Date Received: 2023-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to deposit a check from another bank into this bank and they suspected it as being fraud. They have been holding my check for months even after I provided several documents proving the funds belonged to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Received a direct digital advertisement to open an account for a {$400.00} reward. I applied and received an error stating they cant open my account and I should call or go to a local branch. Few minutes later, I received an email congratulating me for opening the account and inviting me to set up the online banking, I tried to enroll online I couldnt so I called in to see whats the deal and the agent was able to help me get an online banking and cleared the issue. To satisfy the requirement to earn the {$400.00} I needed to do {$50.00} initial deposit which I did via XXXX and set up my direct deposit which I switched through my employer. About ~week or so after I logged in online to see if I received my direct deposit and when I tried to log in my account was locked and provided me with a number and when I chatted with an agent they had to transfer me to the enterprise fraud dept in which they informed me that my account is set to be closed due to fraud and theres no way for me to have the account open ( which was completely fine with me but I was worried about my deposits ) I inquired about my direct deposit and she said you will need to take care of that through your employer, and I will need to reach out to XXXX to get my {$50.00} back. I asked her about the fraud if im a victim of fraud or im being accused of committing fraud she said I cant tell you but youre not the victim. I called in my employer and the HR dept they said thats not how it works the bank should be rejecting the ACH so we can get it and deposit it in your account and we havent received it back from them yet. So I had to file a claim through my employer to go and request the funds back in which took couple days to be received and deposited in my account. Then couple weeks later I received my closes account statement from Truist and it showed that they charged me {$12.00} maintenance monthly fee for not meeting the minimum balance. Its an account that I was told it will be closed and I should be getting my money back, I called XXXX about my funds and they told me that i will need to get my money from Truist directly. A local branch called me to cross sell me a credit card so I explained to the banker my life story and he asked me to come to the branch and he told me the issue is that because I used to be a customer over 10 years ago with BB & T and I had a different name in the system and closed the account LONG time ago, I have changed my name legally and theyre pretty close to each other but mo one asked me if I have changed my name or asked for further documentation. I went to a local branch and spoke to the branch Leader, XXXX, who tried to help but the XXXX XXXX XXXX told him the account is on hold and they wont be able to release the funds until the investigation is over, he asked me to leave to not waste my time and he would call me back in a few day to follow up. He called me back to to tell me the account is cleared to close and he will be able to refund the funds. I went back to the branch but the branch leader was not there and the banker said the hold is back on the account they might be able to close it but cant refund me the {$12.00} fee. Its extremely frustrating to keep eating my lunch break to go to the branch to get turned away. The banker asked me to come back when the branch leader comes back as hes not allowed to call the branch leader once he steps out of the branch. I went back few weeks later and the branch manager was busy with a customer for thirty mins and the banker was not able to help and I was assessed apparently another {$12.00} fee and now I have {$26.00} in my account. I was super frustrated as no one can help me and I left. If you count the hours I spent on dealing with all agents and going to the branch from the mins I attempt to open the account until now it far exceeded the value of {$400.00} rewards they claimed to reward new customers plus Im out {$50.00}! This is by far the worst experience Ive ever had.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
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: 2023-07-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After discovering the status of this collection for {$18000.00} again with regional acceptance recovery team. The company pulled the date back from the collection agency in XXXX per the collection agency. I was not notified to give me no update. The company is still trying to collect on a charge off and has failed to steal update and report illegal voluntarily repo car on the interest-bearing loan to collect and keep me in debt, causing hardships to my life as a XXXX person. I have made numerous attempts to contact the Recovery Dept only getting voicemails and the runaround about the status of this collection. I have felt with the CFPB3 times to ask this company be investigated for the result of this death in collection written off that needs to be investigated. The company keeps sending a letter heads trying to show accuracy of a collection. They are refusing to communicate on and accurately update with volunteer information on the status in timeline of how this collection was handled. I am asking again to CFPB thoroughly investigate all employees and departments regarding this collection from XXXX to XXXX. I attempted to reach out to the corporate office in CEO no response I have continue to call all collection agency to have documented. No evidence of the collection in the office anymore. I have continuously call regional acceptance, Recovery Dept Ill need to get thrown around on the status of this I have also notified FDICN, the chief financial legislation, and now the state Attorney General office to have this matter reviewed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34982
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My credit report reads a XXXX balance and I am still being contacted and harassed by mail for payment of this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: fraudulent use on my TRUIST debit card for $ XXXX XX/XX/XXXX and XX/XX/XXXX XXXX truist denied claim saying one of the transactions used my PIN therefore the transaction was authorized which it wasn't there were numerous suspicious transactions on those dates i would get an alert from truist did i make this transaction and i responded NO.When i spoke with TRUIST today to inquire about the status of the investigation they told me it was denied and that I needed to prove it was not me making those transactions I spoke with several people in the fraud department at truist and no one was able to tell me how I was supposed to prove it wasn't me. I live in XXXX and was at work on the XXXX. The transactions were made in XXXX NJ. I've never been there never heard of it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than 36 inquiries to be removed. Its be more than 3 months and the inquiries still remain on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Around a year ago I had multiple XXXX transactions. I went to the bank and they said that the transactions were approved by my phone number and that it was done through my phone number which after that they said if I want to investigate that further I had to call customer service. when I called customer service they open the claim and they started looking into it. But after that, I had severe problems with online banking anything that would happen in my account, I will get kicked out or logged off. I wouldnt be able to reset my password. Any time I went inside of the branch there has been nothing they couldve done. They always say wait 24 hours and then I had multiple transactions that have been frozen as well as direct deposits and I did not know that until I asked at the branch what is my balance and it did not match up with the logic of how much money I have there because that certain point I gave up on trying to get back into my online banking. For the past month Ive been promised multiple times to get a meeting with the manager to figure out everything thats happening in my bank at this moment and multiple times I had cancellations and nothing has been done or resolved about this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: When I moved to Florida a year ago I opened an account with Truist Bank for myself and my daughter. The account was set up that they would withdraw XXXX dollars from my account and into her account every other week when I am paid. My daughter transferred money from her account to mine, Truist sent it twice making her account negative. We didn't notice and the Bank never sent us notice about. The Bank left her account negative and then closed it without communication yet again and withdrew the negative balance from my personal account making it negative. They never stopped the transfer of the XXXX dollars afterwards either. So XXXX dollars was taken from me while this account was closed without notice. When I went to the Bank to resolve this on the XXXX of this month the XXXX dollars was still visible on my app showing it was there. I have screen shots. The bank specialist I sat down with had to call for permission to give me my money back. Was told NO and then I was told they can investigate the issue but I was going to have to PAY for them to print out the paperwork for this. So the bank wants me to PAY for a investigation for misappropriation of MY money that THEY did with zero communications into THEIR negative practices with the money and trust I gave them when I signed up. I probably wouldn't have been has mad had I not logged into the app TODAY and saw that the XXXX dollars now is mysteriously missing on the app now. I guess they didn't realize that you can take screen shots of the app. This was only XXXX dollars but to a single mom with a dependent that's a weeks worth of food that is ripped from us. The Bank should know better then to do this to low income families who trusted them to protect their money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A