Date Received: 2023-07-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was alerted that there was fraudulent activity on my card. They immediately marked it, sent a new card, and said to shred old one and they would close the account. They never closed the old account so I now have two statements each month. One is for charges that were fraudulent and the account has a negative balance. The new account has a credit for the same amount. Instead of combining them and closing, they applied the credits to the wrong account so it looks like Im not making payments. I have called every month since this happened in XXXX. They tell me its fine and not to make a new payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28326
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist bank is NOT reporting the information accurately to the different bureaus. Truist has NOT followed reasonable procedures to assure maximum possible accuracy of the information concerning my credit report. How can they report inaccurate information and different information to each bureau? Truist bank did not process the payments as set up on their bank platform. The problems with their banking platform were on the banks end. It was bank error. Truist did not process payments in a timely manner after XXXX. I had to resolve the issue over and over again. I have never had a problem like this before with a bank! Please remove the information from my credit report. I am very upset.This was bank error. The information is not being reported accurately. I have tried talking with Truist to resolve the problem and the bank has been rude and unhelpful. Please remove the information being reported to the bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97225
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I went to the ATM at my local Truist bank and tried to deposit money. First I put in {$500.00} dollars then it I went to put in {$2000.00} in {$100.00} dollar bills. So after it took the {$2000.00} the money went in like it did with the {$500.00}, but then it didnt take the deposit and started to give me my money back. It gave me around {$1200.00} then the slot closed and then opened again and gave me another {$200.00}. It kept doing that a couple times and I only ended up getting {$1800.00} of the {$2500.00} I put in the ATM. After I got the last bit of my money that it gave me it then shot out a processing error ticket and my debit card. I quickly tried to get a picture of the message that popped up on the screen but did not get. I only got a picture of the ticket hanging out of the ATM and the message on the screen disappeared. One that happened and I got the error message it gave me I called the number provided on there. ( Also the time off when this happened on the ticket says XXXX XXXX ) I then filed a claim with them to reimburse my {$700.00} dollars that was stolen from me by the ATM. It has now been 13 days and I have received an email saying they will not honor the {$700.00} dollars they stole from me. I dont know what to do now or what direction to go but in. I feel hopeless that I will never get my money back. I dont see a world where the small guy wins.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 256XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone impersonated a Truist bank employee to get our information out of us. They sent us passcode notifications to " verify '' who we were. They even had the Truist bank music playing in the background. She identified herself as XXXX XXXX from XXXX XXXX. Her number was XXXX XXXX supposedly. Over XXXX was taken and spent on transactions that we did not authorize. There was a name of XXXX XXXX that was used to send XXXX payments. ( unauthorized ) All transactions started on our card in XXXX florida. She also made online bank accounts on my husband and I. She was very convincing that she was from the bank. Maybe she had someone helping her or she worked for them before. Calls took place on the weekend when no one is available to help at the bank. dates were XXXX XX/XX/23. Monday morning came and she was still calling to get info out of us. I went to our local branch, and the bankers called her from my cell phone. The lady from XXXX XXXX told them that they were fraud. Truist is refunding our money but wanted to report this so it doesn't happen to someone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I received an email from Truist telling me there is a problem with my checking account. I have never heard of Truist and have no account with them. When I called the number provided, XXXX, to report there maybe a phishing scam, I needed to provide an account number or ssn in order to report fraud. I have no account THAT I KNOW OF and want to be certain no one opened an account in my name. I refuse to enter ssn to an entity I do not do business with, so they would not take the call. So this is twofold : has my identity been used to open a fraudulent account and are they aware of a potential phishing scam in their name? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: 33615
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I called Truist bank for a payoff on my loan on XXXX The number provided was XXXX and was good until XX/XX/23 I mailed a check for that amount on XX/XX/23 They received my check on XX/XX/23 On XX/XX/23 they sent me an invoice for an additional XXXX I have called 7 times and each time they claim I still owe them XXXX The invoice they sent me shows principal payment of XXXX and interest payment of XXXX for total of XXXX which is amount I paid The last call they told me that the payoff amount they quoted must have been incorrect - even though it jives with the XX/XX/23 statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I sent a letter on XX/XX/2013, attempting to close a secured VISA credit card account. The card was secured by a special savings account designated for that purpose and contained {$400.00}. The balance on the credit card was {$390.00} and was current at the time. The bank has since charged interest and late fees causing the balance to rise to {$430.00}. They have placed the account in their collection department and are telephoning me and emailing past due statements. They are also reporting my account to the various credit reporting agencies as past due. I have tried to resolve this matter in writing and by calling their customer service department. The person I talked with on the phone says that the {$400.00} is simply not a deposit but a credit line. She would not accept the fact that it is money that I deposited and refused to help me. I am XXXX and XXXX. I can not go to a local branch because there are lines and I can not stand in line to wait. I have XXXX XXXX XXXX XXXX and recently had XXXX XXXX XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX filed a complaint with CFPB stating I was unable to close account due to being out of area for business for an extended time period. The CFPB case XXXX was then given a Truist case number # XXXX and was assigned to XXXX XXXX XXXX. After reviewing the account issue, on XX/XX/, Truist officially responded and closed my account on XX/XX/. Also, in this response, I was sent a letter stating that the initial deposit of {$250.00} will be refunded back to me with a check within 7-10 business days to the address on file. On XXXX, I called Truist to inquire about the missing refund check and a supervisor told me that the account was closed but did not show the date when the check was mailed out. She also told me that she will contact me by the end of the day with a follow up. I did not get a call back. On XX/XX/, I sent an email to XXXX XXXX XXXX requesting for assistance with my refund check. I did not get a response email. On XXXX I called back to Truist customer service line and spoke to another supervisor and she told me that I would have to go into a local branch to receive my refund since they could not cut me a new check. She also told me that she will follow up with me at end of day to see what options they could do. I informed her that they could return it back the credit card that I used to fund the account or send it to my current location since there is no local Truist branch. That follow up call back did not happen so am reaching out to get this issue to move forward and be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There is a old debt that keeps appearing on my credit report. The company responsible for this debt is XXXX XXXX the account is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35404
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A