Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've tried to get this accounts removed from my credit report, I read up on consumer laws and it states according to the 15 u s.c. 1692 that's these shouldn't be on my report. Please Help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They have unlawfully added these accounts on my credit report. Thanks In Advance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30012
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors. If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
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: Closed heloc being paid off monthly including extra principal payment. I have seen this on more than one recent statement in addition to the most recent one attached. The attached shows a Previous ( beginning monthly statement ) Account Balance of {$20000.00}, but an Average Daily Balance of {$20000.00} used to calculate interest. HOW ON EARTH CAN THE AVERAGE DAILY BALANCE BE HUNDREDS OF DOLLARS GREATER THAN THE PREVIOUS ( beginning monthly statement ) Balance? This account has been closed for over a decade and the balance can ONLY DECREASE. This same bank actually reported to credit bureaus a few months ago that the balance had increased, also. Their statement is absolutely ridiculous and their computer systems are obviously stealing extra interest from me with this fraudulent calculation of average daily balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
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: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/23 went out with friends. The total was {$52.00} + {$8.00} tip. Total= {$60.00} penned as such for 4 days. On XX/XX/23 got an overdraft fee alert several at once. Looked at my account and {$600.00} was charged. So I contacted fraud/ claims department at my bank Truist. Made a claim was told to contact that business to send me receipt. The manager emailed it to me asap and apologized and said to have my bank reverse the difference which would be {$540.00} I called back to my bank fraud department and was given website that doesn't accept external emails. Called back was given a bogus website again. This was just a simple case of the decimal point in the wrong spot. After failed attempts to submit my receipt I left work early and went to the bank in person. An agent there submitted my receipt as I was told by claims department I only had 48 hours to do so. I also asked for all my overdraft fees to be waived from this misfortune. I was assured by them this would be resolved. In the meantime they closed the case saying I authorized that amount when I provided receipts and emails from establishment as asked. The bank kept my entire direct deposit for overdraft fees even though I was assured this would be handled. I returned to the bank yesterday and filed another claim on this continuing problem. Claims department even gave bank management wrong email to resubmit my claim and proof. She had to make several calls herself. I then went back to establishment to talk to manager as advised and she refunded the difference. Went back to bank and was told to not deposit it to hold it due to claim. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33801
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a customer of Truist, and all of its previous banks since 1987, and since Truist merged with Suntrust, it has been nothing but problems ranging from fraud on my account, the inability to resolve the fraud, horrible customer service, excessive fees, bait & switch, and solicitation of services that have led to negative credit ratings. Most recently, in XXXX Truist solicited ME to open a cash reserve account based on my average balance. I did not inquire about this, but I accepted the offer as a way to build my credit profile. The amount issued was {$700.00} & I instructed them to take the monthly payment out of my account. They did NOT do this & by the time I was aware I was behind on the account despite the fact that their terms said they would auto draft the payment. Then, I made payments & yet they still said I was behind, and WITHOUT notifying me, randomly took {$340.00} out of my account in late XXXX, causing me to be overdrawn. I attempted to resolve it on the phone, went to the branch, & refused to deposit funds into the account until they resolved it. They lied, never fixed it, then without notifying me, closed the account causing me numerous issues as I had direct deposits to the account. They still have not fixed it. Then in XXXX I opened a new account before they closed my original account and they offered a {$400.00} bonus if, after 90 days, I met certain requirements, which I did. I called in early XXXX to ask about the bonus, was given the run around, and still do not have my {$400.00}. This is bait & switch & I want them held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX has been calling and sending emails I have never had an account with them and they are calling / email attempting to damage or intent to place harm to my credit. This is incorrect information via email Emails came from notifications @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Creditor : Truist Bank Our Account Number : XXXX Original Account Number : XXXX Balance : {$920.