Date Received: 2023-06-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called Truist. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. I also had an inquiry from XXXXXXXX XXXX I did not authorize. I was unable to get in touch with them by phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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: Subject : Inquiry Regarding Lien Status on Vehicle Dear Sir/Madam, I hope this letter finds you well. I am writing to inquire about the lien status on the vehicle, XXXX XXXXXXXX XXXX XXXX Plus XXXX # XXXX, which was previously financed through SunTrust Bank. I have been informed that SunTrust Bank and BB & T have merged to form Now Truist Bank. The purpose of this inquiry is to seek clarification regarding the current status of the lien on my vehicle. It has come to my attention that the debt associated with the vehicle has been written off by SunTrust Bank. A debt write-off is the accounting practice in which a financial institution recognizes a debt as uncollectible and removes it from their books as a loss. Given the debt write-off, I am interested in understanding the implications for the lien placed on my vehicle. In general, when a debt is written off, it typically indicates that the creditor no longer expects to recover the outstanding amount. Consequently, it raises the question of whether the lien associated with the debt remains enforceable. Therefore, I kindly request that you provide me with information regarding the current status of the lien. Specifically, I would like to know whether the lien is still in effect and, if not, whether it has been officially released or discharged in connection with the debt write-off. Any documentation or confirmation regarding the release or unenforceability of the lien would be greatly appreciated. Furthermore, I would appreciate an explanation of how the debt write-off impacts the enforceability of the lien. If the debt has been deemed uncollectible, it raises the question of whether the lien itself may be considered unenforceable or invalidated. Please inform me of any outstanding obligations or procedures that need to be completed to facilitate the release of the lien, if applicable. I am committed to fulfilling any necessary requirements to ensure the appropriate resolution of this matter. I kindly request your prompt attention to this inquiry, as it is crucial for the completion of the vehicle registration process. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. Thank you for your cooperation and assistance in this matter. I look forward to receiving your response and clarification on the lien status of the vehicle. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This is a follow-up to my original complaint filed on XX/XX/2023 as follows : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card or prepaid card ISSUE Other features, terms, or problems As I indicated in my feedback to this complaint, the answer provided by Truist was ludicrous and totally unacceptable. As a result, I used figures from their website for all my credit card statements since inception and the FACT is that they still owe me {$220.00} for rewards earned, but unpaid by them. This was NOT a system error, as indicated by my detailed breakdown of charges and rewards owed at 1 %. ( SEE ATTACHED DETAILED BREAKDOWN )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My brother died on XXXX XXXX, XXXX. He had an apartment in the District of Columbia. I am my brother 's last surviving kin and also the Personal Reprentative of his Estate in the DC Probate Court. I was not named the Personal Reprentative until XXXX, at which time I began trying to get through the process of Truist Bank 's Morgage Department to take over the loan. I learned from my brother 's credit report that despite being advised that my brother had died ( after I sent them his Certificate of Death ), on XX/XX/XXXX, Truist Bank closed my brother 's account and began the process of trying to Forclose. They would not communicate with me for months, despite my calling over 20 times, submitting all of the necessary paperwork, and trying to make payments. Then, in XXXX, they informed me that the apartment would be scheduled for a Foreclosue Sale. They finally gave me the name of the " XXXX XXXX XXXX '' that I needed to contact to deal with the situation. They forced me to make the payment below on XXXX XX/XX/XXXX, which I did. Payments : {$14000.00} Late Charges : {$740.00} Total : {$15000.00} Corporate Advances : {$1100.00} Title Costs : {$170.00} Attorney Fees : {$960.00} I was told the loan would be " reinstated. '' Its been almost two since I made the payment to reinstate the loan. I tried making a payment on XXXX and XXXX XX/XX/XXXX. On XXXX XXXX, I was told it had be reinstated by the Mortgage Loan rep, but that it still had to go through additional processing. On XXXX XX/XX/XXXX, I was told it was back in Forclosure. If Truist Bank is doing this to me, I believe they must be doing to others. When people lose a loved one, they want to grieve. I still have not been able to do so, because Truist Bank is trying to steal all of the equity that my brother paid into the loan. