Date Received: 2023-08-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I lost my job in XX/XX/XXXX. I have been seeking work befitting my qualifications and experience as a XXXX XXXX XXXX. I applied for Mortgage Forbearance through Truist Bank. I was granted XXXX for XXXX, XXXX and XXXX. I was current on my mortgage payments. I made the payment for the month of XX/XX/XXXX. I have missed XXXX and XX/XX/XXXX. Since I had yet to secure a job, I applied again for Forbearance in the middle of XX/XX/XXXX. My credit score was XXXX in the month of XX/XX/XXXX. It was my understanding from all sources of research, including the CFPB website, that if one was current as of the time Forbearance was granted, one could not be subsequently be declared Delinquent, as in fact, the mortgage should still be considered current. Imagine my surprise to learn that Truist had declared me Delinquent and crashed my credit score by XXXX points. I have notified Truist that they can not wreck a credit that I had been painstakingly building for years. They keep lying to me that they could report me as delinquent to Credit Reporting Agencies. This is just not right. This would lead to a perverse outcome where somebody who is struggling would find it even harder to get back on their feet, due to wrecked credit!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55304
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I initiated a wire transfer in the amount of {$3600.00} to recipient XXXX XXXX. Several days lays later the recipient informed she had not received the funds. After futher investigation with my bank ( XXXX ) I confirmed that the funds were fraudulent deposited into a Truist account not belonging to XXXX XXXX. I reached out to Truist to initiate a fraud claim and they stated there was nothing they could do although I had the fraudulent recipient account number ( Account number XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed my auto loan that was repossessed and charged off with Regional Acceptance. I submitted XXXX finalized divorce decree through XXXX to them that stated my ex husband is to be in charge of the remainder of the debt and Regional Acceptance will still not remove this from my report despite having a copy of a legally binding document.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85203
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I received a call on Saturday, XX/XX/2023 at XXXX XXXX on my cell phone from XXXX. I did not recognize the number and earlier in the week had received several fraudulent calls attempting to sell me unneeded services and products. The number left a voice mail ( robo caller ) and left a case number and call back number ( which was cut off. ). I found this to be suspicious as it was a Saturday and they indicated they were from Truist regarding my loan and being in collections. I thougth this was odd since I had requsetd payment relief for personal hardship on my auto loan in XX/XX/2023 when I took medical leave from work to care for my serious medical condition and was experiencing financial hardship too since I was not receiving any incoming from my employer beginning in XXXX. Up to this point, I thought my payment relief was granted because my application was approved. So I waiting till the next business day to call back ( I called the XXXX number on Truist website v the number that called me ), XX/XX/2023. After I was able to verify this was a legit call, I was transferred to another department. I asked how my account could be in collections at this time and they did not provide a clear answer but indicated I had a past due principal balance of a {$27.00} and that if I could take care of it over the phone, my account would be in good standing. Again I thought this was odd given I had applied for payment relief but they explained that they sent me an email regarding it, which I do not recall receiving, and because I did not sign that, I was not granted the payment relief. At no point from XXXX to XXXX, did I ever get a courtesy call or reminder from Truist that my account was supposedly past due. Up until that point, I have made payments every single month, on time, but it wasnt until my medical leave which I was under medical care and supervision that this all occurred. And it was just recently I realized that on that they charged me {$220.00} in interest on the principal amount of {$27.00}. Claiming that my account was overdue since XXXX and this was the interest applied per diem. The interest they collected on this is equivalent to my monthly principle payments. This debt collecting arm of Truist, called me illegally on a Saturday, to try and collect a debt in which according to their records was more than 90 days past due. My auto payments had paused since XXXX 2023 and the claim was that because I had " not signed off '' on something, that the payment relief was never granted and conveniently now that link has expired and there is no documentation regarding the request and approval I received through Truist website that payment relief was granted. My question if my account was past due, then why did I not receive any calls or emails in XXXX, XXXX or XXXX, indicated I had a past due balance or a courtesy call that there was a pending action item on my part that was preventing the processing of the payment relief for 6 months. Keep in mind, I was experience personal, medical and financial hardship during this time. I needed relief temporarily of payments till I recovered. I ended up paying almost {$450.00} in XXXX towards my auto loan payment. My monthly payments that I had asked relief of was {$210.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I have opened a checking account with Truist Bank ad the were offering a {$400.00} bonus for XXXX customer. By using promo code XXXXXXXX. I maintained my account current and met the requirements of having direct deposits of more than XXXX after opening. Today I was told by a supervisor that my account was never enrolled in the promotion and even tho I qualified was not going to receive such promo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint against Truist Bank and is related to CFPB Claim # XXXX against Truist bank, which is currently closed. The complaint resulted in Truist Bank notifying me on XX/XX/2023, that it had confirmed the identity of my cousin, XXXX XXXX XXXX 's " identity and ownership interest '' in the property at XXXX XXXX XXXX ( XXXX. XXXX ). Because XXXX has severe brain damage, I am responsible for all matters pertaining to her finances and care, so I completed the form entitling XXXX and me to receive notices and communications about the loan and to request information and submit notices of error. I have continued to pay the mortgage amount required per the contract. However, the loan payment was incorrectly increased from {$360.00} to {$740.00} because Truist is now adding in the amount to be paid for taxes and insurance. Until now, the taxes and insurance has always been paid, per the contract, by my cousin and me. I recently paid the insurance payment