Date Received: 2024-02-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: last spring i closed my Truist credit card. i went online to download my XXXX statements to help w my income tax return. My account was not listed -- just a XXXX XXXX savings account. I contacted Truist to get electronic access to my XXXX statements : FROM TRUIST XXXX : Account and Credit cards that have been closed will no longer show within the online banking, however I can put in a request to have those mailed to you. I do have to mention there is {$5.00} fee for each statement copy. The cost may also include a {$25.00} per hour research fee for retrieving older statements from storage. Or you can make the request to have them printed at your local branch. Would you like for me to proceed with ordering the statements? The statements would have become unavailable after the credit card account closed. HUH? as soon as the account was closed my statements were NO LONGER AVAILABLE? in the SAME tax year?? Im sure that was buried someplace in XXXX point font in my user agreement!! but this is crazy! im not asking for my records from XXXX!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My XXXX XXXX was repo from my home XX/XX/year>. I seen the Repo truck pull up and i told the driver to stop and not touch my car and i called Truist to make a payment even though I recall speaking with someone before about payments. The rep was unhelpful and I asked what is the amount I need to pay in order to keep my car. The rep stated that I will have to pay the entire past due amount and i agreed. The Repo company continued to connect my car after telling him I was on the phone with the company ( which is illegal in SC because it is breachof peace. ) I told the rep and he stated that he can not tell the repo company to stop if he already started even though the Repo company started after i was already talking to the rep. I was going to pay {$1400.00} roughly my past due amount and the company than refused to accept my payment. The call was recorded. The rep stated that I will have to pay storage fees plus past due amount even though the Repo company said if Truist tell them to drop the car they would right than. This company intentionally had the towing company take my car refuse payment so i filed a report with SC department of consumer affairs and the company responded that I would now have to pay {$3100.00} to get the vehicle released. This company intentionally ignored SC repo laws as well as charges late fees repossession fee and principal reduction payment in order to add up more fees and collect more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29644
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon checking with my credit union. I have discovered many hard inquiries on my credit report that I did not authorize. I have only financed through my credit union. These items are inaccurate. I did not authorize. I have not financed anything through these companies or given them consent in any way I am disputing and requesting that these items be removed from my credit report. Here is a list of unauthorized inquiries : XXXX, XXXX, REGIONALAC, XXXX XXXX, XXXX, XXXX XXXX XXXX of XX/XX/2022. Please investigate this matter and delete as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I JUST CAN NOT BELIEVE WHAT I HAVE BEEN GOING THROUGH WITH THIS VA HOME LOAN SINCE 2008. I WAS JUST PUT TO THE RINGAR LIKE I WAS A PIECE OF FABRIC IN A WASHING MACHINE BEING DRIED OUT. I WAS TEXTED BY A VA REP THAT TOLD ME I HAVE A TERM OF 449 MONTHS, THAT`S 37 YEARS. YOU THINK I AM HAPPY YOU ARE PUTTING MY FAMILY THROUGH THIS GOT ME IN A XXXX XXXX TO WHAT THE CFPB IS SAYING AND THAT`S A VIOLATION. IN 2008 MY LOAN IS FOR. {$250000.00} MONTHLY PAYMENTS OF {$2000.00} FOR 3 YEARS THEN YOU DID YOUR KIND OF REFINANCING. AND I HAVE A DOCUMENT THAT SHOWS THAT ALL I PAID IN 3 YEARS WAS JUST {$4200.00} IN PRINCIPAL AND {$66000.00} IN INTEREST PAYMENTS. THEN YOU SWITCHED THAT OUT AND GAVE ME A LOAN FOR {$240000.00}. THAT WAS JUST A ONLY INTEREST LOAN. AND WAS A VIOLATION OF THE FAIR LENDING ACT. VA LOANS ARE NOT JUST INTEREST-ONLY LOANS AND THE PRINCIPAL IS SUBJECT AFTER 5 YEARS TO A ANNUAL DECREASE OF THE LOAN. MY LAWYER IS TELLING ME THAT I PUT THE MONTHLY PAYMENTS INTO AN ACCOUNT AT MY BANK TILL THIS ISSUE IS SETTLED, CAUSE RIGHT NOW I DO NOT KNOW WHERE MY PAYMENTS ARE GOING. CAUSE THIS FORGED BANK STATEMENT YOU HAVE THE INTEREST RATE AS 3.750 % BUT A DOCUMENT THAT MY LAWYER HAVE FROM A REALTOR HAS 5.125 % AND ON THE 2008 LOAN THE INTEREST IS 6.125 %. I SHOULD HAVE HAD SOME LIENS ON THIS LOAN BUT YOU CAN`T PUT LIENS ON XXXX XXXXOR VA LOAN ESPECIALLY VA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
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 the loan or lease
Subissue: Billing problem
