Date Received: 2023-07-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: MY PHONE & WALLET WERE STOLEN. AFTER STOLEN SOMEONE USED MY XXXX XXXX TOO SEND XXXX $ to themselves TRUIST IS BEING UNFAIR BY NOT RECOVERING THE FUNDS FOR ME SFTER I SUBMITTED A DISPUTE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79107
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My Suntrust Truist checking account has been blocked since XX/XX/XXXX. I have no access to the funds in that account since that date. My pay direct deposit of XXXX from my employer XXXX was deposited on XX/XX/XXXX. My account was positive ( not overdrawn ) at the time of that payroll direct deposit. I can not withdraw or move funds, though my statement and online banking shows a balance of {$1700.00}. I have had no access to {$1700.00} of my money ( from my pay ) for over 17 months! On XX/XX/XXXX, I visited the Truist Branch ( old XXXX XXXX XXXX branch ) in XXXX XXXX, FL ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). Branch XXXX XXXX XXXX ( Phone : ( XXXX ) XXXX ) said there was a fraud investigation on my account and they could do nothing. She stated the investigation could last over 30 days, and that they ( Truist ) would determine if they wanted to keep me as a client or not. I have called the Fraud number repeatedly ( XXXX ) but have been told each time to go to a branch for resolution. In XXXX of XXXX I called every day, only to be met with 4 hour wait times, to be told to go into a branch. I have visited my local Truist branch six times in the past 17 months. Each time, the bank officer has made phone calls to corporate to get the hold removed, but on no occasion have they been successful. Each time, they have told me that they would call me back with their findings, but they never called me back. The address of that branch is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Phone # ( XXXX ) XXXX. I have received no letters at all from Suntrust or XXXX about an investigation, or time line of it. According to my statements, my checking account still has {$1700.00} in it, but I can not access it. I understand that the account is closed, however it is still showing a balance of available funds of {$1700.00}. I need a bank check from XXXX payable to me for the full amount of {$1700.00}. I am in extreme financial hardship and I need access to that money now. If I can not get access to that money, I will have a significant mental breakdown.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had a joint account with Regional Acceptance Corporation that was charged off XXXX. Per my credit report, it states the debt owed is {$3000.00}. This debt is not reported on my spouse 's credit report It was a joint loan ), and they are not responding to calls at XXXX to obtain a copy of the debt so I can try to settle the debt. I have left messages on the general voicemail and a message with XXXX XXXX, the XXXX XXXX. This is not my first time trying to settle this debt. I tried to resolve this debt in XXXX, XXXX. I have tried to dispute the debt, and they report back to the credit bureaus but not to me. I want them to respond to my inquiry and see if an arrangement can be met. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX Acct # XXXX last XXXX XXXX Joint with XXXX XXXX XXXX XXXX Any assistance or guidance is appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Truist Bank promises a promotional offer of {$400.00} for certain checking accounts if the user completes at least two qualifying direct deposits, totaling {$1000.00} or more within 90 days of account opening. I completed those criteria, but was denied the reward.
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: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. My credit will not be penalized for the late payments caused by Truist Bank 's failure to calculate all the fees. This was a mistake on the company 's part, not mine. The reported late payment amount of {$66.00} was a result of their negligence. I contacted Truist and authorized the automatic deduction of that amount due from my account. However, they failed to include it in the total due, leading to my late payment being reported. I was unaware of this fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with customer service
Subissue:
Consumer Complaint: Truist bank Mobile deposit XX/XX/XXXX - on XX/XX/XXXX between XXXX and XXXX XXXX I made a mobile deposit for a check for {$2900.00}, Ive been with bb & t/truist for over 8 years and also have my auto loan through them. Money goes in and out of my account every month to atleast pay for my car loan and Ive done multiple mobile deposit before. The have put an administrative hold on the check and says that my money wont be available until XX/XX/XXXX. I dont see why there is a hold being that the check is from an insurance company to pay for a comprehensive collision I was in. My car is currently needing to be paid for, I have to get to work I have bills to pay and also Im struggling at that so it doesnt make it any better. That means I would have to struggle to go and make my money for the day cause I wont be able to get my car for another week! Ive called this on XX/XX/XXXX and the first represntive told me that my money was deposited on XX/XX/XXXX and should be in the account on XX/XX/XXXX, I was a little skeptical about that because Im clearly looking at the app and mobile deposit receipt and it says XXXX so then i decide to call a few hours later with little to no help at all and was told the check has to be verified first and would have to wait to access any of my money. This isnt the only problem every time I try to send money to my checking account on truist the payment fails but works with my other bank chase. I get that there could be good reasons for this but seemingly everyone has been having this problem since a the merger with little to no help putting them in tonight positions and something should be done about it. This is really giving me a debate on Wether to continue banking with truist or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: Attempted to purchase an item online on XX/XX/2023 Total of sale was agreed upon, {$550.00} Request from the seller to use XXXX or XXXX, I opted for XXXX Made the payment and called to release the money on XX/XX/2023 On XX/XX/2023 was notified of additional {$800.00} shipping insurance, which I declined and realized I was getting scammed Called XXXX immediately to cancel payment because MY Truist account showed the payment as pending and the woman that I spoke to at XXXX told me that it was pending in my account as well as who I sent it to, but that I would have to wait until Monday XX/XX/2023 The payment was still showing as pending on Monday. Called Truist and was told I had to wait until the payment cleared, which I did. Called Truist on Tuesday and was told that unfortunately the payment was made and that I needed to file a scam report with them, which I did on Tuesday XX/XX/2023. Received an email from Truist on Wednesday that I was denied any monetary compensation because I approved the release. While I understand my foolishness and take full responsibility, I am very disappointed that I took the steps immediately to cancel this payment and got no help from XXXX or Truist. Please communicate to banks to insure people, most importantly seniors ( of which I am ) that these transfers are final so that others do not get trapped like I did. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Suntrust XXXX XXXX XXXX and for the last 2 months the amount due shown in the credit card app has been incorrect. I have paid the amount due on time and have been charged a late fee each month. The representative this time has indicated that I can not trust what the app says and that I need to pull my statement and pay what it shows is due on the statement. They have not been able to provide any explanation for why the two amounts do not match. After the first months issue, I did call the customer service line on XX/XX/23. I was told my account still reflected a {$40.00} balance and that it was incorrect. They said the payment had been misapplied and a form was being submitted to fix the issue. I was provided submit ID XXXX. I was told not to make the {$40.00} payment. On XX/XX/23 I was charged a late fee. On XX/XX/23 I called customer service again. I was told the previous rep was incorrect, and I needed to make the {$40.00} payment. I made the payment on the phone with that rep immediately but was told they could not waive the late fee. I then made my XXXX payment as represented in the app. On XX/XX/23 I was charged another late fee. On XX/XX/23 I called again and was told that the amount I needed to pay was actually {$170.00} not {$40.00} and they could not waive the fee even though I was provided incorrect information. I have filed complaint # XXXX. Suntrust is deliberately displaying incorrect minimum payment information to the consumer in their payment app in order to defraud the consumer and charge illegitimate late fees. And then they are falling back on the consumers need to review their statement for accurate minimum payment info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Sheffield financial co account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XX/XX/2022 I paid off my loan with Truist for my XXXX. I paid it the same day that I requested a payoff. They have refused to release my title. I get a monthly statement from them that says the balance is {$0.00}. Total amount due {$0.00}. I would appreciate any help having this resolved and me receiving my title. I have been to two different branches asking for help. I did recieve a letter from a lady at Truist four months ago. I have called and left several messages and she will not respond to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A