Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off the car in full, called and made a payment so I would be done with it and the payment still hasnt posted and they just reported the account as delinquent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I submitted a fraud Claim to Truist bank claim number XXXX The claim is for 13 payments from my checking account with truit to an unknown recipient. Truist has denied the claim stating that these checks were authorized and that there is more than one so that means it is authorized. The issue is the following. All 13 checks were not authorized. The checks are not signed by myself or the joint account holder. The checks are electronically signed claiming previous authorization to do so. The checks have been validated that the checks are not generated by Bill Pay. The checks themselves appear to be suspicious as they come from Suntrust and the address on the Check for that Bank is no longer or perhaps never was valid. I have spent many hours trying to get Truist to agree that these checks are Fradulent. The checks were not approved by myself of the XXXX XXXX XXXX and the Checks are not signed or authorized to be signed by myself or the joint account holder. Truist is asking for proof I dont know what other proof to provide. I do not know who the recipient an XXXX XXXX is. The checks are small amounts. and occur as best we can tell every two months starting in XXXX of XXXX. I need help working with Truist as when you call there service number you get unresponsive people in a call center in the XXXX. The Bank if refusing to agree it is fraud and is cashing checks with no authorization and no signature from either account holder
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34683
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: LAST TRANSACTION:XX/XX/24- {$55.00}. TRUIST HAS FRAUDULENTLY TAKEN MONEY OUT OF 2 OF MY ACCOUNTS FOR MAINTENANCE FEES ( UNAUTHORIZED ) PAYROLL FEES FOR APPROX. 4 YRS. ( THIS HAPPENED UNDER SUNTRUST BANK PRIOR TO THE MERGE W/BBT BANK DURING COVID-PANDEMIC-WHEN BANKS WERE CLOSED AND ONLY DRIVE-THRU WAS OPEN ) .PER THE BRANCH MANAGER-XXXX XXXX, I ENTERED THE BRANCH ON XXXX XXXX GA & SHE ALONG W/BANKER XXXX SET UP SERVICES TO INCLUDE PROOF I HAVE OF EMAILS DIRECTLY FROM XXXX WHICH WERE SUBMITTED TO TRUIST AS EVIDENCE. I CONTACTED TRUIST ON XX/XX/24 AFTER SEEING UNAUTHORIZED FEES OF {$55.00} DRAFTED AND WAS TOLD IT WAS FOR PAYROLL SERVICES THAT I DONT HAVE. MY BUSINESS DOESNT USE PAYROLL AS ALL EMPLOYESS ARE STAFFED THRU A TEMP SERVICE. I WAS TOLD THAT I NEED TO GO ONLINE TO CANCEL AND CALL THE TRUISPAYROLL DEPT. AT XXXX. THIS NUMBER IS MISREPRESENTED BY TRUIST BANK AS THE CALL IS PICKED UP BY TRUIST PAYROLL DEPT, HOWEVER, THE EMPLOYEES ASSOCIATED TO THAT NUMBER WORK FOR A 3RD PARTY COMPANY CALLED XXXX. THIS WAS NEVER REVEALED UNTIL I CONTACTED TRUIST FRAUD DEPT AND WAS GIVEN THE " TRUIST PAYROLL DEPT '' # ABOVE. ALSO, AFTER CALLING THE " PAYROLL DEPT '', I SPENT 4 DAYS TOTALLY 8 HRS SPEAKING TO XXXX, XXXX AND MORE REPS WHO GAVE MANY INTERNAL CASE # S:XXXX & XXXX. I WAS TOLD I WOULD RECEIVE A COURTESY 3 MTH CREDIT AS THE CASE IS BEING ESCALATED. THE TOTAL FRAUD DRAFT WAS {$3300.00} AND AS OF TODAY, I RECD {$55.00} CREDIT AND XXXX XXXX AT XXXX ESCALATED THE FRAUD AND CREDITED {$500.00}. I REC 'D ANOTHER DRAFT IN XX/XX/24 AND TRUIST CLAIMS ITS FOR PRIOR MTH CHARGES. THIS COMPANY CONTINUES TO DRAFT FEES UNAUTHORIZED. I REQUESTED DOCS FROM THE PAYROLL DEPT. WHICH THEY CLAIM WERE SIGNED ELECTRONICALLY & NO ONE WILL SEND COPIES WHICH WERE NOT SIGNED ELECT. BY ME BUT FORGED BY THE XXXX XXXX. BRANCH. I WAS TOLD BT TRUIST FRAUD THAT PAYROLL HAS A PAY AS U GO OPTION WHICH IF I USED THEIR SERVICE, WOULD'VE CHOSEN THAT! I EXPECT A REFUND. REFUND THE REMAINDER BALANCE OF {$2800.00} FOR PAST UNAUTHORIZED FEES AND {$55.00} FOR THE DRAFT ON XX/XX/24 IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Due to an escrow shortage caused by a change in insurance, the monthly payment increased. The mortgage company was unable to contact us, therefore we underpaid two payments. Though we never missed a payment the mortgage company submitted a delinquent payment to the credit companies. We did not miss a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 826XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I filed a petition with the court for XXXX XXXX XXXX in XXXX of XXXX. All of my creditors were notified, including Regional Acceptance Corporation that held the XXXX for a truck that i purchased. My bankruptcy was paid