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023 at XXXX. I received a text from Truist asking if I attempted to make a purchase from " XXXX XXXXf XXXX ''. I called the customer service number and told the representative I did not attempt to purchase anything with that card as I hadn't used it since XXXX and it sits in my drawer. The representative then informed me there were other purchases made with this card including an airline ticket for over {$1800.00}. Which I informed them that I definitely did not make nor authorize. I was told everything would be investigated and I could be sure these items would be taken care of since I didn't authorize them. I received a letter from Truist a few days later dated XX/XX/2023 stating these charges would be removed from my credit account balance. When I checked a few days later all charges were removed except the airline ticket ( XXXX ). When I called to inquire about this I would told it was still being investigated. I went into a local branch on XX/XX/2023 XXXX XXXX, Senior Representative for the branch. I informed her of what was going on and she attempted to assist with the issue. Our first contact was with XXXX XXXX who stated the investigation was conducted and approved. I should see a refund of the {$1800.00}. When asked when she said she didn't know and transferred us to another representative XXXX XXXX XXXX ) who said it was not approved and I would be responsible for the charges. When asked why he said he didn't know. XXXX asked that we be transferred to escalte this issue and XXXX XXXXan said it would definitely be escalated and I would hear from someone soon. It has been over a month and a half and I still can not get resolution to this issue. No one has answers and I told them this is effecting my credit score. Any assistance that could be given to help with this situation would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28081
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have previously filed a complaint about the following issue and it was not properly addressed by Suntrust Mortgage. It was regarding complaint XXXX. I have pasted my initial complain below. There are two major issues with the respsonse from Suntrust on this. 1. In their response they state the folloiwng : " On XX/XX/XXXX, we reversed teh fulll payment and reapplied the XX/XX/XXXX XXXX with {$320.00} as additional principal. When I initially called Suntrust customer service, I explained I saw a payment reversal and then the money reapplied back to the payment. The initial payment that was made cleared my account and was fine. When Suntrust reversed the payment ( not with my consent ), I called and asked if the reapplied payment cleared the account after they reversed it and I was told, " Yes. The payment as cleared and there is nothing more needed to do on my part. '' I can only go off of what their customer service reps are telling me. These notes were taken by the customer service rep and can be validated. 2. In their response they state the following : " On XX/XX/XXXX we received a reinstaement notice from XXXX effective XX/XX/XXXX, making the lapse period XX/XX/XXXX to XX/XX/XXXX. '' This is not accurate. There was NEVER. lapse in insurance coverage. I am attaching my Home Owners declaration page for XXXX showing coverage from XX/XX/XXXX- XX/XX/XXXX. I am also attaching my XXXX page showing coverage was in place from XX/XX/XXXX thru XX/XX/XXXX. Therefore, there was NEVER. lapse in coverage and my required mortgage payment should never have been increased. The initial complain is pasted below. Again, I am asking for the two mortgage lates to be reversed. I have 6 loans with Suntrust. And I bank with Suntrust as a very good customer. I should be taken care of properly for this mistake. I only am asking this to bring my credit score back to where it should be so I can continue purchasing properties. To Whom It May Concern : I am writing to dispute two incorrect mortgage lates that Truist Bank has placed on my account. I am a real estate professional and earn my living from purchasing properties, renting them out, and/or selling them. I currently own 15 properties and have 5 active mortgages with Truist. I paid off another loan with Truist two years. Additionally, I have other mortgages with other lenders which I have never had a late payment on. My livelihood is contingent on my having good credit in order to finance the properties I purchase. The mortgage lates I am disputing is with Truist. I am happy to provide the loan number upon request. This loan was opened in XX/XX/XXXX. All my required mortgage payments are on auto draft with Truist. The monthly required payment on this loan is {$1200.00}. Each month I pay a total of {$1600.00} and I pay my taxes and insurance separately on my own as they are not escrowed. I have provided my initial loan documents from the closing showing Escrows had been waived and were not required as part of the monthly payment. This is an important point that I do not escrow my taxes and insurance. In late XXXX I received a letter from Truist saying my mortgage payment for XXXX was late and had not been received in full. I went into my account online to see if the funds had been taken and they had in fact been taken and paid to Truist. I called up a customer service member from Truist on XX/XX/XXXX to better understand what the discrepancy was. I was informed that there was an error on their part and that the funds had been received to pay the mortgage in full and that no further action was needed by me. I received another letter from Truist in early XXXX stating they hadnt received XXXX full payment. Again, I called the Truist customer service and again they confirmed that the XXXX payment had been received and no further action was necessary. On