Date Received: 2023-08-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Please request a copy of the checks numbered below for the Truist Bank Account belonging to XXXX XXXX XXXX a Florida company. Account number : XXXX XXXX period : XX/XX/XXXX XX/XX/XXXX : XXXX. XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX/XXXX/XXXX : XXXX AMOUNT SERIAL # AMOUNT DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33432
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33625
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: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged {$10.00} for moving money back and forth from checking to savings on my phone, I was told by the bank if I withdraw more than 4 time at an atm a month I would receive the penalty, I specifically asked what if I use my phone, I was told that was ok, after receiving the penalty I contacted the bank and was told it didn't matter that I used my phone and there was nothing they could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
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: Trouble during payment process
Subissue:
Consumer Complaint: Our home was flooded by Hurricane Ian in XX/XX/XXXX, and again by Hurricane Nicole only 42 days later in XX/XX/XXXX. I contacted Truist after our first flood ( in XX/XX/XXXX ) and we were offered a disaster forbearance on our Mortgage for a 3-month period ( XXXX XXXX ). I was told this could be extended for a total of 12 months in 3-month increments and that I simply needed to call Truist prior to the end of the 3-month period in order to extend the forbearance each time. I did just that and we were granted an extension for XXXX XXXX and again for XXXX XXXX. In XX/XX/XXXX, I contacted Truist in order to extend our forbearance for the last 3 months available to us. Our extension was confirmed for XXXX XXXX and I was informed that our first payment would be due on XX/XX/XXXX. In mid XXXX I began receiving phone calls from Truist Collections requesting that I make a payment as our account was past due. I called Truist to inquire and was told that our account was no longer in forbearance status and was past due. I was given various reasons for this including the 12-month period had been reached ( which was incorrect ), that documentation was missing ( but was not told which documentation specifically ) and was ultimately told the issue could not be resolved and had to be escalated to a supervisor who I should be expecting a call from. I did not receive a phone call from a supervisor. But I did receive a letter from an Attorneys office notifying me that they were attempting to collect a debt owed to Truist and that our loan became delinquent on XX/XX/XXXX. I still had not received a call back from Truist so I called them again on XX/XX/XXXX and was told our account had been placed under foreclosure since XX/XX/XXXX, and had been sent to an Attorneys office for collections. I was provided with the Attorneys name and number ( XXXX XXXX XXXX ), the same Attorney i had received the letter from, and I was told our account would be reviewed to correct this and that I would receive a call back. In the meantime, my husband and I both received very disruptive daily phone calls, text messages and letters from various companies and attorneys regarding our foreclosure. On XX/XX/XXXX, I became aware that a Lis Pendens had been filed against us on XX/XX/XXXX. I called the Attorneys office that same day and informed them our account was not under a foreclosure, that we were not delinquent on payments as we were under a forbearance agreement, and that we were attempting to work with Truist to correct this issue. On XX/XX/XXXX I was called by Truist to inquire on the status of our home repairs. I was not given any more information regarding the correction of the foreclosure or our forbearance and was told I would be contacted by another representative regarding those matters. On XX/XX/XXXX I called Truist as I yet again had not received a call back. After nearly 20min of reviewing the documentation in our account I was told that our forbearance was re-instated and no longer in foreclosure with our first payment now being XX/XX/XXXX. I was also informed that paperwork had been mailed out to me the day prior ( XX/XX/XXXX ), however as of today ( XX/XX/XXXX ) I have not yet received anything. I am filing a complaint because despite having done what was asked of us, a Lis Pendens was filed in error which is now a part of public records. I am a XXXX and my husband is a XXXX XXXX who owns his own XXXX XXXX business. This misinformation could be very harmful to us as professionals or as consumers and is not an accurate representation of our characters. Neither my husband nor I were notified by Truist at any time that our account was delinquent until I received a call from their Collections Department. Prior to XXXX we had not been contacted by any agency regarding an apparent foreclosure, and this luckily has not been reported to the credit bureaus. Based on this it is apparent that we should never have been turned over to an attorney and a Lis Pendens should never have been filed. I also received 3rd party notification from a contact of my mother in laws that Truist admitted foreclosure proceedings should not have been initiated since we should have been under a forbearance. This was communicated in an email from Truist Loss Mitigation Dept. We are looking to you for guidance on how to proceed in order to make sure this error does not jeopardize us in any way, and to hopefully have some kind of reversal for the Lis Pendens filed. In addition, based on our last statement from Truist, there is an amount of {$4700.00} for total fees and charges that has been added to our account which also needs to be corrected. My husband and I are still dealing with the stress from the loss of our home due to the hurricanes. We have been living in an RV with our XXXX little girls since XX/XX/XXXX, and we are still waiting for the insurance company to provide us with an estimate that will allow us to make the necessary repairs to our home as it remains unlivable. To throw this situation on top of all of that has honestly added to the frustration and helplessness that we feel on a daily basis. Weve done everything we were supposed to do, kept our accounts up to date and had the appropriate flood coverage for our home, yet we are still battling to get our lives back to normal so that our girls can have a home again. Thank you for your time!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32127
