Date Received: 2023-07-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My checking account showed a available balance of {$200.00} and I checked everything and all of my debits had gone through and everything was as it should be so I thought that I got a refund from a credit card company that said they were refunding money for a fee I paid in XXXX. So I paid my credit card connected with Truist {$27.00} dollars because there was money in my account and then the next day there was no money in my account and my bank charged me an NSF fee so I want to know why they keep doing this to me. They show that my account has money and its still is in there 2 days later so I assume that I have money in my account they let me make charges and then they charge me an NSF fee and the money I thought I had in my account magically disappears. I feel that this is a scam and I feel this should be illegal. They are doing this to deliberately cause people to incur NSF fees and I think this is outrageous and they need to be stopped because they keep doing this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28677
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Notice of Agent I was Denied a loan application which is against the equal credit opportunity Act, I'm granting the company the right to extended credit to me therefore they have no right to deny a natural person. I am not a borrower and and I am credit worthy, further more my credit was used and I received no benefit from the use of my credit, an inquiry was placed on my consumer report which is a receipt of transaction meaning someone was paid off of my credit and I received no benefit at all ; in fact damages have been done from the denial of my rights mentally and financially. I have been discriminated against in pursuant of my right to receive credit 15 U.S.C. 1691 ( e ) ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. there is no law for reason of denial, for the damages that have been to my mental distress and financial reputation as I take my consumer report and life seriously. I will take this to a further federal level if my request to open an account in which an adverse action has taken place is not granted. I'm aware of my open ended credit plan and my right to contract unlimited without being denied, I demand your company reinvestigate this matter and abide by federal law and open up the account in which I have extended credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92277
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I sold my home earlier this year with the transaction closing on XX/XX/XXXX. All balances were settled at closing including all escrow items. Therefore, my mortgage company, Truist Home Mortgage, was supposed to refund me the escrow balance of {$4300.00}. To date, I have not received this balance due to me. I have attempted to resolve the issue 3 times, 2 by phone ( XX/XX/XXXX and XX/XX/XXXX ) with customer service and once at a branch ( XX/XX/XXXX ). -The original check allegedly sent never arrived. On XX/XX/XXXX, customer service said they would stop payment and reissue the check. -On XX/XX/XXXX, the reissued check arrived badly damaged and possibly tampered with. -On XX/XX/XXXX, I brought the check to a branch and was informed that they could not deposit the damaged check. They agreed to contact the mortgage escrow department and have the check reissued. I requested that the bank find another way to deliver the funds ( issue a check in branch, send express mail, wire transfer ). I was told the escrow department had to issue a check for accounting purposes, but if there is a problem next time, they will look into it. I requested this be expedited as it had been over a month since closing. -On XX/XX/XXXX, I called customer service to complain after having not received a new check and requested to speak with a manager. The bank rep said a complaint was generated and a manager would call within 48 hours. That time has lapsed and I dont have my money almost 2 months later. What is particularly galling is that everyone I spoke with from Truist made a point of saying it is not their fault what happens in the mail. However, it is their fault that they were repeatedly notified of the problem and failed to adjust how they deliver my money some other way. I also note that it says on the damaged check envelope, Mortgage - Cash Operations notifying criminals that there are funds in the envelop. Please help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX I noticed that payments that I had previously made to my truist account were not allocated as I intended. The payments were supposed to be toward principal only and were not. I spoke to customer service who stated that they could retroactively reallocate my payments to make them principal only as I intended. This process took about a week for the company to complete. As a result of this process it appeared as though I had late payments even though I did not. There was a lump sum due after all the corrections were made which i paid immediatly. I received a call from truist collections department at least once per day during the week these changes were being made telling me I was delinquent. Every day I explained the situation to a different person in the collections department who ensured me I would stop receiving calls, only to get another call the next day. I was concerned that these alleged late payments were going to be falsely reported to on my credit report which I was reassured that they would not be. In XXXX I started looking for a house to rent due to an upcoming move to a different state in XXXX for work. I checked my credit score to fill out a rental application and noted that my credit score was over XXXX points lower than I expected and had multiple late payments reported by truist. I called customer service at truist who reported to me that they show no late payments in their system. I have filed disputes with truist and the credit bureau and was told my disputes would take 30 days to resolve. This false reporting has severely damaged my credit and has