Date Received: 2023-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I HAD BEEN APPROVED FOR THE XXXX XXXXXXXX PROGRAM TWICE. NOW BUT YET TO GET ANY ASSISTANCE, I HAD BEEN IN TALKS WITH XXXX XXXX. WHO I CONTACTED LOSS MITIGATION AT TRUIST TO LEAVE .XXXX XXXXXXXX A MESSAGE TO CALL ME BACK AND SHE DID IF NOT THE SAME DAY BUT SURELY THE NEXT. SHE INFORMED ME THAT SHE HAD SPOKEN TO THE OTHER MANAGER AND THEY AGREED TO ACCEPT ,48 MONTHS OF PAYMENTS AND THE REMAINDER WOULD GO ONTO ANOTHER MODIFICATION, WHILE TELLING ME AND I QUOTE '' XXXX XXXX YOUR SITUATION IS GOING TO CHANGE TREMEMDOUSLY ' END QUOTE SHE TOLD ME TO CONTACT HER AS SOON AS I HEAR FROM THE PROGRAM I EVEN CALLED TRUIST AND GIVING XXXX XXXX MY NEW NUMBER WITHIN THE NEXT THREE WEEKS I HEARD I HAD BEEN APPROVED I IMMEDIATELY STARTED LEAVING HER MESSSAGES AND CLIENT SERVICES SENT HER AN EMAIL FOR HER TO CALL ME AND I NEVER HEARD BACK FROM HER AT ALL UNTIL AFTER THE PROGRAM HAD SINCE CLOSED AND I HAD WROTE A LETTER TO THE CHAIRMAN AND CEO OF TRUIST. HER NEGLIGENCE AND UNSCRUPULOUS ACTIONS COST ME 48 ; MONTHS OF MUCH NEEDED ASSISTANCE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29720
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: Getting a line of credit
Subissue:
Consumer Complaint: I open a business account with Truist bank I spoke with business department to apply for their No/Doc line of credit in which I was totally eligible for.the first issue was instead of her just letting me apply she tried to get me to apply for loan that requires collateral after I tell her that not what I wanted she sent me an application for XXXX lower than what I asked after she finally fix that she sent email stating I was denied for delinquent credit history under law 15 USC 1691 ( a ) 3 I cant be denied credit or loan because law 12 USC 1431 Banks cant loan money they are borrow
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77091
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: My husband and I bank at Truist and my husband was convinced by a criminal that he owed money to a company after they convinced my husband he received a refund of {$6000.00}. My husband suffers from a XXXX. The account is a joint account. After withdrawing {$6000.00} in cash from our accounts and sending some {$2000.00} in 'gift cards ' to the criminal, my husband returned to our bank with {$4000.00} in cash and wanted to send that {$4000.00} in a wire transfer. XXXX, the cashier at the bank, recognized the signs of a potential crime being committed against us, and questioned my husband about this wire transfer request. Instead of checking with the joint account holder ( me ) after suspecting a crime being committed against us, XXXX took the {$4000.00} cash and sent the wire transfer anyway. When I returned with my husband after finding out about the missing funds, the branch representative shared many tales of similar situations of customers of their branch that had been defrauded- so they are aware that this is a major problem, but took zero action to prevent it in our case, and likely continue to allow this to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased a vehicle from XXXX XXXX XXXX in XX/XX/2022. They used Truist bank for financing. I returned the car the following day and my deposit was refunded via check on XX/XX/2022. That car loan of XXXX is still showing on my credit reports as open loan thats financed by Truist bank which is effecting my income to debt ratio. I have disputed this with all 3 credit bureaus. I have reached Truist bank and the dealership for past 7 months but this debt is not being removed from my credit file. Its showing as an open loan. Why is XXXX XXXX removing this from my file? I have messaged them multiple times with documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
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: Problem when making payments
Subissue:
Consumer Complaint: Problems with account I have recently resubmitted a payment that I made before. I had been in contact with a XXXX XXXX, but she will not be back until the XXXX of XXXX and I also don't know that she is in management and able to handle my request. Below our attached the proof of payment, and it was sent overnight. The payment was sent over a month ago the FIRST time, and the post office confirmed that it was received to the post office box address. ( It was sent priority mail with tracking. ) But, the company denies receiving it. I had to pay extra fees to resolve this situation, including express mail to send to you, as well as the price for a money order to be reissued. I have maintained receipts of all of the added expenses because of my The company 's losing the payment that I sent in. Attached are the proofs of payment FOR BOTH THE FIRST AND THE SECOND PAYMENT, as well as the price for a money order Trace to be refunded for the check that the company lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Account Number XXXX TRUIST BANK {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX did not credit my XXXX direct deposit for social security and XXXX to my account on the correct days. Since sending a copy of XX/XX/2021 prior to this complaint. I highlighted the date of XX/XX/2021 It now reflects credit dated XX/XX/2021. Proving there has been changes to my past records. In 2021 my social security differs from the Government disbursement dates. These dates are according to there statements listed today on line. LIST AS FOLLOWS. YEAR 2021. XX/XX/2021. XX/XX/2021. XX/XX/2021. XX/XX/2021. XX/XX/2021. These are reflected as current dates my Social security was credited to my account. These were not the days I received my check according to Social security Disability. I know these dates are not true because I