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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: XX/XX/XXXX : - Email received from Truist saying my credit card was now set up for XXXX XXXX. I did not initiate the request. - Separate email from Truist XXXX XXXX saying suspicious activity on Truist card - Called Truist the same day on the number to call if you didn't make the request. Told them the freeze the card and report it as fraud. XX/XX/XXXX : - Called Truist back due to no card received in mail and no resolution on case or contact back from Truist. Asked about late payments and interest fees they charged. They said they'd be removed once the investigation is over. They said not to pay the fraud amount as it's pending and they will refund it once it's completed. Asked for them to send a new card. XX/XX/XXXX : - XXXX is still pending. There are no updated on the claim. Still no replacement card received in mail. XX/XX/XXXX : - Claim has been denied. At this point, Truist representatives started denying to help me until I asked to speak to their supervisor. The supervisor escalated the claim for me and said the investigator/analyst will reach out in a few days via mail or email. Still no contact back from Truist. XX/XX/XXXX : - Claimed has been denied again. Asked for reasoning. Truist XXXX Department supervisor told me that it was denied again because the investigator/analyst said that the vendors in question said the card was present at the time of purchase. Reviewed charges with the supervisor, explained how I live XXXX miles away and was not there. Explained how I've had the credit card in my possession the whole time. Escalated claim again and said the investigator/analyst would reach out when they have made a judgment. Unauthorized Charges : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22.00} Total Fees and Interest Charged : {$140.00} Additional Notes : - Truist claims that the vendors say the charges are accurate because the credit card was present at the time of purchase. - I have been in possession of the credit card and have not been in the state the purchases were made. I'm located about XXXX miles away and was at work when the charges happened. - Truist does not follow up on fraud claims. I have to call the fraud department every time and escalate the cases. I've never been contacted by the fraud investigator/analyst like they say they will. - They are not comparing the purchasing pattern for the claim, such as types and amounts of purchases, with my previous purchases - They are not reviewing the place of delivery relative to my home or place of work addresses - They are not considering where the purchases were made relative to my address and typical shopping venues - They are not comparing the signature on any purchase receipts with my signature- They are not responding to my claims. Instead they continue to deny my claim without providing a logical reason or actual proof. - I have been working with Truist for over 3 months and continue to escalate cases but have not been helped or contacted. - I have been a customer 8 years and have had no issues up to this point- I have paid the full amount of unauthorized charges, fees, and interest that were posted on the credit card - I have references that can vouch for me being in my home state on the day of the fraudulent charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX Client Resolution Senior Specialist no contact main phone number is forwarded to the XXXX, and they have been given non-working numbers to give to customers seeking credit disputes. I received a letter with my transaction history, Which it wasn't because I there were different between all 3 bureau SEE CFPB Case : XXXX and was told my information was reported as accurate and a charge-off, but I have not received a 1099C
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have two accounts that were originally opened with BB & T. On both the phone app and online both accounts are labeled as checking in addition, prior to XX/XX/XXXX, no excessive withdrawal fees were ever charged on either account. It appears that since the merger of BB & T with Suntrust, the new bank Truist is now charging {$15.00} per transactions over 6 in one of the accounts that they are saying is a savings account even though it is labeled as checking. When I confronted them about this on XX/XX/XXXX they tried to say that they were required by Reg D to make these charges. This is deceptive since the restrictions on savings account withdrawals was lifted in XXXX XXXX and has never been reinstated. It wasn't until I informed them that I am recently retired from another bank that they scrambled to find another reason. They then dug out a sheet from their description of the account stating showing this {$15.00} excessive withdrawal fee on it. I advised them that there was no warning on the app, they did not refuse the withdrawals, and they did not change the account from " savings '' to checking after 3 violations. In XX/XX/XXXX there are {$75.00} in fees, XX/XX/XXXX - {$90.