Date Received: 2023-08-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: After researching, Truist Bank XXXX XXXX Bank ) violated 12 CFR 1006.6 Commnications in connection with a debt collector ( 4 ) ( ii ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) Procedures for email addresses/Procedures based on communication by a creditor. I will attach a copy of the email sent for supporting documentation ( ii ) Procedures based on communication by the creditor. ( A ) A creditor obtained the email address from the consumer ; ( B ) The creditor used the email address to communicate with the consumer about the account and the consumer did not ask the creditor to stop using it ; ( C ) Before the debt collector used the email address to communicate with the consumer about the debt, the creditor sent the consumer a written or electronic notice, to an address the creditor obtained from the consumer and used to communicate with the consumer about the account, that clearly and conspicuously disclosed : ( 1 ) That the debt has been or will be transferred to the debt collector ; ( 2 ) The email address and the fact that the debt collector might use the email address to communicate with the consumer about the debt ; ( 3 ) That, if others have access to the email address, then it is possible they may see the emails ; ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and 5 ) The date by which the debt collector or the creditor must receive the consumer 's request to opt out, which must be at least 35 days after the date the notice is sent ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, consumer, XXXX XXXX, submitted applications for a consumer credit transaction to obtain a vehicle for personal, family and household purposes. Pursuant to the Equal Credit Opportunity Act, Federal Reserve Act and Truth in Lending Act, corporation illegally denied an extension of credit to the consumer. REGIONAL ACCEPTANCE CORPORATION sent consumer on XX/XX/XXXX the first of three denial letters providing evidence of discrimination. REGIONAL ACCEPTANCE CORPORATION was put on notice on XX/XX/XXXX with the first notice of dispute sent to XXXX XXXX in XXXX, NC, XXXX XXXX XXXX : XXXX Consumer submitted her third and final consumer credit application on XX/XX/XXXX and was notified by the dealership that she had been discriminated against for a third time. At that point the consumer reached out via telephone and eventually spoke with center manager, XXXX XXXX. XXXX XXXX forwarded an email to XXXX XXXXXXXX, Operations and Process Improvement Manager who caused a letter to be mailed to the consumer and continued to facilitate the discrimination against the consumer. Letter was dated XX/XX/XXXX. Consumer provided a final notice XX/XX/XXXX allowing XXXX XXXX to respond by XX/XX/XXXX. Consumer reached out to XXXX XXXX who stated that her response was under review and XXXX XXXX was notified that CFPB and FTC Complaints would be submitted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This was an unbelievable story. Truist Bank ( formerly Sun Trust ) ran a campaign to raise deposits, offering bonus to customers when new checking accounts are opened. I opened an account on XX/XX/2023 online, deposited {$50.00} as required via a credit card. I then followed up with direct deposits from work. But the direct deposits were denied and I was told by their Fraud department that my newly-opened account had been closed and that Truist had the right not to provide any cause. I have an excellent credit score of about XXXX by three major credit agencies. I do not understand why they closed the account, which may hurt my credit score. As to the {$50.00} initial deposit, Truist said that they could not credit it back to my credit card. They could not mail me a check either. The only way that I could recover the {$50.00} is to travel to their branch, which is about XXXX miles away. Is Truist Bank running a scam? They ran a campaign to attract new customers, then closed the accounts and refused to returned the initial deposits with easy and routine methods. The responses were terrible. I had to call 5 times to get their responses. They all promised to call me back, but no one did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I had a scheduled payment to Truist Bank from XXXX XXXX XXXX for {$900.00} for the XXXX mortgage payment that is serviced by Truist. On XX/XX/2023 XXXX XXXX called me asking for the payment. After staying on the phone the agent noted that Truist could not 'find a home ' for the payment and 'sent the money back ' to XXXX. XXXX shows no record of the money being returned to them. I made an ADDITIONAL payment directly online with Truist for the required payment. On XX/XX/2023 I called Truist to see what the status was and the agent XXXX ( XXXX and XXXX ) gave me a different story saying that the money was no longer at Truist. I pulled in XXXX XXXX XXXX on the phone and they show no return of the payment. ( XXXX ) Ever since Truist took over the servicing from XXXX XXXX, problems have persisted. They call and show no concern for issues on their end. They always give a different story and don't care about solving it on their end. Only requiring me to make more payments, when I am trying to get the money I have already sent them accounted for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80550
