Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to XXXX XXXX XXXX. Open fraudulently on XXXX of 2020 per the last credit report. XXXX XXXX checking account XXXX XXXX XXXXXXXX XXXX BB & T
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023 I went to my local Truist banking location to apply for a XXXX XXXX Credit Card in the hopes of using it to get the XXXX Precheck charge waived as part of the advertised benefits. I was told the application was under review, and would hear something in a day or so. On XX/XX/XXXX, I called and left a voicemail for the banker that I submitted the application with, and still haven't heard back from them. On XX/XX/XXXX or XXXX, I went to the branch again to see if I could talk to the banker. He was working the teller line and was not able to see me, but I did speak to the area manager, XXXX (? ), who assured me that I would be hearing something soon. ( still nothing ). On XX/XX/2023, I called and spoke to Branch Manager, XXXX XXXX. He was surprised that I had not heard anything. He offered to submit a complaint to the executive office for me. Complaint number XXXX was opened by XXXX. I have not heard anything from the executive office as yet as well. I firmly believe that my rights under Truth in Lending and Fair Credit Reporting have been violated. I have not received an Adverse Action letter, I have not received a call, email or written letter in regards to this application. I was not asked about additional income. I was not asked what limit I was looking for. The bank apparently has a minimum limit they offer, and did not disclose what this limit is. I understand through my dialog with XXXX that the application was declined. However, as I work in banking, I feel I have been beyond patient in waiting for them to attempt providing a written response. I would like commend XXXX for his assistance through all of this, but 1 person is not enough to fix all the mistakes of others.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28081
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Me and my partner open the joint account at truest bank. Try to open a savings account on their website and it popped up as potential fraud. Because I did not fund it with {$50.00} at that moment the next day they closed. Our account and our deposits were being sent to her and they bounced back to the bank 's they were coming from like social security or a payday. Going to the account so the camp was closed and it did not accept me so that missed up our income up also on the invoice that they sent us. XXXX of the deposits wasn't even on it and it's the only invoice. That would appear because there's only XXXX weeks that it was open. I called I went up there XXXX or 4 times they wouldn't give me money for XXXX weeks. I called the file department I called what the problem department. Told me to call and I think it could tell me was that there could have been something on a reporting app. They use are that someone made a frozen transaction are a red flag transaction that they closed the account and causes a lot of problems. They didn't even put on the invoice. A {$700.00} deposit and we did not spend any of that like it was deposited and 3 days later. They closed the camp so that's my problem with truest bank, in XXXX XXXX nc XXXX. Triist # XXXX. On the invoice that takes semester of the statement I said. Deposits was {$710.00} so it's missing a {$600.00} deposit. It closed out of exactly XXXX 's and that's was the next before they. Ever? Even give me a XXXX. And {$18.00} when I deposited over a {$1000.00}? In XXXX weeks time I have the XXXX only statement. I'm gon na take a picture and send it as a file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27030
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 an account with Truist Bank in late XXXX after having seen a promotional bonus of {$400.00} for opening a new account, keeping it in good standing, and receiving 2 ( two ) direct deposits totaling {$1000.00} or more within the first 60 days. I opened the account under the set forth terms and met the requirements, yet still have not received the promotional bonus. I was supposed to receive this bonus no later than early XXXX, and I still have not received it. I have called the physical branch as well as the corporate phone number for assistance and have not yet received a fair resolution. I started making contact regarding this issue on XX/XX/XXXX. It is now XX/XX/XXXX, and no resolution has been arrived to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I XXXXXXXX XXXX XXXX I was told by XXXX Acceptance that I needed to make XXXX car payments in XXXX, and XXXX car payments in XXXX to bring the account current, and XXXX the vehicle from being repossessed. Which I did. On XX/XX/2023, I went online to make a payment of XXXX and the online system declined my payment. I sent an email to the representative I had communicated with in XXXX to let her know my payment wasnt being accepted. There was no response. I attempted again on XX/XX/XXXX, and