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX - {$45.00}. I feel that Truist is in violation of XXXX because # XXXX labeling the savings account as checking is both deceptive and abusive misleading people into using the savings as a demand deposit account. That by falsely claiming that these fees are required by Regulation D, they are again being deceptive and unfair since they are relying on the general public being unaware of current regulatory requirements and are using that to discourage further complaints from their customers and avoid culpability in their actions. In addition, even though the terms and agreements is available online, since the savings account is mislabeled as a checking account, it would make it nearly impossible for consumers to determine that the fees related to any withdrawal limits the bank is imposing would apply to their account since it is clearly labeled as a checking account. I have put in a complaint with Truist requesting a return of all fees charged for excessive withdrawals and was told someone would be back with me the same day. Nobody has attempted to contact me from Truist so I am filing a formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My social security card is a credit card. I applied for a mortgage with Truist Bank and was denied an extension of my own credit without receiving any benefit. This would be considered unauthorized use of a credit card which is criminal activity. The Equal Credit Opportunity act speaks against this discriminatory practice by lenders after a consumer has been pre approved. XXXX is implicit in the damages caused against me by furnishing incomplete, inaccurate information that they know or have reason to believe is false, causing me adverse action. This unlawful action has caused me embarrassment and financial hardship. An amicable resolution for this matter would be for Truist to award my credit on different terms and or for XXXX to make me whole in the sum of {$300000.00} for the damages caused to me via discriminatory lending practices. Please find the attached letter that was sent to Truist as the first step in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I wanted to close credit card of Truist bank. Their credit card services sent me the bill of XXXX cents without explanation for what they are charging me. They put XXXX dollars as a previous balance, then XXXX dollars of fee charges and XXXX of interest charge. They wrote that if they will not receive your minimum payment I will have to pay late fee up to XXXX. They never sent me the bills before as my credit card was blocked by them and I could not see it on line banking. I paid them XXXX by check, because I am on low income and they are threatening me with their charges. But I want my money back and explanation about the charges on my account, I hope you will help me, regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A client reached out to me expressing interest in my rent-to-own property, which required a 20 % down payment to secure the home. After a brief bidding process, we selected the client who submitted the highest bid, which included a down payment and several months ' worth of rent paid upfront. To ensure the safety of the transaction, I requested a certified check for the funds, as it provides a guarantee of available funds. Upon receiving the client 's certified check, I deposited it into my bank account. However, to my surprise, Truist bank placed an unexpected hold on the funds. Although the amount was significant, I had encountered larger transactions in the past without facing such delays. Consequently, I did not anticipate that my account would remain on hold for over a year, causing significant disruption to my financial plans. Initially, I was informed by the bank that the funds would be released within a week, which prompted me to proceed with signing the contract. Rent payments were made on time during this period, but eventually, I encountered difficulties in communicating with the client 's representative, XXXX. It was then revealed that the client 's husband, who had issued the check, had tragically passed away in the property. The check, which is still on hold, poses a challenge as the bank insists on issuing a new check. However, this is not possible since the owner of the original check is deceased. To substantiate my claim as the owner of the property in question, I will attach a news article regarding the incident. Additionally, verifying the ownership of the property can be done by searching the Secretary of State records, which will confirm that the property is owned by the brand name XXXX. While this unexpected situation has created difficulties and financial strain, I am hopeful that with proper documentation and evidence, the bank will release the funds, allowing the rent-to-own process to proceed as planned. Due to my understanding from a truist banker the check was put on hold because the check was issues to XXXX XXXX and not XXXX XXXX which both companies I am the owner and might have been some confusion when discussed to but entertainment and not my real estate company XXXX XXXX XXXX how ever I have no way of getting this check reissued and the hold for verification of funds have been well over a year or almost a year to and funds are clear in my account. I am looking for real help on getting this issue resolved as quickly as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A