Date Received: 2024-02-07
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: I have been waiting for this refund check since XXXXXXXX XXXX XXXX I have reached out ti Truist countless times to see where the check is. They claimed to have mailed 2 checks out, but they keep sending it to an aold address. I ha XXXX given Truist the new address several times when speaking to different people that has assured me that the new address is on file. I am tired of calling and dealing with this situation. ALL I WANT IS MY GAP REFUND CHECK! XXXX has paid Truist so Truist needs to pay me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against [ XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. On [ XXXX 2024 ], I notified [ XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 XXXX and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that [ XXXX XXXX XXXX XXXX, and XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that [ XXXX XXXX ] complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by [ XXXX XXXX XXXX XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My business checking account wirh Truist Bank was placed on hold the day after I made a check deposit and once the bank sure they received funds for the amount of {$10000.00}. When asked for the reason u was informed by branch manager it was because check was suspicious for check Fraud and that is was not a valid check. When asked about my balance for my account today XXXX/24, they informed me it was negative {$200.00} however when i was informed by Triust bank yesterday XXXX/24 i was informed that my account has positive balance and that they are manipulating the front end system to show a balance that is not accurate. I also wanted to note this is a new business checking account and account has been opened for less than a month with several transactions such as deposits, withdrawals and transfers made with no issues with account until i made that deposit for $ XXXX. I also found out that my debit card was blocked the day.my account was opened and I was neither informed and had to find out myself when account was closed. I suspect the bank intended to Block my account since day it was opened ( debit card was blocked since account was created and opened, account was put on hold and proven due to check fraud has no evidence or basis. ) 2. Truist bank is manipulating and inaccurately reporting funds and available balance in their front end system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have never applied for any vehicles since 2012. Its someone that showed me recently all the inquiries that i have on my credits reports and i was shocked because i dont recognized any of this. please help me remove them because i never applied for any vehicle and dont have current vehicle linked on my credit. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I went into a forbearance in XX/XX/XXXX due to an unexpected XXXX that left me out of work until XX/XX/XXXX. I was told by Truist I had to reapply to the same program ( loss mitigation ) to start a modification to resume payments. After months of waiting for a response, I was told my application expired because they did not have time to review it and I had to start all over again. This went on for the entire year. Finally in XXXX XXXX I received a modification offer that included a Deed of Trust for approximately XXXX XXXX. Before Truist received my signed agreement, Maryland HAF program offered me {$60000.00} ( XXXX XXXX of which would be a Deed of Trust to be repaid ) and contacted Truist on my behalf. Truist informed me that previous modification package was null and void, they would subtract the {$60000.00} from my current mortgage and rewrite my modification offer. That never came. In XX/XX/XXXX I received a new modification offer but it did not include the deduction of the {$60000.00}. I was told they would investigate and contact me. There have been hundreds of calls between us but still no answers. I recently found out, Truist placed a XXXX XXXX Deed of Trust on my house back in XX/XX/XXXX. Why would they submit that to be recorded when that modification package was null and void? How can you process a Deed of Trust but not the modification? If I had not pulled these records, I would not have even known that Deed was on there. I also have a Deed of Trust from Maryland HAF program for XXXX XXXX. Maryland HAF has confirmed that Truist cashed their check for {$60000.00} ( in XX/XX/XXXX ) that should have been applied to my account. I will attach both Deeds of Trust. Recently I received another modification offer from Truist that still does not show the {$60000.00} credit and they want to put an additional Deed of Trust on me for over XXXX XXXX I am not sure if this is pure negligence or intentional criminal activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Charge off-Regional Acceptance-Certificate of indebtedness This account has been charged off and is considered a certificate of indebtedness. Per 26 CFR 108, IRC section 108, and 29 US code 108- a certificate of indebtedness is considered income and income can not be reported on my credit report and must be removed. Under IRC section 108, and 26 U. S. Code 108-income from discharge of indebtedness, a taxpayers cancellation of debt is included in gross income unless specific exceptions apply. Inaccurate reporting 15. U. S. Code 1681e Compliance procedures. Regional Acceptance is being inaccurately reported between XXXX and XXXX. There are multiple discrepancies on my credit report under the sections for High Balance, Last Payment, Date of last activity, Date Opened and Date Reported. Per 15 U. S. Code 1681-Contressional findings and statement of purpose section A : Accuracy and fairness of credit reporting, The congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. ( b ) It is required that the consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, and other information in a manner which is fair and equitable to the consumer with regard to confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter. Due to the discrepancies across all 3 credit bureaus, section 1681b of 15 US Code are in violation of compliance procedures. Right to opt out-Law 15USC-6802-6805. Privacy act of 1974 Per the FCR Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Regional Acceptance has never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission and this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of Regional Acceptance reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XX/XX/XXXX I purchased my 2nd vehicle from XXXX XXXX. I went back because my first truck was perfect never had any problems. this particular XXXX XXXX was perfect so I thought, I trusted this company, since I had been there before, and they reassured me that they do a full check on all of there vehicles, and I was getting a great deal. 6 months into the loan, the XXXX had major problems, from key not working, computer issues, fuel injection problems, transmission issues along with faulty brake system starting to happen. I took the truck to several places, and they stated i got a bad deal, the truck was totally patched up, and I should trade it immediately. Finally I stopped driving the truck, and stopped making payments until I was able to come to come to an agreement with the finance company, who I explained what was going on, where the truck was, could they work with me? They where only concerned about the payment, not that the truck as no longer running. ( Regional Acceptance Corp XXXX NC ) .after 8 months I told them I would have to do a voluntary Repo, if they could not put off payments until the dealership came to resolution about selling me a LEMON , because of my age I feel this is predatory lending. They knew the truck had water damage and other issues, and sold it to me at 28 % interest. I believe they where working together. ( XXXX XXXX and Regional AC ) To make a long story short, they picked up the truck with NO NOTICE, No correspondence for a repo was ever given or sent. The first letter I got ONCE the car was picked up was XX/XX/XXXX, " you broke a promise '' so we picked up the truck '' that was sold to me for XXXX and it would be sold on or before XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they sold the truck for XXXX, and I still owed them XXXX in interest. This is Predatory lending at its finest, I want all information removed for ALL credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: {$1400.00} was taken from my account back in XX/XX/year>, I got a call from a supposedly Truist representative, but it turned out to be a scam, but dont know why theyre refusing to refund my account. The scam came from North Carolina, Im in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a joint account with my son XXXX XXXX XXXX ) was a minor. When the account was opened, we opted out of overdraft protection. He has been having trouble canceling reoccurring debit card transactions. He already opened another account and moved all the funds to his new account and his joint account was {$0.00}. I confirmed when I called the Truist call center yesterday that the account was still opted out of overdraft protection. I asked why they approved a debit card transaction if we removed all the balance from the account prior to the debit card transaction since the overdraft protection was opted out. They stated they still approve reoccurring transactions. I asked them to provide a credit for the amount of the transaction ( {$23.00} ). They said they could not do that and could not dispute the transaction. I explained I didnt want to dispute the transaction. My dispute was with the bank providing an approval code for the debit authorization to the company without a sufficient balance and overdraft protection opted out. They should provide the credit themselves as it was their error. They said they could not do this. I transferred the money to my sons account so he did not receive an overdraft fee of {$36.00}. This is an unfair and deceptive practice and needs to be fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Truist Bank concerning a series of issues that have left me in a challenging situation with my account. I set up a bank account with Truist Bank in late 2023 with the intention of receiving a check from a family member to fund my return to college after an extended break. On the third day after depositing the check, I received notifications via email and mobile indicating that my account had been locked due to alleged fraudulent activity. Upon visiting the branch, I was informed that the account lockout was linked to an issue involving an outstanding debt of no less than {$150.00} to a different bank, dating back almost ten years. I was provided with the number XXXX to submit a consumer report, which I promptly did. Several weeks later, I received the consumer report in the mail and brought it to the branch. Despite multiple visits and discussions with Truist Bank associates, the issue remains unresolved. I have been denied access to my account, which holds a significant sum of {$5000.00}, and I am unable to withdraw funds. The ongoing investigation has persisted for five months without a satisfactory resolution, putting me in a position where legal action may be the only recourse. I kindly request your immediate assistance in addressing this matter and ensuring a swift resolution to the ongoing investigation. This situation has caused undue financial hardship and has hindered my ability to continue my education. Your prompt attention to this complaint is greatly appreciated. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A