Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This isn't a complaint about a bank, I received an e-mail that said it was from Truist Bank saying my account was going to be locked unless I logged and verified through the provided link. I didn't clink the link because I knew it was a scam, I don't have a Truist account nor have I every had one. I honestly didn't even know it was a bank until I looked into it. The address that sent me the e-mail was XXXX I'm not sure what can be done, but I figured I would bring it to attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 571XX
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: TRUIST bank will not stop calling me about a debt that I have talked with them about extensively and explained the situation. I asked them to stop calling me over and over and over. The calls are endless. I can't even keep up with all the dates. I have spoke with mangers before and the manager said he would make sure the calls stopped. they call may stop for a couple weeks and then they start back I asked for copies of the recorded calls and transcripts of calls to prove how many times I have told them to stop calling me and that each time the person on the phone will say I will remove your number and not call anymore but the manager called me back and said I have to have a subpoena to get any information on recordings /transcripts I told them I dont care if they send mail but to stop calling me but they still call I block the numbers they call from and then the change the phone number that they call from.
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: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a checking account at Truist on Friday XX/XX/23 with an opening deposit of {$50.00}. I changed my direct deposit so that it would go to this bank at the end of this month ( XXXX ). I received e-mail confirmation on Friday that my opening deposit was successful and I had successfully set up XXXX on the account. When I tried to access the account this morning, I received a message that the account was locked. I called the number listed on the message and the customer service agent told me I needed to verify my identity by going into a branch, but the closest branch is in XXXX, almost XXXX hours away by public transit! XXXX XXXX XXXX and do n't drive. On top of this, the branch isn't even open on the weekends so I would have to request unpaid time off to fix this bank error. If the bank can't verify my identity they shouldn't open the account and they shouldn't take my money, it's just irresponsible to put all of the burden on the customer in these circumstances. I was going to make this my main bank so took a lot of time to switch everything over and now I won't have access to my funds for at least two weeks with the holiday, which is a real financial hardship for my household. It would have been one thing if I was told that I may need to come into a branch to verify identity when I was opening the account : in all honesty, I probably would NOT have opened the account then because the nearest branch is XXXX hours away. But it is predatory for the bank to do this after the account has been opened and funded and my payroll switched over so they can keep my money for longer without any explanation.
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: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a Truist bank account online in XX/XX/2023. I deposited the required {$50.00}. The next day, the account was locked. I can't access it or my money. I called and was told the account was closed. I got a letter saying it was closed and funds would be mailed in 10 days. After about 45 days I called and was told I must go to a branch with my ID. They said they will not be mailing a check until I do so. I specifically opened an online account so I would not have to go anywhere. I just want my money returned. They took it, never allowed me to access it, and won't give it back. I just want them to do what the letter said they were going to do. I'm also getting emails that I have a statement. I can't access it. This letter said the account was closed. Why would it have statements? I'm worried they're charging fees too. If they send a letter saying the account was closed, it should be closed! And funds returned!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed in a fake check scheme. On XXXX, I was contacted and told I would receive {$500.00} to be this painters muse. They sent me two checks through email, one of {$1500.00} and one of {$2000.00} ( totaling {$3500.00} ). They told me to XXXX some vendors, for the costs of supplies and the like. After I had done so, keeping the {$500.00} I was told was mine, the checks came back as fraudulent and I blocked contact with the scammers. After some research, I immediately contacted my bank and went through the process of filing different claims. My bank, Truist, told me because this was an authorized transaction ( i.e. done with my knowledge ), they would not reimburse me for the now negative balance of {$3500.00} in my account. My account is now frozen and Im set to travel in less than a week to a foreign country. I desperately need my money back and just want this to all be over. Any help is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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: This is in reference to case number XXXX. Truist has completely failed me and I am at a complete loss with this Bank. I was the victim of identity theft and had a loan taken out fraudulently in my name. I have submitted all documentation to them including an FTC Identity theft report, police report, ID verification and today I receive a document stating that the account was not the result of Identity theft and no further action will be taken. I don't believe that Truist investigated this matter at all. No investigation report was provided to me at all. When I asked I was simply told that the Loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name. I have been a client of Truist/BB & T for 20 years and they are basically calling me a criminal and a liar the first time I have ever had any issues with their bank. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to pursue legal action against Truist. I will also be reporting this to local media outlets that may be interested to know that Truist Bank apparently does not follow the FCRA and Regulation E. Truist should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquires from their credit report, rather than treat them like the criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased a vehicle from Regional Acceptance XXXX, a XXXX XXXX XXXX. On XX/XX/XXXX, I was in a head on collision and the car was totaled, and reported as a total loss. In the month of XX/XX/XXXX I signed the car over as a total loss. XXXX XXXX XXXX company was to pay off the car in full that was the agreement before I signed the car over. XXXX XXXX sent the payoff amount to the wrong company and the other company cashed the check. It was never reported to me that Regional XXXX had not received the payment until XXXX when I went to go purchase another car and the finance company told me at the dealership I still had an open car loan. I then called Regional Acceptance about the car not being paid off and was informed they never received the check from the insurance company. I notified the insurance company and they said as soon as they received the check back they would re issue a check and pay Regional Acceptance. A couple weeks later Regional XXXX received payment. Never again did I hear from the insurance company or Regional XXXX that there was any left over balance. Until I went to get a mortgage in XXXX and it was reported on my credit XX/XX/XXXX that my car was repossessed and I had not paid {$930.00} left over on the vehicle. I notified Regional Acceptance that the vehicle was never reported repossessed and that it was never repossessed the car was totaled. They kept saying they never reported the car repossessed but I have a copy of my credit report and it clearly says repossessed. I also did an address change with the post office in XX/XX/XXXX. Regional Acceptance never attempted to notify me before reporting this to the creditors. They had my correct phone number and again never contacted me about the balance leftover. I then called again and spoke with a gentleman at Regional Acceptance that said they misreported and that the late payments that had been reported from XXXX-Present should be removed. He said he would put a note in for me to file with the credit bureaus because they refused to remove what was on my credit report claiming that they don't have the power to remove that stuff only XXXX or XXXX can. I have filed XXXX claims with the credit bureaus trying to get this information removed off my credit so I can purchase a home. No one will help me, No one will explain to me what happened, and its still remains on my credit. I am just trying to get the repossession and the late payments removed from my credit so that I can purchase a mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46804
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Truist offers a {$400.00} bonus when opening a checking account. But the online system did not allow me to open an account. It redirects me to go into a branch. When I went into a branch, they said they could open the account for me but I would not get the {$400.00} bonus as advertised. This is unfair and deceptive marketing. I have found several other customers online that have encountered the same issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23222
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Truist says I owe them but I found out I had XXXX XXXX..they are messing my credit report up can you help me please..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A