Date Received: 2023-08-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check into my account. I received an email that said there would be a 10 day hold on the check. Then the money showed up in my account. So I tried to transfer some money to another account using XXXX. The money was put on a hold. Then I tried to login to my account today, and there is a message that says " Your online access has been restricted for security purposes. Please call XXXX from XXXX ET seven days a week to restore access. Press option 2 for XXXXrelated online banking issues. '' Why was my account locked? I know it's me, and nothing weird about what I am doing with my account would trigger a lock.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed some fraudulent inquiries on my credit report I would like them removed XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX TRUIST BANK Inquiry : XXXX. XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a promotional offer to open a new checking account and to receive a {$400.00} bonus after meeting the terms and conditions. The terms and conditions included 2 direct deposits totaling {$1000.00} within 90 days of opening the account. The fine print mentioned that the {$400.00} bonus would be available within 4 weeks of the last qualifying deposit. I have proof that the promo code was applied at the time of application. I also called and confirmed it was applied on 2 separate occasions. I was advised both times that I called that it was applied and that I had meet the qualifications and that I just needed to be patient and wait for the 4 week processing time. I called again after 4 weeks and I am now being told the code wasnt applied to my account. I opened my new Truist account on XX/XX/2023 using promo code XXXX. XXXX account was linked for opening deposit and authorization given for transfer on XX/XX/2023. Test Deposits received off XXXX and XXXX received on XX/XX/2023. Deposits verified on Truist.com on XX/XX/2023 {$1800.00} direct deposit was received on XX/XX/2023. This was the first qualifying deposit. {$1800.00} direct deposit was received on XX/XX/2023. This was the second qualifying direct deposit. XX/XX/2023 was the 4 week time frame quoted to me to receive the bonus. I have a screenshot at the time of the application showing the promo code attached. I am happy to provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: They closed my account without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: The Original creditor has failed to show proof of the original signed documents ( CONTRACT ) for the vehicle. per the FDCPA and the Law of being granted XXXX days to prove the original debt and my original wet signature. I did not sign anything therefor I want this taken off of all Credit reporting agencies. I AM SEEKING RESTITUATION IN MONETARY GAIN. I never signed any information or paperwork on any vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened up a checking account with Truist for a {$400.00} offer if I met certain terms. The terms were to deposit {$50.00} when opened account online : I did that. The other terms were to complete 2 direct deposits totaling {$1000.00} or more. I set up direct deposit and deposited {$500.00} each pay period. When I checked, it said the offer never applied. I opened a complaint with Truist and they told me their promotions team would open a research request. I member of the team called me and told me that I do in fact qualify and have met the terms but that the promotions team has a major backlog of items to go through. I was told 25 business days for a resolution. Those 25 days ended XX/XX/2023. I reached out again and was told it would be an additional 25 business days to research why the promotion didnt apply, even though it was confirmed by their team member that I have met all qualifications. They are asking me to keep the account funded with the money until they can get around to the request. Which is an additional 25 days. This is misleading and the fact that they have a major backlog means that they have done this to several other people. I see ads for them promoting new offers and they should not be advertising something they do not intend to deliver to their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29405
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have XXXX Hard Credit pulls on my credit reports that I did NOT authorize or give them my SS to do so. XXXX XXXX XXXX - XX/XX/2023 and XXXXXXXX XXXX XXXX ( XXXX ) - XX/XX/2023 I called both and they cant remove or have no idea if or how they did it. I did NOT give out my SS online and I did not authorize ANY banking institution to pull my credit. Please remove these from my Credit bureau as it has affected my credit which I am trying to rebuild after a bad divorce.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My bank account was hit for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Truist bank has falsely advertised a checking promotional offer that states consumers get {$400.00} when you open a Truist Bright, Truist Fundamental or Truist Dimension checking account and receive two qualifying direct deposits totalling {$1000.00} or more within 90 days of account opening. Checking bonus code is XXXX I opened an account in XX/XX/2023 and in less than 90 days I met all the requirements. Ive called my branch where my account originated and the promotional department in Truist. I spoke with several representatives and supervisors in XXXX, XXXX, XXXX, XXXX and XXXX of 2023. All of which stated that I met the requirements and should receive the {$400.00} bonus. First it was stated that I should receive it in 7-10 business days then the last supervisor I spoke to said my complaint would be reviewed and credit can take up to 29 business days. Since my initial complaint, it has exceeded 29 business days. It has been more like months. The disclosures, account opening documents and information has not honored and there has been a complete lack of transparency and truth regarding the checking promotion and the terms and conditions. The last supervisor I spoke to said that she would forward a complaint and that someone should contact me from the bank. No one as of this date has contacted me, which is terrible customer service and very misleading.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08611
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A