Date Received: 2023-08-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I reported the identity theft to TRUIST which sent me the billing statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company was sending me payment received alerts on my loan and 3 months later started reporting my account as late to the Credit Bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am receiving bills from Regional Acceptance Corporation at my address. The bills are Not in my name, and I did not take out a loan with this company. The name associated with the bills is XXXX XXXX and on the detachable portion of the bill a second address is XXXX XXXX XXXX XXXX. The account # is XXXX. When I called a support line for Regional a woman gave a third address ( not mine ) trying to guess my address. It is obvious to me that this is fraud, and this corporation Regional Acceptance Corporation is trying to find a person by sending numerous bills to countless individuals in order to collect payment. I asked that this practice to cease and desist but was not willing to give my personal information so now I am seeking assistant from CFPB to investigate the business practice of Regional Acceptance Corporation. I want my address cleared and no more bills sent to my home address. And I think it's prudent to investigate the process of sending bills to random people in hopes of finding a fictional person. When I called Regional Acceptance Corporation, they were not helpful and seemed to put the work of clearing my address on me. This is a waste of my time and an extension of the fraud committed. Why is this now my problem and how does Regional Acceptance Corporation get away with this practice?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the dates XX/XX/2023 and XX/XX/2023, XXXX transactions totaling in {$1200.00} were deducted from my savings account with the description XXXX XXXX XXXX XXXX. Once aware on XX/XX/2023, I filed a dispute. The investigation was found to be invalid due to my authorizing the transactions. When contacted, the financial institution was unable to provide evidence of my authorization. We proceeded to reopen the case. I also contacted XXXX to look into information about the transactions and was unable to get further information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My identity was stolen in XXXX as part of the XXXX XXXXXXXX XXXX data breach. My Truist Credit card was used to make 7 fraudulent charges on XX/XX/XXXX and I reported these charges to Truist immediately ( claim # XXXX XXXX ). Within days, 6 out of 7 of those charges disappeared from my statement in response to the fraud claim and my money was " refunded ''. However, one {$120.00} charge to XXXX XXXX. XXXX remained on my statement despite Truist claiming that they " refunded '' me. I reopened the claim in XXXX and had it escalated due to the fact that 90 days had elapsed and {$120.00} was still appearing on my credit card statements ( claim # XXXX ). I received a third claim # XXXX XXXX for the second escalation on XX/XX/2023. I am now being charged interest on those unpaid statements related to the fraudulent charges. In total, I've made calls to Truist on the following days over the last 6 months trying to resolve the issue : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Each time these calls last at least an hour and each time supervisors are unable to resolve my issue- the most they can do is escalate this with their fraud department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Truist failed to withdraw payments as set up on autopay after going through months of working to get it set up correctly while my Dad was in the hospital and XXXX from XXXX. Truist also has reported three different things to each bureau which are inaccurate. They refuse to repair or remove the information so it is accurate. I have tried for months to get somebody from Truist to resolve this issue but continue to get swept under a rug by their resolution department. Im really upset.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97225
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX my Bank ( Truist ) emailed me a notice of Suspicious activity on my debit card ending in XXXX. I called them to confirm it was XXXX. They killed the card and sent another card to me by mail. I never received the replacement card. On XXXX my Bank send me another notice of Suspicious activity on debit card ending in XXXX. This card is the replacement card for the other card ending in XXXX. I called the fraud department XXXX and there were 14 fraudulent transactions on my account with the XXXX-card totaling {$4200.00} that were done on XXXX. They told me that they killed my card, and they will reissue another card. They told me all of the 14 transactions were pending, and I would have to call back when the charges cleared my bank to start a claim. I called back when the charges cleared to start the claim. They told me that they would do an investigation. I got a response from the bank saying that the claim was denied. Come to find out whoever set up my initial claim # XXXX put in the claim that I was in possession of the card, which is false. I never did receive the card. So, when I received this information, I called the fraud department again to have them change the claim paperwork. I have called several times in the following weeks, many times not getting through to them at all. Finally, I got in touch with them, and they said the claim was denied. How can they deny the claim if they are the ones telling me about the suspicious activity? I never received this card! There were several transactions at merchants who have surveillance systems. They never once reached out to these merchants to look for any proof, so they did no investigation at all. I filed a Police report with the XXXX XXXX Police Report # XXXX Financial Crimes Unit XXXX sent email to XXXX Have not gotten an response back from them at all. I would like for them to check the surveillance activity on this day at these merchants to prove It was not me making these purchases. I want to be reimbursed for all of the fraudulent charges. {$4200.