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Auto debits were taken out of my account even though it was no money in the account. There was XXXX debits taken out, which resulted in XXXX {$36.00} charges ( {$100.00} ). When I did not pay the overdraft fees in XXXX days I was charged another {$36.00} for a total of {$140.00} in overdraft fees. I went to the bank ( XX/XX/XXXX ) to see if I could get any help or get one removed, after waiting over a hour I was told no. I paid the fees so I wouldnt get anymore fees. I asked to close the account that day as well. On XX/XX/XXXX I was charged a {$1.00} service charge for prior period. I have never heard of this charge before, I went to the bank on XX/XX/XXXX to ask what the fee was for and the teller said it was unusual and did not have or offer an explanation. I paid that fee. The account was still not closed on that date. I have since called to get account closed and Im awaiting documentation of closed account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29301
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid an account with Truist via their online portal for the full amount on XX/XX/23 for {$2700.00}. SunTrust did not process my payment timely. I called SunTrust on XX/XX/23, concerned that my XXXX payment wasn't processed as made XX/XX/23 the next business day of XX/XX/23. I called in the payment to a representative since the payment portal would not take my monthly payment. The XXXX payment was submitted to a representative who did not see my account ending in XXXX on her system. The monthly payment was confirmed on XX/XX/23 with transaction # XXXX. I did not get an email notification of the error payment made by Truist for {$380.00} or the actual payment I authorized on XX/XX/23 of {$2700.00}. The Truits online payment portal is malfunctioning, processed payments that are not authorized {$380.00} ), and it does and did not notify me of payment in time to correct and make sure there is no late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist refuses to stop emailing me, received an e-mail from them this morning. This is my 3rd complaint with you. The last, which was " resolved '' for this very same issue was on XX/XX/2023. The mental stress and anguish that this is causing is simply overwhelming. Is CFPB not the proper place to be making a complaint? If not, please let me who I need to contact for help. Do I need to file a lawsuit for harassment? I'm not sure what to do from here and not sure what the CFPB is doing if anything. Truist needs to stop harassing me and they simply need to be held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit report shows an inquiry on XX/XX/2023 from Regional Acceptance. I have disputed the inquiry twice prior to this and the company claims there is no inquiry on my report. They have requested my credit report to further investigate although I provided a screen shot from XXXX of the inquiry. The inquiry remains on my report. I never requested credit from this company, nor did I allow permission to this company or any other to obtain information from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I went in to my bank ( Truist ) to make a deposit with a XXXX XXXX XXXX cashier check ( XXXX ) to make a deposit. The clerk and manager told me there would be a 7 day hold because its considered a check. I spoke to customer service as well as the branch manager and they will not release my funds until XX/XX/XXXX insisting the reason was a cashiers check is treated just like a check. I explained its not a check its considered cash. According to everything Ive read and have been told by other banking institutions that they shouldnt be putting a hold on a cashiers check. They will not release any part of the funds until that date. Ive never had any issues with any other bank depositing cashiers checks. The manager at the location I deposited the cashiers check said it was because there are too many fraudulent cashiers checks. XXXX XXXX XXXX told me that its cashiers checks have watermarks and theyre not likely to be fraudulent and they could have verified it with XXXX XXXX XXXX . Truist in my opinion should not be treating a cashiers check like a regular check. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I got a notification that a new debit card was being mailed out on XX/XX/22 from Truist to an address that was not my home. I called them and dealt with their team to take appropriate actions and updated all of my account info. They took no money, but a week later tried to open another account in a different truist branch
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20164
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A