the system again declined my payment. On XX/XX/XXXX, I telephoned and the representative stated she was unable to see an account for me. She transferred me to another department and they informed me that my account has been in repossession status since XXXX and that I needed to make a payment of {XXXX to keep my vehicle. I explained that I had made XXXX payments between XXXX and XXXX and could only afford XXXX months payment at the time and was told that was unacceptable. The representative then went on to belittle me and tell me it is not the companys responsibility to help me manage my account. I explained that I understood that and he continued, telling me to calm down and stop yelling and over talking him or he would end the call. I ended the call as it was a moot point to continue the conversation since I did not have XXXX to pay. This situation is causing me great stress. I am finally on my feet financially since losing my job before the pandemic and this sub prime lender is taking advantage. I can not refinance the vehicle as the balance is XXXX and the blue book is XXXX If they would like the vehicle, I will turn it in. However, the condition would be that payments received to date would bring the balance to XXXX paid in XXXX and not attempt to collect the outstanding balance would be attempted. I also would like all reports regarding this vehicle removed as it is illegal to report me to any credit reporting agency or bureau since they are not a subsidiary of XXXX according to the XXXX XXXX XXXX XXXX. I would also like an itemized statement of my account to show payments and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Double Charge Incident- XXXX XXXX XXXX XXXX XXXX, XXXX Truist Bank accepted a check and withdrew the funds for the same check twice, once in XXXX, and the second time in XXXX. It appears that one of our vendors presented the check twice ( once by phone, once in person ). The check was invalid the second time due to being 8 months old and should never have been honored. Here are the details We contracted with client for a {$5000.00} appearance fee. o Payment 1 was made by check XXXX and was posted in our account on XX/XX/22 for {$2500.00} o Payment 2 was delivered in person to client, check # XXXX for {$2500.00} and was posted on XX/XX/22. o This was the final payment for our contract o Check XXXX was presented again a second time in XXXX and was posted on our account XX/XX/22. We did not notice this transaction at first because it appeared to be a check we issued. Upon a final end of year accounting wrap up, we discovered that the check was deposited a second time. We notified our local branch XX/XX/XXXX, and receive a voice mail back indicating that the funds would be deposited within 48 hours. We had a call the next day indicating that the payment might take 90 days to process. We discussed with the branch manager on or about XX/XX/XXXX and were told it would take 48 hours but it would be taken care of. We were informed XX/XX/XXXX that XXXX XXXX XXXX is rejecting the refund because it is after 6 months. We notified the Truist branch XX/XX/XXXX, and the statement date is XXXX XXXX. This is less than 6 months. Due to some severe family situations, it did take a bit longer for us to catch this. It was not caught the first time through the statements, because it appeard that it was a valid check. It was not until our final audit that we caught this. We have asked repeatedly for Truist to credit our account and work it out on the other end with our vendors bank. We have reached out to our vendor who claims she did not make the deposit a second time, even though we have provided copies of the deposit. There were two reasons the check should have been stopped before it was withdrawn from my account. The first was the duplicate check # and duplicate payee and duplicate date of the check. The second is that the check was a stale and expired check. We simply want our money back from this error on the banks part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity Theft. The loan company is called TRUIST BAN. On my credit report it said it opened XXXX loan amount XXXX. I reported it as Identity Theft. I need a copy of the original signature please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXX XXXX INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Truist bank take my paycheck that was direct deposited from my employer with out noticing me And cause me hardship while I m in training at my new job. I was left with nothing and I was not able To pay my car insurance and was not able To pay my car note because XXXX have have Any notice that their gon na take paycheck. Spoke to the supervisor XXXX And XXXX the manager Both refuse to returned my paycheck Then I just I recieved a notice that I make a payment That I never did. And then their took my paycheck like I make a payment. The supervisor told me is a bank rules. XXXX XXXX XXXX. XXXX
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: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A