XX/XX/XXXX, I opened another Truist letter that stated XXXX payment hadnt been received in full. Again, I called Truist customer service to inquire about this discrepancy. I was informed that Truist applied part of the funds received in XXXX and in XXXX towards taxes and insurance. This was a clear mistake as I DO NOT escrow my taxes or insurance. This left a shortage in the payments applied towards the required Principal balance of the loan causing the required payment to not be paid in full. The issue here is they incorrectly applied my payments to a taxes and insurance payment that I dont have with them because I pay that on my own and do not escrow. I asked the representative if my prior calls were all in their notes and could she see the prior conversations I had on the multiple calls I had made to get this correct. The customer service representative confirmed she could see all my prior calls and apologized for the inconvenience. I inquired to see if the shortfall of funds applied to the principal balance due to incorrect funds being applied to taxes and insurance caused the payments for XXXX and XXXX to be 30 days late. She confirmed that it would show up as a 30 day late due to this. She told me I can dispute this thru Truist and provided me the link to it. I completed the dispute online and never received any information in return. I then submitted formal dispute requests thru the mail to each of the credit bureaus. I received a response from XXXX of the bureaus saying that Truist didn't agree with my dispute so I am writing to CFPB for assistance in this matter. I am attaching documentation to this showing that I do not escrow my taxes and insurance and that Truist incorrectly applied my payments to escrows instead of the full amount being applied to the principal balance. I have attached as documentation of this error by Truist the following items : Initial Mortgage note showing required monthly payment with no required escrows Executed Waiver of Escrow document that was part of the loan documents from the property closing on XX/XX/XXXX Insurance Declaration page showing there was never a lapse in insurance and the insurance was in place and paid for in XXXX as required ( proof that the funds I paid should not have been applied towards escrows ) Country Property tax document showing property taxes for this home were paid by end of XXXX on time and there was no balance on XX/XX/XXXX Truist Loan Statement from XX/XX/XXXX showing a required payment of {$1200.00} with no escrows required Statement from XX/XX/XXXX showing a new required payment of {$1800.00} ( with {$560.00} increase ) being required for escrows. This is the mistake that was made for XXXX and XXXX payment as well. This is documented proof they were requiring to make escrow payments towards my mortgage and had increased the required payment by {$560.00}. I am asking to have these XXXX late mortgage payments that are currently reflected on my credit to be immediately removed. Without this occurring, I will not have a high enough XXXX XXXX to continue purchasing properties and this mistaken mortgage late was of no fault of my own doing. I greatly appreciate your assistance. Sincerely, ATTACHMENTS Insurance Binder, updated.pdf ( XXXX KB ) XXXX ( XXXX ) .pdf ( XXXX KB ) First Payment- Truist.pdf ( XXXX MB ) # SIGNED PART XXXX ( XXXX MB ) Truist - XXXX ( XXXX MB ) Truist XXXX Statement.pdf ( XXXX KB ) View full complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: While visiting XXXX XXXX on XX/XX/2023 i purchased a tee shirt from a souvenir store, " XXXX XXXX XXXX '' in XXXX XXXX, XXXX. When we returned home we noticed they charged my account {$10000.00} rather than XXXX XXXX. During this transaction I did not put in a PIN number nor was I asked to sign the receipt transaction. ( We have never purchased anything this expensive let alone placed that kind of charge on a debit card. We have been with Suntrust which is now Truist for over 12 years now. ) We immediately contacted the Truist Bank that we have our checking and debit account with. They submitted it to their fraud department and after only a day of evaluation sent a form letter stating they found that the amount was authorized and there was nothing they could do. We called the fraud department phone number on that form letter on XX/XX/2023 and after holding for a Claim Supervisor, XXXX, it was explained that since the purchase was made with a chip card it did not require a PIN number or a signature and was automatically authorized by the bank. When I inquired about the banks protocols to catch fraudulent charges such as an exact XXXX dollar charge from a souvenir shop in XXXX XXXX, I was told they did not have the " man power '' to contact individual clients when there seem to be suspicious charges. I asked them if there was anything they could do since this was obviously a fraudulent charge and he said there was nothing they could do on their end. He said I would have to reach out to the merchant and get refunded. What I realized is that Truist will allow any type of charge to go through on its debit and CC no matter how absurd it appears because they do not have the " man power '' to contact the clients before the funds are withdrawn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My Credit Score has dropped significantly in the past month due to unauthorized searches into my finances while attempting to apply for a loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31768
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A