Consumer Complaint: Statements are not being produced on a monthly basis. Im not able to get updated payment information online. This company also doesnt have a procedure to submit principal only payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95336
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed auto loans that I didnt even know about and also unauthorized stuffs that I never knew about. XXXX XXXX XXXX so im XXXX XXXX. I never give permission to those people to run my credit
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: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The Bank Regional Acceptance has different contract dates in their database than showing on my orignal agreement. In addition to this after reviewing this contract, my signature is not present in all places required. When visiting the orignal dealership where purchased, the finance team and managers were totally confused and stated that I should contact my attorney. I am requesting that this loan be removed from my credit file as dates and the overall numbers of the contract are conflicting. Regional acceptance is showing XXXX payments remaining and no term in months. Please remove from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35209
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Truist took control of my checking account and locked me out, not allowing me to make deposits or withdrawls, or ability to use my own money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2024, I received a call purported from XXXX XXXX ( The Power Company ) claiming my power was scheduled to be disconnected within the hour because of non-payment. I told them I am on auto pay, so the account should be current. They claimed there was an issue with my auto pay that my bank was supposed to have called to alert me of this situation. This was in the middle of a snowstorm. They said the only way to stop the disconnection is for me to go to XXXX to make the minimum payment to avert the disconnect. She gave me this number XXXX, to call when I am ready to make the minimum payment so the account can be credited appropriately. When I contacted the number, everything sounded legitimate with XXXX XXXX. They texted a couple of codes to present to XXXX in order to process the payment for {$2000.00} and {$500.00} for a total of {$2500.00} at XXXX. I then asked the cashier at XXXX if that code belonged to XXXX XXXX, and she answered in the affirmative. I then proceeded with the payment using my debit card with Truist. I called the number back, and they claimed they didn't see the payment and would go ahead with the disconnection. I decided to look for XXXX XXXX 's phone number independently of the one that was given to me. On calling XXXX XXXX, they confirmed the call didn't come from them, that my account is current, and that no disconnect is scheduled at my address. They asked for the number that called, and I gave it to them. I immediately contacted XXXX customer service to inquire where the money went. She said it went into a XXXX XXXX account. I immediately called XXXX XXXX to stop the payment. The agent gave me a case number of XXXX and promised to stop the fraud, since I called within minutes of the transfer. I immediately called my bank, Truist, to alert them of this fraudulent activity and requested the transaction be stopped or denied. The agent said they couldn't stop it while the transaction was pending. That they will file a claim after the transactions had posted. Additionally, on that day, XX/XX/2024, I went into Truist Branch on XXXX XXXX XXXX, XXXX VA XXXX, to report the case. The account manager in the first cubicle assured me that the fraud would be stopped once the transaction was posted. On XX/XX/2024, I noticed the transactions posted on my account. Since I didn't see any reversal of these transactions, I filed an online fraud claim again on XX/XX/2024. I then followed up with a call on XX/XX/2024 to Truist Fraud Department to check the claim status. I was then informed that the claims had been denied because my card was present and with me when the transactions were initiated. I contended with the agent that these transactions were fraudulent and that they could have stopped while it was in process. I contacted Truist to prevent the fraud, and Truist did nothing or took action to deny the transactions. Instead, Truist told me to wait until the fraud had succeeded, at that point they would file a claim against the other financial institution. At this stage, all I have received from Truist is runaround and denial. The bank gave me false hope that the fraud would be prevented since I alerted them while it was in process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22556
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My right to privacy is violated when private information is disclosed without my express authorization, and the transaction does not adhere to the Truth in Lending Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A