Date Received: 2023-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I financed a vehicle with BB & T/Truist . The vehicle was traded in. BB & T/Truist reported a late payment on my credit which would not be possible because it was traded in and paid off. I later found out that BB & T/Truist did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit in error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For over 15 years i was a client of Sun Trust. Once the bank change and merge with the other bank everything changed, I had an account by myself. My personal account was hacked, I have made that clear to everyone i have spoken to at Truist. Someone in XXXX hacked my account, The bank then goes in a freezes my account. So no other funds will be compromised. I then find out that Truist goes into my joint account that had NOTHING to do with this and they froze that account and closed it. They ( Truist ) took {$1400.00} dollars for my joint account. I called and went to the local branch, and they turn around and say that i knew about the fraud! Them freezing my joint account which was used to pay my normal bills, turned into a complete disaster, The more i pleaded my case with them, the more they did not assist. My understanding they are insured for this type of issues, along with if there system was working properly it would not have happened. I have submitted complaints on line to the bank and i have recieved XXXX information, besides they do not want us as a customer any longer. I have and will continue to post comments about them on social media until my issue is resolved and my {$1400.00} is returned to me. How can i file a formal complaint and charges against the bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I HAVE CALLED OVER AND OVER ALONG WITH SPOKE TO REPS IN REFERENCE TO MAKING MY PAYMENTS. MY LINE OF CREDIT PAYMENTS WAS PAID MORE THAN THE DUE AMOUNT TO PAY AHEAD AND THEY WAS NEVER APPLIED TO PREVIOUS MONTHS AS REQUESTED. ( EXAMPLE MY MINIMUM PAYMENT IS {$25.00} SO I PAID {$100.00} TO PAY FOR THE NEXT XXXX MONTHS AND THE ENTIRE {$100.00} WAS APPLIED. ) MY CREDIT CARD I ADVISED THEY LOCKED ME OUT OF ONLINE SO I HAVE NO ACCESS TO LOG ON TO PAY WHICH HAS BEEN ADDRESSED OVER AND OVER. WHEN I ATTEMPT TO CALL TO MAKE PAYMENTS IT DOES NOT ALLOW ME TO MAKE PAYMENTS. THE LAST REP OPENNED A TICKET TO HAVE THE LATE PAYMENTS REMOVED AS TRUIST ERROR. WHEN I VISITED THE BRANCH AS ADVISED I GOT NO HELP AND WAS SENT WITH STILL NO RESOLUTION. I HAVE RECEIVED CALLS DURING WORK HOURS WHICH I EXPLAINED I CANT GET PERSONAL CALLS LEADING TO ME BEING TERMINATED EFFECTIVE XX/XX/XXXX. TRUIST XXXX XXXX REPS KEEPS ADVISING SUPPORT CAN HELP AND THEY HAVE NOT BEEN ABLE TO HELP. THE REP DID COMPLETE A FORM TO HAVE MY LATE FEES REMOVED AND REPORTING ON MY CREDIT BUREAU
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hi my Truist bank account was closed due to overdraft fees. it was {$56.00} XX/XX/2022 I called them on XX/XX/XXXX and now they say I owe {$320.00}. I asked for a statement stating proof of that and the could not provide the evidence. Instead they assisted that I pay the full amount even though there wasn't any bank statements provided. I understand that if there is some form of indebtedness there must be accurate information. If I can't get this proof from XXXX bank then I need my account unblocked. It has damaged my reputation and I can longer open any bank account. Please remove the {$320.00} if you can not show how it got to this amount. ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since the day Truist bought Suntrust I have had problems almost every month. I NEVER had a single problem with Suntrust until this. I continually get accounting inaccuracies, threatening mail indicating I owe more than I do, confusion over my payments, flow days. I am told almost monthly I owe more than I do since my payments are almost never acknowledged. Customer service has been hostile, rude, vindictive, hard to understand, unable to process basic XXXX and many times just hangs up. Last time I had a problem like this it was with XXXXXXXX XXXX. Later they later failed as a company with all 50 attorney 's general filing a Complaint. This company appears to have the same attitude, disregard and violent attitude towards clients. I owe a miserable XXXX XXXX and like last time have NEVER been 30 days late or even close but they continually act out in this manner. I have written them and/or called them dozens of times to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Debut card case # XXXXXXXX XXXX I had several unauthorized transactions with a merchant called XXXX, which whom XXXX have an account. Those transactions were never authorized by me. I file a dispute with Truist