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I received a statement from Truist Bank for a credit card with a credit limit of {$7500.00} that I never opened or activated. On XX/XX/XXXX, there was a transfer balance of {$7000.00} plus a {$210.00} fee charged making the total amount due. On XX/XX/XXXX, I spoke with a representative from the Truist fraud department and filed a Dispute Claim as well being given a Case ID # for Identity Theft. On XX/XX/XXXX, I also filed a Police Report with my local Police Department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07450
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: Fraud or scam
Subissue:
Consumer Complaint: In 2011 SunTrust bank closed out my checking/ savings account stating I had a fraudulent check deposited into my account, and they refused to give me any type of explanation as to where the check came from or who deposited it into my account. I opened the account with {$100000.00}. As of now SunTrust has changed to Truist and I still can't get any answers as to where my money is. I appreciate any help in this situation. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My cell phone was stolen on XX/XX/2023. A police report was filed immediately after the incident. Following the theft, I noticed that suspicious charges were occurring to both XXXX XXXX and XXXX XXXX. I contacted Truist Bank to shut down the account as soon as I realized that fraudulent charges were taking place. Truist credited my account {$4100.00} pending their investigation. I received a letter from Truist dated XX/XX/2023, stating that they had determined that the charges in question " Were authorized and an error did not occur ''. Truist debited my account {$4100.00}, putting me in a negative balance on XX/XX/2023. I went to the local Truist branch and spoke with the manager. He suggested that I send an email to appeal the decision. I attached a copy of the police report and the Police Officers contact information to the email. I wanted to ensure that Truist had proof that a crime had occurred and that an investigation was ongoing. I called Truist Monday, XX/XX/2023, to ask for an update. I was told verbally that my claim was reviewed for a second time and that their decision to deny the claim was final. In addition to calling Truist, I contacted both XXXX XXXX and XXXX XXXX. Because I had to purchase a new phone, I lost access to XXXX and was unable to recover information from my old phone. After spending several hours on the phone with customer service to try and retrieve the data, they concluded that they would not be able to assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 SHEFFIELD FINANCIAL, opened a unauthorized and unrecognized inquire on my XXXX account. I have no knowledge of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After having my XXXX XXXX case getting dismissed, which I had sent in 3 payments to Truist. I requested a reinstatement ( XXXX ) request on XX/XX/XXXX and received it on XX/XX/XXXX from XXXX XXXX, their attorney. It was for {$22000.00}. I called Truist the same day and asked did I get credit for the 3 payments they received and was told that they had mailed by 1 payment and the other two were used for a escrow shortage. I told the fine and asked what my balance I owed and was told it was {$14000.00}. So on the XXXX, I called XXXX XXXX and asked could I get an itemization of the charges and was told they don't do that. I should refer to the statement which shows three line items. A total payment ( XXXX ), Corporate advances ( XXXX ), and late fees ( XXXX ). I then asked how much of that is their fee ad was told it was the XXXX. I then asked them about the two extra payments ( XXXX ). And was told they don't know anything about that. I wanted a track record so I sent them an email about those two payment and they replied that those payment that went towards escrow have nothing to do with what is owed. I only had XXXX so i waited until my payday of XXXX my check was XXXX so I was still short, yet knew I didn't owe XXXX XXXX. I called Truist again XXXX XXXX I got a XXXX who was extremely helpful. I explained to him what was going on and he looked into it. I told him what I thought I owed verses what they were saying and he agreed. If we subtracted that XXXX. I had more than enough to reinstate my loan. So he called XXXX XXXX with me on the line. He asked them what they showed and they told him {$22000.00}, he asked them what were they charging they told him {$2000.00}. He then asked them how long would it take to get a new XXXX and they said 2-3 days. So he asked them to initiate that request and told me to hold off paying until I get the new amount. Once they heard me on the call with Truist XXXX XXXX left the call. XXXX and I calculated what we thought I owed and it came out to {$18000.00}. But he told me there may be a late fee coming but it like XXXX bucks. So on the XXXX that Monday I went to my bank to wire XXXX XXXX {$18000.00} bucks. I had not received the new XXXX request but didn't want to wait. I got them on the phone to verify the wire and they told me they were not going to accept the wire because my XXXX had expired. I informed them that we requested a new one on the XXXX. They said wait until it comes or call Truist to expedite. I called truist and they said the new XXXX went out on the XXXX and it was for {$22000.00} dollars. They gave me a good through date of XX/XX/XXXX. I asked for an itemization and they said they couldn't do that but explained that I had 5 months payments at XXXX a month and 5 payments at XXXX a month. Plus fees and they gave me credit for the {$3500.00} that wasn't returned. As of now I still haven't received a new XXXX from XXXX XXXX and decided to borrow what I am short from my family after I get paid on the 30th. Yet this moving target is down right aggregating. And neither party will break down the numbers in writing. The first thing they ask is are you represented by an attorney. Heck I guess I better hire one so I don't lose my {$240000.00} in equity. Because it doesn't appear to me they want my money, they want my house!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: ( 1 ) Reported card missinG XX/XX/2023. ( 2 ) Received email about customizing card XX/XX/2023 ( 3 ) XX/XX/2023 email received statinG the custom card was beinG reviewed ( 4 ) XX/XX/XXXX received confirmation that the new custom card was approved and should take XXXX to XXXX business days to arrive ( 5 ) Received card on XX/XX/2023 Now my acct is shut down statinH it's a charge off of XXXX $ bucks which is not fair at all!!! If it's so prayed can you please Get this resolved!? I bee working on my credit and for me to take all proper steps and get the rug pulled from under my feet is ABSURD!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A