Date Received: 2023-06-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Signed up for new bank account. Bank attached debit card to wrong account resulting in the following fees. XX/XX/XXXX {$45.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$15.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a victim of wire fraud. On XX/XX/XXXX I sent a wire the amount of {$30000.00} to an account/scammer that pretended to be the title company for a home I was closing on on XX/XX/XXXX. I returned to my bank, XXXX XXXX to make them aware and the manager called the receiving bank, Truist to see if the money was still in the account. Luckily the money was not withdrawn yet and the bank put a hold and XXXX XXXX started the recall process. Truist responded to the recall and confirmed again the money was still in the account. To date I have still not received my money back from Truist and have not been provided with any updates on what is going on or when I can expect to get my money back. I've now lost my home and deposit for the home. I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Real state sent me from a scam account to wire money to buy a home with tittle company, bank and tittle company didnt talk to each other to confirm bank account numbers and info, I asked the bank to return my money, its on truist bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX XXXX I contacted Truist Bank about unauthorized transactions to my checking account. I have filed a previous complaint about these fraudulent transactions in which Truist Bank responded by doing absolutely nothing. I mentioned charged were being done on my checking account in Georgia when I have never lived or used my account in Georgia including debit card transactions. Fraudulent checks were being deposited in Truist Bank ATMs in Georgia. The bank one day later sent me a notice stating the transactions were authorized by me and declined any assistance. I then filed a CFPB complaint asking for proof of their investigation. Under the FCRA ( Fair Credit Reporting Act ) when a consumer filed a complaint with a lender the consumer has the right to ask and and receive proof of the investigation. Truist Bank has refused to show me any documentation of any investigation that shows I authorized any fraudulent check deposits or debit card purchases to my checking account. Since Truist Bank proceeded to place a negative XXXX report on XX/XX/XXXX I am requesting proof of the investigation. Whether that means atm surveillance showing who accessed my account and deposited fraudulent checks, electronic activity showing they investigated the fraudulent debit card purchases. Truist states they have an identity theft claim/investigation that they opened in XXXX but I received no documentation of the identity theft investigation or the outcome of this investigation. I feel Truist Bank did not due to an investigation because I requested proof multiple times and received no documentation or proof of any investigation. Since Truist Bank can not produce any documentation showing I specifically authorized these fraudulent check deposits and debit card purchases I am requesting Truist Bank to remove the negative XXXX report completed on XXXX XXXX XXXX I am also requesting Truist Bank to remove the negative deposit activity and to absolve me from this due to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a checking account online with Truist, I received a letter a few weeks later that said they were closing my account and returning my deposit. I have called several times to their customer service number asking for the account to be fully closed and my deposit returned, I was told they were unable to close the account, talked ti a supervisor and they transferred me to another department and after holding for almost an hour, it was a wrong department. I was told ti go into a physical location. I went into a branch in XXXX Fl to close the account and get my deposit back, I was told they were unable to close the account and couldnt refund my money and that Truist had charged me account fees, that couldnt be refunded. They said their fraud department internal numbers were down and they couldnt do anything. Said to come in an another day to try again. This is unacceptable, I deposited {$50.00} in the account, they semi closed it and now are charging me {$12.00} a month for an account that I cant use. I requested an official complaint to be filed both on the phone and in a branch, but wasnt taken seriously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, my local bank, XXXX in XXXX, AZ, sent requests on my behalf to 2 banks, XXXX XXXX XXXX XXXX, and Truist Bank XXXX XXXX XXXX XXXX. in XXXX, FL, to transfer IRAs from those banks, so that I could get better interest rates and consolidate small IRAs.. Within 2 weeks, XXXX received a check from XXXX and I was able to put those funds in a XXXX IRA on XX/XX/XXXX. After a few more weeks of no transfer from Truist, I called their general # and was told that the XXXX branch probably misplaced the request. They contacted the branch, and told me to have XXXX resend it, this time with " Attention : XXXX XXXX '', which I did. Almost 2 weeks later, still nothing, so this time I called the Truist XXXX branch and spoke with XXXX XXXX. She said this " wasn't on Truist '' that the requests weren't getting to someone who would take care of them. This time, she asked that I have XXXX fax the request, which I did the next day. This was the XXXX time I had to go to XXXX and re-sign the requests. They didn't have a fax but I called XXXX again and she said they could send it to her email, which they did. The next day, XX/XX/XXXX, I got a voice-mail from XXXX saying XXXX had " received the IRA transfer XXXX paperwork '', that she had forwarded it to their " IRA team XXXX and that it would " take up to 3 business days '' for the transfer to go through, and that there would be a {$50.00} IRA transfer XXXX. I saved the voice-mail and will gladly share it. Again, nothing happened for weeks. I called the Truist XXXX office yesterday, XX/XX/XXXX, and asked for the IRA team and was told they didn't have XXXX. XXXX called me back later yesterday and said they had requested paperwork from XXXX, which made no sense, since she had already said in her voice-mail that they had received it. When I said I was going to lodge a complaint, she asked sarcastically " Do you even know how to make a complaint? '' It is obvious to me that I'm never going to get Truist to transfer these XXXX to my local bank. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: My wife and I who are XXXX XXXX XXXX XXXX and XXXX XXXX were scammed viciously by a Truist Bank customer. And, Truist Bank System did not protect this from happening! Now they say that our case is closed. We dont want This case closed. We want it current or reopen! Thank You Very Much XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78501
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: While the company did address several old inquiries in my previous complaint, the inquiry in question is not listed in their response. I agree with the inquiries listed in their response letter. They did not address the unauthorized inquiry that should not appear on my report. The unauthorized inquiry appearing on my report is dated XX/XX/2023. I did not request any type of financing on this date or authorize any hard pulls on my credit report. I did not enter any car dealerships or apply for financing of a new vehicle or refinancing of my current vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the checking account on XX/XX/XXXX, made XXXX direct deposits on XX/XX/XXXX, and XX/XX/XXXX totaling more than {$1000.00}, which is within the 90 day period after account opening. I am supposed to receive a one time {$400.00} bonus according to the terms during account opening. I went to the branch on XX/XX/XXXX, the representative wasn't helpful. I called the customer service on XX/XX/XXXX, they said that I should receive the bonus within 30 days. It has been more than 30 days, I still haven't receive the bonus according to their terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28052
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A