Date Received: 2023-07-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have tried to update the name on my checking account in the past, but Truist is uninterested in updating the name on the account without me driving hours to their bank. Now that I can no longer lock the account through their app and my financial safty is at risk, I want the account closed now more than ever. So today, XX/XX/2023, I tried to close the account in question. However, Truist will not close my account, despite me offer to furnish the court order denoting both names in question and the connection between them, and refuse to work with me to establish this connection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received the attached letter datedXX/XX/XXXX from XXXX in which they stated they would close my account and mail me the remaining funds. I deposited {$50.00} in this account when I opened it. 10 business days was last XXXX XX/XX/XXXX and it has been 1 week without any update from the company as to my requests to provide a closing statement or return my funds. The funds have also not been returned to the originating institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Spam calling every XXXX days example called on XXXX and XXXX XX/XX/2023. I have called the company 3 times explaining that I have had this phone number for XXXX XXXX and I was not the person they were looking for. This has led to nothing but more phone calls that wont stop. Below is the text of the calls as I refuse to answer any calls from this company anymore. The following is a pre-recorded message this message is from XXXX XXXX at regional acceptance corporation calling with important account information please contact our office toll-free at XXXX at your earliest convenience again our number is toll-free XXXX regional acceptance is located at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX thank you for your attention to this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit to truist bank for {$4000.00} and they locked my account and wont give me my funds. They told me to step into the branch I did they told me to get proof where the check came from so I reached out to XXXX bank and got a statement stating they sent me the check once I received the statement I took it to truist and they still wont release my funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29532
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Truist Bank issued a XXXX XXXX to me, that I never requested or received. Fraud charge of {$20.00} was placed on this new card. I was at the bank when we discovered it, reported it to credit card department # XXXX & reported that it wasnt me, I NEVER HAD THE CARD. Closed the account right then and there on XXXX XXXX. Since then with multiple calls from my bank & me to this agency. NOTHING HAS BEEN DONE!!!! Except added late charges to this closed/frozen account ( now charges are $ XXXX ) ALONG WITH MY CREDIT SCORE GOING DOWN FROM XXXX to XXXX as of XX/XX/2023!!!! I keep getting the run around on this fraudulent charge and Now its missing with my credit rating.. Can you please assist me, Im getting no where but, do have a Claim # with the credit card company. They said it should take 2 bill statements to clear up but, you can see its been almost 3 months & ruining my life & credit!!!! The credit card company is now calling me for late payments!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
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: 2023-07-17
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XX/XX/XXXX I was charged twice for an item XXXX. Then I returned the item getting a credit of XXXX. I never received the funds for the double draft. I contacted Truist via the XXXX number and submitted all of the fraud claims paperwork via branch and asked them to close down my account due to this being the second time I had fraudulent activity within 30 days. My claim was denied after multiple attempts. Then my account began getting charges. On XX/XX/XXXX I was charged twice for account access fee of XXXX for XXXX and XXXX. Then due to having no funds on my account which should have been frozen I was charged {$72.00} in insufficient funds fees. This totaled XXXX. Upon paying this I was assured that my account was made current, frozen and no more fees would be assessed. That I could go into the branch to close my account but in 30 days it would close due to inactivity. On XX/XX/XXXX I was issued a check on auto draft to the closed account. I contacted the XXXX branch and was told my check had been deposited but the location of the check was unknown. Meaning I could not receive/ cash it. On XX/XX/XXXX My check arrived at XXXX XXXX XXXX missing {$73.00} charged as a recovery fee. On XX/XX/XXXX I went into the XXXX branch and I was notified that my claim was denied and a charge off was made on XX/XX/XXXX for XXXX. XXXX ( employee ) Contacted the corporate office via phone on XX/XX/XXXX three times each time they hung up on her. She stayed in the branch until XXXX and she stated that the next business day she would contact them and find out the cause of the charges and why I was not contacted about my check being received, garnished, and mailed. As well as to what the charges were for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I bought a home in XX/XX/XXXX and it is currently being serviced by Truist Financial. I found out that none of my property taxes had been paid around XX/XX/XXXX and called immediately. They discovered that they had been paying my neighbor 's taxes and " handled '' the problem. I asked for a written explanation of the resolution so that I could understand what was done and verify that I was taken care of properly. I never got the explanation. I called back a few months later and they agreed to send the resolution agaun, but they never did. In XX/XX/XXXX, Truist told me that they projected an escrow shortage of - {$1700.00} and that my monthly payments would be increasing by {$200.00}. There was no explanation of why. I called again to try understanding where these numbers are coming from. I can explain about {$600.00} of the {$1700.00} shortage as supplemental taxes were paid by Truist, but not the remaining {$1100.00}. It took multiple calls, but they eventually opened another case in XX/XX/XXXX to help me and escalated it. On XX/XX/XXXX, I missed the call from a Truist supervisor who was finally going to explain everything. She left a voicemail simply stating that they were originally paying my neighbor 's taxes and that they are now paying the correct parcel number. All of this is information I've had for months and doesn't help me at all. They left no callback number and have made no effort to try calling me again. I feel completely helpless in this situation as I have to re-explain my problem every time I call and I have been promised help or follow-up calls that never happen. It's completely unethical to raise a monthly payment without proper explanation, especially when it's directly related to the financial institution 's initial blunder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never completed an application for anything from this company. I called them and let them know it was fraudulent activity and nothing was done. This needs to be taken off my credit report. For date XX/XX/XXXX, XX/XX/XXXX. My rights are as followed. 15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX at about XXXXXXXX XXXX I went to XXXX on XXXX XXXX and attempted to withdraw {$400.00} using my Truist atm card at the XXXX terminal. The machine did not dispense but my account was debited. I immediately called Truist to inform them of my situation in which they gave me a provisional credit. On XX/XX/XXXX I received a letter from Truist that they investigated and the credit will be taken back from me. So I tried to call XXXX but they wont help me because its not their card. What can I do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17701
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
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: A fraudulent charge was put on my account. I reported it the next day. Agent credited the charge, closed the account, opened a new one and then debited the charge again on new account. I called over 30 times and filed a complaint with you. They provided an invalid response, and credited an XXXX charge from XXXX which was not part of my complaint at all. That XXXX charge was reversed by XXXX and did not need crediting back to my account. This is another example of the fraud or incompetence going on with this bank. The letter I received in response to my complaint states the second account will remain open until the fraud charge investigation is resolved. It has been 4 months. How long do you allow a bank to take to resolve a fraudulent charge. They sent me a copy of a letter I never received from them, saying I would not be responsible for the fraudulent charge while it is being investigate, but they are placing late fees, collection calls and interest on the remaining balance. Clearly, this ageny wasn't able to help me and I am sure there are many little people out there who are being robbed by this bank, just like me. To protect my credit, I had to pay the balance I don't owe. I want to know what is the resolution to Truist Case # XXXX and why I am being charge finance charges and late fees which must be credited when this is resolved. This claims is over almost 150 days old. What is the law regarding consumer disputes and failure to respond by credit card companies? I also want to know why they credited {$34.00} to my account for Truist Case # XXXX, when XXXX had already realized the duplicate charges and reversed their own charge. They didn't bother to even look at the account, they just returned the {$34.00} without any investigation. However, the other is pending 150- days. Now, Truist owes money to XXXX as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A