Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was sent to a law firm and went to court. A judgment was paid in full to the law firm. The Satisfaction of Judgement and Release of Lean was signed XX/XX/2023. Case number XXXX. All monies were garnished from my check bi-weekly until the judgement and debt was paid in full. See attached court documents proving all debt was paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: servicefinance company, llc i have account with them with auto pay recently they told me that auto pay was stop by the bank i contact the bank bank told me there is no stop payment t in the pass i have the proof later from the bank saying no stop payment or late payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Please see previous complaint XXXX that was considered closed. Per Truist Representative XXXX XXXX, the account was closed without explanation. I contacted Truist again, as the account shows active on my bank profile. The account remains open, even though XXXX 's final response states the checking account ending in XXXX was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 - XXXX saw the online only promo from Truist stating if I opened a new Truist One checking and made two qualifying direct deposits before XXXX that I could get up to {$400.00}. So I sighed up was approved went back to work and set up my direct deposit. A couple of days later I went to the app to get my account info to add it to the residential portal where I was scheduled to move to pay the fees/rent associated with moving directly from Truist. I had no account access. Account number XXXX XX/XX/2023 - I then called customer service and found out that unknown to me- my original account was closed due to fraud because it wasnt funded yet. ( Although as evidenced in this complaint I was told I had until XXXX before my account would be closed. My next direct deposit would have hit that following week still WAY before XXXX ) The rep told me I had to go in branch to re open with two forms of ID. by this time the direct deposit was already sent to the closed account. I went to my local branch provided copies of my ID to branch leadership where I was assured they had my money pending and that I had to open a new account there, theyd transfer the money that would be the quickest way to get my paycheck which states the money was in fact sent to Truist ( so forfeit the promotion since it was online only and XXXX now no longer a new customer because I had the original account. ) I was under the impression after the first visit to the branch my account would never opened by the end of business. Online access was restored shortly after however the account was still closed unbeknownst to me. The next day I called customer service again because my deposit was not there. They said I had to go back to the branch that it wasnt permanently closed w twXXXX forms of ID I said I did that already and here we are. But regardless of the redundancy I went and was told the fastest way to rectify was to open a new account and theyll move my lending deposit from the closed account to the new account. I let the branch leader know that was the money for my relocation and needed access to it immediately. I got not only a new checking but also a new savings account because they said thats what I had to do to get my money the fastest. New checking account number XXXX XX/XX/2023 - no deposit, followed up with bank was told Id hear back but didnt, and that I should have my deposit by Friday ( today ) Today XX/XX/2023 - I can still me my closed account with XXXX funds and my new account has no direct deposit other than the XXXX deposit sent from where I am not at risk of losing my apartment to verify the account. According to my employer the funds were not released back to them, and its not in any one of my accounts with Truist. So at this point Im going to have to forfeit my apartment, the deposits I already paid, the {$400.00} promotion, and countless other bills that had to be paid are now past due because Truist closed my original account for absolutely no reason and called it fraud. They never returned the payment to my employer ( XXXX XXXX ), and my move in date of XX/XX/XXXX is now in jeopardy because their lack of action or ability to stand behind their own policies about funding online accounts ( having 60 days ). Why tell me I have until XXXX to find my account if youre going to close it within a few days if its not funded? And at this point with monday being a bank holiday and its now Friday if Truist did anything right at all, it would be too late for the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new accoun with truist bank. I called their number to acivate my debit card and someone said they were transferring me to the fraud department. They then got into my truist account and said my account was hacked. they then proceeded to get into my computer and transfer money out of all of my different banking accounts. this was due to my calling truist for information. i now have to buy new computer mobil phone etc due to this and the bank will not help me nor give out info to the corporate office. dont know what to do. i need to report this and the fraud department at truist is where i called and it was a scam. i want the truist bank to reimburse me for all the new equipment i had to buy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX a letter postmarked XX/XX/XXXX arrived from the mortgage servicer Truist Bank. It informed me that Truist was not willing to recalculate my escrow the way their phone rep had said should be done after changing insurance carriers. And that I could call if I had questions. The letter was written by a XXXX XXXX, and provided a phone number of XXXX XXXX XXXX. As I had unresolved questions, as to why the recalculation was being denied to me, if it allows truist some greater profit at my expense? If they are trying to earn interest or lend out funds to their clients based partly on their corporate reserve assets such as funds held in escrow? Why I should need to pay a higher amount to them, than what is actually neccesary for the escrow costs? It seems exploitative. I don't wish to be exploited merely because of it being a VA backed home loan. But I am told in the letter that it is a Truist policy to treat all veterans this way. I do not like the idea that veterans are somehow an easier to exploit class of consumers when it comes to Truist Bank. But when I called the number on the letter, and asked about speaking to this XXXX lady about the letter she wrote. I was told that it's not allowed to speak to her by phone. That she is just a researcher who does not speak to customers. I asked if the phone rep would let me read the letter, and how it says to call with questions, and he instead became irate and turned the phone call into an aggressive shouting match. I don't know if maybe it is a letter that just has this XXXX person 's name on it, but is robosigned and thus they are unable to answer questions. But I have heard that XXXX XXXX robosigned letters in the past. What I do know for certain though is the phone rep at Truist had advised me that Truist would perform a recalculation for my Escrow after the change in insurance carriers was completed. And I have been trying for months to ask Truist to follow through on their promise. Instead I am getting letters that seem to indicate that because I am a veteran that I instead should be subjected predatory lending practices and asked to pay more than my share into escrow. All so that truist can earn a few extra dollars a year in interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 1. I opened a checking account in Truist Bank and made an initial deposit of {$50.00} on XX/XX/2023 2. On XX/XX/2023 I lost access to my online banking account. I called the support and was notified that my account is permanently blocked. 