on XX/XX/2023 ( Att. XXXX ). When I inquired about this error, I was told I can not be provided any information about this loan until I have XXXX sign and submit a power of attorney. This is in direct conflict of the letter dated XX/XX/2023 and is illogical because Truist has all of the legal documents appointing me guardian and conservator of XXXX, who is now the sole owner of the property. I believe this is another attempt by Truist Bank to wrongfully force this property into foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: From : XXXX XXXX XXXX Mailing : XXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Landline : ( XXXX ) XXXX Truist Bank Mortgage XXXX XXXX XXXX XXXX, MD XXXX Loan number : XXXX When COVID happened, I was directly affected by COVID. XXXX members of my family died from XXXX and I had to have XXXX surgeries. Consequently, I am on XXXX for the rest of my life. I am a 12-year United States Veteran and my mortgage was purchased via the VA program XXXX Due to COVID, Truist Mortgage placed my mortgage in a forebearnace program for six months. When I initially agreed to go into forebearance program, the gentleman informed me that my payments would be attached to the end of my loan. Subsequently, a Truist representative called me to inform me that he lied. During that call, she promised to place my due date to the END OF THE MONTH - she stated that would make it easier for me to get make my monthly payments because, all of my regular bills were due at the beginning of the month. Shortly that call, another Truist representative called me to inform me that she LIED. The representative informed me that, EVEN THOUGH TRUIST OWNS MY LOAN and that TRUIST CAN CHANGE THE DUE DATE IF THEY WANT, they refuse to help me stay in my and will keep the due date at the BEGINNING of each month when ALL of my other bills are due - making it EVEN more difficult for me to make my monthy mortgage payments. PLEASE UNDERSTAND - ALL OF THE TRUIST FOREBEARANCE REPRESENTATIVES LIED THROUGHOUT THIS ENTIRE PROCESS. When the program ended, I complied with EVERYTHING that Truist Mortgage instructed. Near the end of the program, Truist sent me documents to sign. When I mailed them back in their envelop, they informed that they lost the documents. Truist sent another set of documents for me to sign to continue with my payments after the forebearance program was completed. After signing where the red and yellow tabs instructed me to sign and having the documents notarized, I mailed the documents back to Truist. On XXXX XX/XX/2023, another Truist female representative called me and informed me that my notarized documents were received ; but, she did not like my signature. I told her to look at my signature on ALL of my documents; and tried to convey that was my signature. During the ENTIRE call, she was speaking XXXX ( had a VERY ignorant XXXX tone to her voice ) and threatened me over the phone with the prospect of taking my home away from me. She indicated that Truist, ALL ALONG, had it in mind to take my home away from the onset of entering the forebearance program. The call was SO bizarre and threatening, that I had to end the call. NOTE : Banking crimes have NOT ended. Many thousands are homeless due to criminal banking practices that are similar to what Truist is currently doing to my mortgage loan. The banks are taking advantage of people who were directly affected my COVID ; and consequently, doing everything that they can to take our homes! PLEASE INVESTIGATE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Truist Received a promotional offer that stated if I opened a new account and deposited at least {$1500.00} into the account, I would earn {$400.00} for this account opening. Promo code : XXXX On XX/XX/2023, I opened an account online. A few days later, I received a letter in the mail dated XX/XX/2023 ( day after I opened the account ) stating they closed my account. I called the main customer service line asking why the account was closed. The customer service representative stated that I needed to go to a branch location to show my ID for verification and the account will be re-opened. I went to a branch location on XX/XX/2023, but unfortunately, a banker was not available to assist me. I went to the branch location again on XX/XX/2023 and the banker pulled up my information and verified my ID but stated that he could not reopen the account but he could set me up with a " new '' account. I was confused at this time why he couldn't reopen but allowed him to set me up with another " new '' account. I made a deposit of {$1500.00} on this day. I asked about the promotional offer and he stated that he placed the offer code on the account opening. On XX/XX/XXXX, I received an email from Truist stating : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' On XX/XX/XXXX, I called the customer service department and was transferred several times before an individual was able to explain to me that the original account I opened online was deemed the " NEW '' account and the second one I opened in the branch did not qualify because it wasn't a " NEW '' account. The customer service representative mentioned that she sent my information for an exception but still haven't received the promotional offer nor a status update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: While I was at work some man stole my wallet and wipped out my bank account. I notified the bank immediately and was told a claim was being made and I could receive a preliminary credit of the funds taken seeing as I was STRANDED with no way home from work fast forward a week later and my funds have still not been credited back to my account and Im being told I have to wait for the investigation to conclude. However there is video proof I was not the one to make the purchases and a police report has been filed for theft of my bank cards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Early XXXX, 2023, I opened a checking account and credit card with Truist Bank, XXXX XXXX. XXXX PA. They were offering a PROMO of {$400.00} to open an account. As of XX/XX/2023, I completed all the requirements. XXXX XXXX was the XXXX XXXX, who assisted me with opening the account. Whenever I call on the status of the {$400.00} promised, I'm told the " XXXX Department '' is still researching. Wait another XXXX days. According to the information when I opened my account, that {$400.00} would be deposited within XXXX weeks of my completion of the terms. XXXX XXXX informed me today, another woman has been waiting since XXXX for her XXXX. I also learned today from XXXX XXXX, that Truist finally located the {$250.00} from my previous complaint. That money needs to be reimbursed to XXXX, who after almost two months reversed the payment and refunded my money. XXXX XXXX told me today, the XXXX XXXX, XXXX location, just located the check for {$250.00} sent to them by XXXX. What is going on at Truist bank. Please do what you can to get them to honor thier XXXX and deposit {$400.00} into my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A