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: TRUIST BANK allowed a person to open a account in my name without my concent 2 deposit s were made under this fraudulent account.1.for {$2100.00} and another for XXXX. Done nothing but ruin my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Re : Formal Dispute of Unauthorized Hard Inquiry To Whom This May Concern, I hope this letter finds you well. I am writing to formally dispute a hard inquiry made on my credit report without my authorization by your institution, LIGHTSTREAM, on XX/XX/2023. On XX/XX/2023, I communicated about this unauthorized inquiry ; however, the matter remains unresolved. This unauthorized inquiry has negatively impacted my credit report and score. As a California resident, I am invoking my rights under both the federal Fair Credit Reporting Act ( FCRA ) and the California Consumer Privacy Act ( CCPA ). Under the FCRA : - **Section 1681b** dictates that financial institutions must obtain consumer consent before making a hard inquiry. - **Section 1681g** mandates that credit reporting agencies must provide consumers with information upon request. - **Section 1681j** discusses fees and the timing of disclosures by credit reporting agencies. Case precedents that amplify the importance of these rights include : - XXXX v. XXXX XXXX. XXXX. XXXX** : Pertaining to the misreporting of credit information and damages. - XXXX v. XXXX XXXX XXXX XXXX : Concerning employer background checks conducted without proper consent. -XXXX v. XXXX XXXX Bank XXXX Which emphasizes the legal ramifications for unauthorized credit inquiries or violations of the FCRA XXXX These cases and FCRA sections underscore the gravity of unauthorized credit checks and the potential ramifications for the responsible parties. Damages I've suffered as a direct result of this unauthorized hard inquiry include higher interest rates, denial of credit, and other related financial setbacks. Furthermore, this unauthorized inquiry raises suspicions of potential identity theft. Identity theft, as defined under the Identity Theft and Assumption Deterrence Act, is the knowing transfer or use, without lawful authority, of another person 's identification with the intent to commit or aid or abet unlawful activity. The unauthorized use of my personal details for a credit inquiry falls suspiciously close to this definition. Moreover, I am concerned that my personal data might have been sold or shared without my consent, which brings me to reference **U.S. Code 1681b ( e ) **. This section addresses the opt-out provisions that consumers have concerning the sharing of their credit report information for marketing offers. Any violation of this section is a further breach of my consumer rights. Considering the above, I kindly request the following : 1. Prompt removal of the unauthorized inquiry from my credit report. 2. Written confirmation within 30 days verifying the removal. 3. Acknowledgment of this violation and steps to prevent future incidents. 4. Provision of a direct contact person handling this matter. If there is no satisfactory resolution, I am prepared to report this incident to relevant regulatory agencies, seek alternative dispute resolution methods, or take necessary legal actions. I trust that LIGHTSTREAM will handle this matter with the utmost professionalism and urgency it demands. A swift resolution is beneficial for both parties. Thank you for your immediate attention. Sincerely, XXXX XXXX XXXX : XXXX Federal Trade Commission XXXX XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Tuesday, XX/XX/XXXX i logged into my Truist bank checking account to pay some bills. i was shocked to see that i had no money in my account. I immediately called the bank and learned that money was transferred from my Truist account to my XXXX XXXX XXXX credit card. The cyber criminals transferred {$2100.00} to my XXXX cc and then tried to get an advance which is when XXXX noticed thish suspicious activity and flagged my account. To date, i have spen 12 days dealing with these 2 institutions trying to get my money back. The funds were not ever received by the criminals but these institutions have failed horribly in leading me through this process to secure my money. I had not a XXXX to my name except for these funds and now my bills have gone unpaid, fees have accrued and i have spen over a hundred hours trying to get this resolved. Every call i make results in yet another task for me to complete. Even today when i spoke to XXXX at XXXX he told me that the Truist fraud department needed to send them a statement called, Holding Harmless to release the funds. Why wasnt that told to me in the beginning, This is just one example of the challenging process i have had to endure and spend every moment during and off work dealing with this extroadinary dysfunctional institutions on both ends The incompetancy of both of their fraud departments is incomprehensible and i'm have been made the victim not once but over and over again. I reached out to the states attorney office and connected with a staff attorney named XXXX who gave me homework to do to register my complaint. There is so much more but this would take a live communication to explain all the ways in which these banks fakile to do their job
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A