3. In a few weeks I visited their office to ask if my account can be unblocked. The bank teller told me that there is nothing they can do. I asked them when my deposit is going to be refunded. I was told that it's gon na be refunded via check in a few weeks. 4. On XX/XX/2023 I received a statement that said that the service fee was charged. I called the support and was told that the only option is to visit their office again 5. On XX/XX/2023 I spoke with their branch leader - XXXX XXXX. She assured that they can solve this issue but first they need to unblock my account. She told me that it takes two hours and after that my initial deposit will be refunded. 6. Today is XX/XX/2023 and my account is still blocked. The branch leader doesn't pick up her phone. I still receive statements when I get charged for service which they do not provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a business account with Truist bank XXXX, 2023. I deposited {$100.00} and did not touch the funds until XX/XX/XXXX. I withdrew {$60.00} from ATM on XXXX and {$20.00} on XXXX for my business needs. There was a fee from the Atm and a fee from Truist totaling {$6.00}. This would have left an account balance of {$18.00}. The next day, XXXX I swiped the debit card in a store for the first time. I checked my balance each time before using card and it showed positive. Two weeks later I go to deposit funds and see that Truist charged me excessive overdraft fees. Five separate overdraft fees, totaling {$180.00} for two days of usage. When I called in to inquire, I was informed I had swiped my card before I went to the Atm, which I did not and have screen shots attached showing an overdraft fee added while account was positive, causing all the other fees. Even my last statement from XXXX shows a posted balance of {$45.00}. I was also told they do not have a way of turning off the option to overdraft. They waived one fee and explained their system only waives one fee every 24 months over the phone but referred me to the branch location. I went to the branch and got the same feedback. This is unacceptable banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have two checking accounts under my account with Truist Bank. One is a minor account. On XX/XX/23 the minor account was charged {$36.00} overdraft fee. On the same day prior to the overdraft fee a transfer of funds in the amount of {$30.00} was made to my other checking account at XXXX ( ET ) The monies were available as the transfer was made successfully. At some point after the {$20.00} from a transaction that was successfully made on XX/XX/23 at a gas station was withdrawn the bank assessed the {$36.00} overdraft fee as well. The morning of XX/XX/23 ( XXXX XXXX ) I noticed an email stating overdraft fees have posted to the account on XX/XX/23. Which my account shows posted on XX/XX/23. The original negative balance was {$2.00}, I called Truist to explain and dispute the fee and the account was refunded the {$36.00}. Another incident was today XX/XX/23 when I received a text alert at XXXX ( ET ) of an overdraft fee assessed on my other checking account. I also had received an email at XXXX ( ET ) stating the fee was posted to my account today ( XX/XX/23 ). Yesterday ( XX/XX/23 ), I made a {$25.00} transfer to the minor checking account around XXXX ( ET ) and it was done successfully as the monies were in the account with a few dollars still left in the account. I called Truist today XX/XX/23 and explained the issue and to dispute the overdraft. I was told a transaction from XX/XX/23 of {$10.00} from a gas station came through on XX/XX/23 and it was originally pending for {$1.00}. The transaction made my account negative by {$0.00} and I was assessed the {$36.00} overdraft fee on XX/XX/23. I was told they will not reverse the fee as they already reversed the fee for the minor account ( which is under my childs name ) and customers are only allowed XXXX reversed fee in XXXX. I explained to both customer care and supervisor I am currently unemployed and I dont have a steady income right now and could not afford to lose {$36.00} over a {$0.00} negative balance and felt it was unfair that they even charged me for that amount. They did not care and would not do anything to help resolve the issue. Ive had issues in the past with them for overdraft fees using their mobile banking. I will no longer continue to keep my money in their account. I have two lines of credit with them and I will continue to pay as I can until its paid off. I will now find a bank who does not assess such ridiculous fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist client is incapacitated and has named our bank as Trustee. We spoke with local Truist rep XXXX XX/XX/XXXX to see what documents were required to allow XXXX access to accounts. All requested paperwork was submitted on XX/XX/XXXX. We followed up the following week with no response. Finally tracked down branch personnel and were told they didn't have access to secure email so documents were hand delivered to the Truist XXXX XXXX, WV branch on XX/XX/XXXX. We were told via email they were forwarded to Truist legal team. We were told on XX/XX/XXXX that a legal opinion was required since Truist, " didn't have a trust certification on file. '' I requested to speak with Truist legal counsel to clarify what was needed but were told that was " impossible. '' The rep and branch manager only have an email address and clients can't speak directly with legal. We paid an attorney {$3200.00} to prepare the requested legal opinion and hand delivered all requested documents to the representative at Truist XXXX XXXX branch on XX/XX/XXXX. We followed up with the rep on XX/XX/XXXX and were told he would follow up. We have yet to receive a response from Truist. Truist clearly does not have processes in place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A