rely on my social security every month to pay bills. I would have not have waited until the middle of the month. My account has been compromised incomplete statement dates, changing of credits and amounts, entire days removed from my checking account. Payments from XX/XX/2021 that was transferred from my checking to my savings account was posted as a payment to my mortgage account. I transferred XXXX to save toward the total balance that was paid off in XX/XX/2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: PROBLEM : Truist Bank wont let me transfer money from my accounts I left Virginia in the XXXX for XXXX on XX/XX/XXXX to be closer to my XXXX grand-kids then aged XXXX and XXXX in XXXX, as, aXXXX XXXX XXXX of age, I was getting too old for the stress of the journey back and forth across the XXXX. My address there was XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Before that, on XX/XX/XXXX, I informed my bank of almost 20 years, Suntrust, of my new address in XXXX, which was XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. At that time, Suntrust was in the process of merging with the BB & T bank to form Truist Bank. I was sent a Wire Transfer PIN number, needed for accessing my account, to my Irish address valid from XX/XX/XXXX to XX/XX/XXXX, and on XX/XX/XXXX, I wired most of the proceeds from the sale of my US house to my bank in XXXX in preparation for the purchase of a house there, leaving the account open and where there is currently about {$40000.00}. In XX/XX/XXXX I tried to wire money again but was told that my PIN number was invalid and that I should contact my local branch, which was now Truist bank. Nobody at the branch could help me with international wire transfers other than that I would have to visit the local branch and sign an application for a new wire PIN, despite the fact that I had a valid PIN and now lived over XXXX miles away. As my local branch staff couldnt help me, I was referred to their corporate customer service group. I spoke to a number of people in their customer service department who gave me the same advice, in that I would have to visit the branch and sign a form for a new Wire Pin, even for a cashiers check. On Tue XX/XX/XXXX, I emailed XXXX XXXX, the branch manager, asking for his help but got no reply. After literally dozens of transatlantic phone calls I finally spoke to a lady in their wire department who told me that it could be done remotely, and she emailed the instructions to me to pass on to my branch manager. She also told me that Truist had changed the procedure afte r I moved and had advised customers to apply for a new PIN at the address held by the bank for them. I have received no communication from Truist since the day I left, save for the regular email notifications of online statements availability with my new Irish address on them from XX/XX/XXXX. They also never sent me a replacement debit but every time I log on to their website I get a pop-up telling me to activate my card. I forwarded the instructions from the wire department to the branch manager, and he then replied to my email with the needed forms which I then had notarized, and sent the package back to him by registered mail. When I checked the tracking info the USPS showed undelivered as We tried to deliver your post at XXXX on XXXX XX/XX/XXXX. I emailed the manager to find out what had gone wrong, but he didnt reply. I phoned several times and left messages but got no reply. I phoned the lady in the wire department several times, and emailed her, but got no reply. I then duplicated the documents and sent them to a former neighbour and she delivered then personally to the branch manager on XX/XX/XXXX. I waited a month and phoned the manager on XX/XX/XXXX, and again on the XXXX, XXXX and left a message on voicemail for him but have received no reply. Since XX/XX/XXXX I have been trying to access my money at Truist to no avail, and now, to add insult to injury, theyve started levying service charges on each account, which Ive never had to pay before. US Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Irish address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, VA XXXX Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My spouse and I had an international trip planned in XX/XX/2022, which required using a credit card for the purchases for trip. Credit card company had locked credit cards= for suspicious activity for a {$34.00} purchase... locked both cards. However, during this time, the company also locked the accounts for new issued cards 5 times, leaving us without the use of a credit card for the trip, so we had to cancel the trip ... ..airlines, hotel, and rental car. We made several attempts on the phone, as well as 5 trips to local bank offices for resolve issues, but without any resolution even with local bank authorities, so we closed the accounts. After closing the accounts at a local branch, ( XXXX ), or at least we thought according to bank personnel, the credit card did not get closed by bank personnel. The company continued to leave the account open, generating service fees, as well as late fees. As with the credit card issues, we made countless trips to the local bank office, the account continues to be open, with delinquent fees. CC company has since turned the amount over to collections, where myself and wife get collection calls daily. Bank manager assures us the problem has been fixed, but when you check the account, the amount remains.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Truist bank offered a {$400.00} incentive to open a new account. I opened the account and scheduled a direct deposit of my SSN check. They closed account and kept my Social Security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A