Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX TRUIST BANK 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 US DEPTARMENT OF ED 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I wanted to make a payment on my XXXX XXXX loan. I have been having difficulty signing into account online since XXXX XXXX. When using Truist app on my phone, I get a message, Service unavailable at this time. Try again later. Trying again later over, and over does not improve the process. I tried using the Truist website for online banking. After successfully logging on, I immediately get a message, You have been logged off after 10 minutes of inactivity I never get to an option screen, and I am kicked out. On or about XX/XX/2023, I contacted Truist at XXXX for assistance with accessing online banking. After explaining my difficulty for 10 minutes, I am given the opportunity to make a payment. I provide the account number, and then I am told Truist is refusing the payment because the account is more than 30 days late. The account is late because I can not logon to pay. I am also told that online access is probably restricted because the account is late. Approximately, 20 minutes has passed, and I am given another number to call to make the payment, ( XXXX ) XXXX. I insist on help with logging into account using mobile app and/or website, which is why I called. I am given a number to help desk, XXXX XXXX. I am given an offer to create a new password. There is nothing wrong with the password, if I can login. I have spent approximately XXXX minutes, and have accomplished nothing. It is XX/XX/, and I still can not access online banking. According to correspondence dated XX/XX/, online banking and mobile app are a benefit. There is no indication that restrictions apply. I have updated browsers, and mobile app. I have uninstalled and reinstalled app. I updated XXXX. I ran security and virus checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my XXXX XXXX, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXXXX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53225
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: Trouble during payment process
Subissue:
Consumer Complaint: Loan servicing transferred recently ( XX/XX/2023 ) from XXXX XXXX / XXXX ( loan # XXXX ) to Truist ( loan # XXXX ) for property address XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Borrower XXXX XXXX, authorized party husband XXXX XXXX ( who handles the business for the loan on Borrower side ). Homeowners XXXX XXXX and XXXX XXXX. **Loan in good standing ( perfect payment history ) at time of loan servicing transfer - payments made through the XX/XX/2023 payment. ** XXXX XXXX documentation indicated loan can not be considered delinquent at loan servicing transfer point even if 60 day delay ( because, as you know, servicing transfers often are handled poorly, in violation of US Code and OCC/Fed . Reserve standards, and often unfairly cause problems for borrowers ). Truist auto-pay process would not work. Eventually, the " XX/XX/2023 '' payment was made in full by us via check and processed by Truist on XX/XX/2023. The " XX/XX/2023 '' payment was put in motion the same day and was paid by check and processed by Truist on XX/XX/2023. **The loan remains current. ** Truist robodialed us for weeks without our permission ( we did not realize it was Truist, thought typical scam robodialer in violation of law ). Eventually, we answered. Truist then would not speak to XXXX even though he's an authorized party. **Truist continues to send us documentation which inaccurately indicates the loan has not been paid and is delinquent. ** Communications to Truist have gone unacknowledged. Proof of status / payments is being attached to this submission. Truist needs to get is act together, stop sending inaccurate and worrisome information, and confirm the loan is in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28226
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have already filed XXXX complaint against Truist for multiple withdrawls of my mortgage only to discover this morning they did it AGAIN. This bank is clearly operating under the assumption they can foul up XXXX transactions without repercussions, which is outright fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55449
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Truist bank held my insurance check for seven days after I made the deposit into my account. The date of the deposit was XX/XX/XXXX. The contractor ( XXXX XXXX XXXX ) has been waiting for the payment since XXXX XXXXTruist bank cashed my deposit check and place the funds in the hands of the branch manager ( XXXX XXXX ) she signed the check and cashed it, then sent the monies back to the blanket company ( XXXX ) to reissue the check. The payment is not found.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquiry, fraudulent/identity theft!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my new Truist business checking account online with a {$400.00} bonus promo code XXXX on XX/XX/2023. The bonus trem : Earn {$400.00}. Open a new Truist Simple Business Checking or Dynamic Business Checking account online or in a branch from XX/XX/2023, through XX/XX/2023. Within 30 days of opening the new business checking account, you must : Make Qualifying Deposits* of {$1500.00} or more into your new account. I established a brand new business with a EIN to open this new Truist business checking. This is my first EIN and first time apply Truist business checking account. I did two qualifying deposits of {$1500.00} into my new checking account within 30 days of account opening. I meet all requirement and my {$400.00} bonus still not post to my account. I called Truist customer service and still no bonus post to my account.
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: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A