Date Received: 2024-02-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Between XX/XX/XXXX, XXXX XXXX, XXXX Truist Bank , initially charged me XXXX {$36.00} fees totaling {$3900.00}. All the money that enters my account is child support income. Due to loosing XXXX XXXX in XXXX I have not been able to return back to work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX is from XXXX, I was in good standing and it was paid off. I understand negative accounts can stay on file for 10yrs but this account isn't one. I'd like it deleted from my credit report asap. I recieved my auto loan XX/XX/2015, it's been 9yrs, this is now considered a legend Account. Per my agreement with XXXX they should have deleted when my final payment was made! I've been disputing this for years now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I called on XX/XX/XXXX and spoke to an agent, their supervisor and the supervisor 's supervisor. I asked for a 1099 given I received a taxable ( according to IRS rules ) account bonus in XX/XX/XXXX. Agents kept repeating that they only issue 1099 INT for interest. I said that's fine, but they should produce a 1099-MISC or some other form. Bank refuses to issue 1099s for taxable income and this is against IRS rules/regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Regional Acceptance claims that my debt was not sold but has released all my personal information to a unfit company that has all of my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX applied for personal loan. was denied for XXXX score XXXX was told I needed a XXXX ran my credit. 3 times asked why no explanation. I have a XXXXXXXX XXXX. told wait until next month to reapply XXXX XXXX denied. claim same score XXXX XXXX still XXXX. Told me was from XXXX gave me information to contact XXXX received credit report XXXX. XXXX late payments believe discrimination lying about XXXX score. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was informed about a negative report on my credit history for a late payment from an institution that I have no knowledge of. I never received any bills., statements or delinquency letters from this institution. I have no knowledge who that is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several unauthorized hard inquiries on my report. This is a violation of my rights under the FCRA 15, USC 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XXXX XX/XX/XXXX To Whom it May Concern : My name is XXXX XXXX and I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have lived in this house since XX/XX/XXXX. My initial mortgage lending company was XXXX XXXX, but the loan was sold to Truist Bank just two weeks after the initial purchase and they have held the mortgage ever since. I have also had XXXX XXXX XXXX XXXX through a partnership with XXXX throughout the entirety of my ownership of this home. On XX/XX/XXXX, due to circumstances beyond my knowledge or control, I found out my home was uninsured for a period of time ( XXXX ). Due to this, I was forced to get insurance with another company immediately. In this process, I was informed that Truist would have to place a Forced Place ( Hazard ) Insurance Policy on my account for the time in which I was uninsured. I was also told that this would come out of my escrow account ( as my insurance payment usually had ), but because the lapse on insurance was not my responsibility, I should not be responsible for the additional hazard pay. Please see the below timeline for details on the incident. On XX/XX/XXXX, the renewal of my XXXX XXXX insurance policy was supposed to begin. In years past, this transition happened smoothly without any required actions from myself. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX claiming that my premium had not been paid and that if not paid by the XXXX, that they would cancel my policy. Being that this was the first I had heard of the issue, I contacted both parties. First, I called XXXX XXXX to confirm that this letter was real. They informed me that it was truly the case and that they had been reaching out to XXXX for payment without any return. I informed them that XXXX hadnt held the mortgage for two years and that they had been successfully billing Truist during that same amount of time. The XXXX XXXX rep then asked me to call Truist and have them send them the money. I then called Truist and the rep stated that there was a miscommunication between companies and that it would be handled now that they were aware of it. I still asked if there was anything I could do to avoid the policy being canceled and the rep asked me to go on XXXX to upload my most recent policy forms. The Truist rep during this phone call even stated that I shouldnt worry because I did not thing wrong and it would be taken care of. I was told I could follow along with the status through this website, which in just a few days stated reviewed. I received no further communication from either party until I received a letter in the mail from Truist on XX/XX/XXXX, stating that XXXX XXXX did indeed cancel my policy. Being that this was after-hours, I was unable to communicate with a rep from either party that same day, but I was able to reach XXXX who guided me through starting a new policy elsewhere. The next day I was able to get on the phone with reps from both parties and neither could tell me where the miscommunication took place, so I merged the phone calls and had them speak directly to one another. Their conclusion was that XXXX XXXX never billed the correct address for Truist as they were trying to send the bills to XXXX XXXX instead. Following the discussion in which they determined the issue, they stated that it was my responsibility to inform XXXX XXXX of the Mortgage Lender change so they could bill the correct company and therefore I was at fault. The first issue is that the Lender change took place all the way back in XXXX of XXXX and Truist themselves handled the transition of the policy. There were no further changes since this date as far as the lender, and therefore, no changes in billing should have occurred. Secondly, we know that they were both informed of the change because XXXX XXXX has been paid monthly out of my escrow account through Truist for two years now without an issue. So again, no change should have occurred. The third issue is that I was not contacted by either party until XXXX of this year, meanwhile escrow has been collected from me since then and has not been paid out. Due to these reasons, I need this issue to be resolved immediately. The letter I received on XX/XX/XXXX stated that the Forced Place ( Hazard ) Insurance would cost {$1900.00}, and I will need that to be taken care of by the parties at fault. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: When I went to close my accounts to pay for a downpayment on a house in late XXXX, Truist promised me in person at the branch with two employee witnesses that I didn't need to close the accounts and that they would instead convert me to fee-free no-minimum balance accounts. I was distrusting and they promised me repeatedly they would do this. Instead they charged me a fee and haven't removed it or promised to stop charging me with it. I called Truist customer support as soon as I could ( XX/XX/XXXX ), and they said they would resolve the issue. Just in case, I called the branch two weeks ago ( XX/XX/XXXX ), had to leave a message, and they never called me back. On a third call on XXXX XX/XX/XXXX, Truist customer service acknowledged that my account includes a note that I should not be charged any maintenance fees. They acknowledged that they failed to convert that money market account into something fee free. They also told me they have literally no product without maintenance fees ( without a minimum balance requirement ). Yet, there has been no remedy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I have contacted my mortgage company, Truist, multiple times to change my bank account on file with them. Whenever I go into the application or the website I get errors that I am not the authorized user despite my name being on the mortgage and on the account with the new bank I want to add. I will call them again on Monday, XX/XX/2024, if I can't get thorough their application again this weekend, but they refuse to add my account manually, and my old account, I believe was deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A