the inquiry that I dont recognize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Truist Bank has continued to make errors in my mortgage servicing since I refused to open a bank account with them, and this situation is another instance of them trying to punish me for that. They have requested my insurance information and despite providing it to them multiple times, they are saying that they are going to purchase insurance for me at above market cost. I've provided it multiple times and they have even confirmed receipt, yet still continue to email me and say that they haven't processed it after all. I will attach both proof of insurance for last year and this year as well as proof of the company accepting it here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: ******************THIS IS A NEW COMPLAINT*****************TRUIST HAS TAKEN FUNDS AGAIN WITHOUT AUTHORIZATION*************************THIS IS NOT A DUPLICATE**************************TRUIST HAS BEEN NOTIFIED PER MY LAST COMPLAINT REGARDING UNAUTHORIZED FEES BEING DRAFTED FROM MY ACCOUNT. THEY HAVE TAKEN FUNDS OF {$55.00} FOR OVER 4 YEARS FOR PAYROLL SERVICES THAT I DID NOT AUTHORIZE AND TRUIST HAS CONTINUED TO DRAFT FUNDS FOR UNAUTHORIZED FEES. ON XXXX/24, TRUIST DRAFTED {$35.00} FROM MY ACCOUNT FOR " SERVICE CHARGES '' -WHICH AGAIN ARE UNAUTHORIZED FEES. THIS BANK CONTINUES TO TAKE FUNDS OUT OF MY BUSINESS ACCOUNT WITHOUT AUTHORIZATION. ON XXXX/24, TRUIST CREDITED THE {$35.00} BACK. THIS BANK HAS NOT PROVIDED MY REFUND FROM THE UNAUTHORIZED PAYROLL FEES AS THIS HAS BEEN FORWARDED TO THE CFPB, FDIC, XXXX AND NOW I WILL SEEK LEGAL ACTION AGAINST THE BANK. THIS BANK HAS BAD PRACTICES BY TAKING FUNDS UNAUTHORIZED. THIS BANK IS CONTINUOUSLY TAKING FUNDS OUT OF MY TWO ACCOUNTS EACH MONTH AND AFTER REPORTING THE LAST INCIDENT WXXXX, TRUIST STILL HAS TAKEN FUNDS OUT OF MY ACCOUNT AFTER MY COMPLAINTS TO UPPER MANAGEMENT, CORPORATE OFFICES TO INCLUDE MY ATTORNEY. TRUIST NEEDS TO REFUND ALL MY UNAUTHORIZED DRAFTS IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are hard inquiries on my credit that i did not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10310
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A