put me in a position where I may not be able to obtain housing as a result. I don't have 30 days to wait for this error to be corrected. Truist has been unable or unwilling to do anything to assist me in getting their error corrected in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I flew out to XXXX XXXX on XX/XX/30 and returned on XXXX. My account Was debited {$330.00}, {$340.00} on XXXX from floor and decor in XXXX va. Upon receipt Of the notification on my phone I called the bank on XXXX and let The bank know that I was in XXXX XXXX and they advised I had to wait until the transaction posted. On XXXX the transaction posted and I filled a dispute. My dispute was denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I contacted Suntrust, which is now truist back in XXXX about fraudulent activity involving XXXX purchases, I never made. My case ID was XXXX. I was later told my claim was denied and my account was closed shortly there after. They say one has nothing to do with the other, but its there bank and they can close an account at their discretion. Fine. However, I have been fighting for going on XXXX years with XXXX to retrieve my funds back. I filed an FTC report, XXXX report, etc. finally as of Friday, XX/XX/XXXX, of XXXX, an XXXX corporate office representative called me and expressed their remorse, they looked into everything and said, they would be more than happy to return my funds, however, they never received a chargeback request from Suntrust now truist. Thats right for 2 years I have been in the battlefield fighting to get my funds back from XXXX, and my bank at the time, NEVER even sent a chargeback request to XXXX on my behalf. Furthermore, the agent verified that the address the items were being sent to, was different than my address I gave. The agent said their was very little they could do, without receiving something from my bank at the time SUNTRUST ( XXXX ). I worked my butt off for my money and Suntrust did an independent investigation, and not once did they request anything from XXXX, or request a chargeback. The XXXX agent said they cant just issue any refunds because it has to come from the bank, and i definitely understand that. This entire time Suntrust had me thinking XXXX denied my chargeback. Ive spent XXXX years learning and understanding the banking system, just to figure out how to retrieve my hard earned funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A teller from the XXXX texas branch gave out a temperory credit card with my personal account numbers for my business on them. ( XX/XX/1922 ) i notified the office there when i was notified by the Pennsylvania branch that activied my account atm withdraws were happing in Texas with them knowing iam in XXXX at the time and just left office days earlier in PA as were were discussing business.i have filed complaints on the account. The teller who isssued my personal account numbers to a card without any knowledge cost my account XXXX and several overdrafts and i was forced to withdrawl all my money except a few XXXX because of fear it would be taken.i would never give anyone access to my personal account for my business and i had a balance at the time of XXXX a simple mistake by that teller giving out the wrong routing number and not making the complints to make it right and accepting resonbilbility has cost me money time and countless phonecalls to the instituation and staff of the bank.iam a publisher with SESACand have been with the bank for years. i think i should be able to trust they can make the right decision with my money. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I started working with XXXX delivery and was told I already had a Branch bank account set up but I have not been able to get into it. The bank refuses to help me and the XXXX company has nothing to do with it. I have been reaching out for two weeks. I have a XXXX XXXXXXXX that was deposited on XX/XX/2023 as well as a week before and have yet to see my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have request that Truist does not contact me for any reason. They refuse to stop e-mailing me. I sybmitted a complaint on XX/XX/XXXX, I emailed XXXX XXXX ( CFPB employee ) and XXXX XXXX ( Trusist employee ) on XX/XX/XXXX and XX/XX/XXXX after I started receiving e-mails again from Truist. I started receiving e-mails again today. I simply don't understand what it is going to take to make this stop. I'm done playing games.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Since XXXX i have had issues with paying my car note in full. I have had issues where there has been multiple fraudulent bank transactions amongst a company wide theft at my place of employment. To note I have been sick and having medical complications. I have asked that I get an extension due to my information being stolen and used. I am waiting on a XXXX dollar provisional credit from my checking account. I am going through a lot of investigations regarding my personal account information. Others from my place of employment have suffered as well. I asked Regional Acceptance Corp. to hold off from repossession seeing I have been a victim of theft and fraud twice in 3-4 months. They informed me that because I broke my first agreement, due to me being in the hospital, they could not pause the repossession. I stated funds would be available on Friday and within, another 3 business days. The woman I spoke to said try and borrow the money until I get the provisonal credit. This is violation and discrimination against my situation and circumstances. I have documented information and receipts regarding this hardship I have faced and still facing. I need this company to understand if there is an active investigation going on in regards to theft of personal property as well as identify theft, why would you try to still responses. Not once did anyone say let me get a copy of your documents. No one has helped me or tried to. Circumstances happen, and this one is one that I can not control. I need some help getting justice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A