Bank. They denied my dispute because I previously have authorized this merchant to debit my account therefore I do not have any right to dispute any transaction with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: When I opened my account with Truist bank, I tried to first do it online. It gave me a screen that the request could not go through and to come to a bank branch to open an account. I went to the bank in person and was helped to open an account online. I was first attracted to open the account due to an advertised banking bonus offer. After opening an account, the banking XXXX ( XXXX XXXX XXXX ) told me that I already had an account open the same day. So my attempt online was successful even though it never notified me that it went through online of gave me information on the account online. So it deceived me online and I never knew it was open. He closed the extraneous first account in the branch and told me it should not affect the bonus offer. I met the terms of the bonus offer- including the opening deposit and direct deposits, but it was never deposited. The banking offer eligibility website kept saying pending even after weeks and gave me no information on why eligibility review was pending. I called customer service at least 3 times and kept gettin a different response on my the bonus did not come through. The first 2 times it was that it took more time for it to some. The final time they told me to go into the branch to discuss. I went into my local branch twice but the bankers would not talk to me because I did not have an appointment but it does not allow you to make same day appointments. I am concerned about the deception with opening the account online and not notifying me it went through and was open and also with the not granting the bonus offer for opening the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Opened account with SunTrust inXX/XX/XXXX and have made regular payments. I am based in XXXX and account was maintained satisfactorily. SunTrust became Truist and I wrote to them on XXXX XX/XX/XXXX asking for advice re future payments and obtaining a PIN. No response so wrote again on XXXX XX/XX/XXXX enclosing copy of previous letter. No response so wrote again on XXXX XX/XX/XXXX enclosing copies of previous letters. No response so wrote again on XXXX XX/XX/XXXX with copies of previous letters. No response so wrote again ( fraud department ) on XXXX XX/XX/XXXX again enclosing copies of previous letters. No response so wrote again on XXXX XX/XX/XXXX enclosing copies of previous 5 letters. Still nothing.
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: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Truist on XX/XX/2023. As the screenshot said, I had until XX/XX/2023 to fund the account or it would be closed. I updated my direct deposit from my job to be deposited over into this new Truist checking account. So I went in Friday into the mobile app on XX/XX/2023 to make sure it went over correctly. It got the notification from the mobile app that my account had been locked for security purposes and that I needed to call them. I called them, there was nothing they could do online and that I needed to go into a branch. So I went into the branch on XXXX XXXX XXXX in XXXX, SC. I spoke with a banker who looked into my account and said it was closed for no reason. She called another Fraud line within Truist who also said it was closed for no reason and that my paycheck shouldve been kicked back to my company. After speaking with my company, they said Truist accepted the funds and has not sent them back. So Truist is holding onto my funds illegally and Im missing money due their incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had nonstop issue with Truist Mortgage. Every month I pay they claim I am a month behind in payment which my XXXX bank statement shows I have paid every month. They continuously charge me late fees because of. Now they are saying I am behind my XXXX payment. They billed me XXXX times in XXXX. First payment they kept ( which XXXX bank even has acknowledged that Truist took payment ), second payment I called them and they credited me, third payment I disputed with bank and XXXX credited me. Truist claims they credited me twice and I still owe them a payment. XXXX looked and said Truist charged me twice and only refunded me one time. I have spent HOURS on the phone with Truist with multiple people and have sent them my XXXX bank statements showing them that I am up to date. Even my Truist page shows I have made all of my payments. I am really concerned this will get to my credit reports. I am at the point I really need some external help with this situation. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A