out and XXXX successfully in XXXX of XXXX. Regional Acceptance Corporation was notified electronically. Today, i received a XXXX for the car that I surrendered in bankruptcy to them and approved by the court. They reported the difference as income to the IRS and state of Tennessee. This is a factual lie. This was XXXX via XXXX XXXX XXXX, and I demand a corrected XXXX be issued immediately to the IRS, state of Tennessee and myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased my new XXXXXXXX XXXXXXXX in XXXX, my initial loan servicer was through Suntrust Bank. Not long afterward they merged with Truist and I had continued to pay my loan payments on time or a little ahead of time. I moved to XXXX in XXXX and began the process to get Truist to send the lien title to the DMV for the first time in XX/XX/XXXX. I made multiple trips to the DMV who have not received the title from Truist. I then was unable to register my vehicle due to Truist not sending the title. I have contacted Truist on a monthly basis and recently over the last 2 months have been contacting them on a weekly basis. One month ago I paid off the vehicle since I wasn't getting the lien title sent thinking then they would have to send my title. I spoke with the corp office and had even made a XXXX XXXX complaint to no avail. I received a voicemail from Truist on this complaint and have since then called that person multiple times and only receive voicemail without a call back. Most recently they mailed a form saying that I had paid off the loan, which I took to the XXXX XXXXXXXX. The DMV again told me that they had to have the actual title from in order to issue my registration etc. I again called Truist who repeatedly says they do not have my title and have been giving me the run around. I have called the XXXX and XXXX XXXX ( as these were the only other states previously registered in who report they do not have my title. My XXXX has been sitting in my carport for almost a year now, even though I own it I can not legally drive it without the DMVs registration, tags, etc. I believe this is illegal. Its seems fraudulent to have held the title as a lien holder then not provide to the owner the title even after the loan has been paid in full. I am beyond frustrated with this and have spent so many hours trying to resolve this issue on my own. Please help any way you can.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went into the branch of Truist Bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, FL on XX/XX/year> at XXXX. I asked a banker to help me with two wire transfers. The banker confirmed that my account had sufficient funds. The banker then informed me that wire transfers were not allowed from my account. He said he could enable it, but it would take until Monday to be ready. He told me that I could get two cashier 's checks today as an alternative solution. I went to the teller and asked for the two cashier checks. The teller took don my information and asked me to wait. at XXXX the teller informed me that I could not get the checks, because the back office could not approve them until Monday. I told the teller that i was going to file a complaint, and the teller acknowledged this. I left the bank, unable to withdraw my funds, at XXXX. I called customer service and was on hold from XXXX to XXXX, when the bank closed. I still do not have my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The sent a letter stating they would be closing all of our account on or before XX/XX/year> and this letter was XX/XX/year>. I do not know why they are doing this but I need a definite answer because i have to change all of my pay and direct for my employer and my retirement accounts. I need to know if this has anything to do with an investigation or a past issue with my mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I demand immediate action on my account situation. I filed a dispute regarding an inquiry made on my credit report, despite not applying for any personal credit products. As a result, my business account was closed, and my personal checking account was put on hold. Despite numerous attempts to close all accounts, I was told to visit the nearest branch back in XX/XX/. When I did, the banker could not close the account due to an unknown restriction, and I was promised a call from a representative to close the account. It is now XX/XX/XXXX, and I have yet to receive any call, and I am still receiving statements from Truist. To add insult to injury, a {$12.00} maintenance fee has been deducted from my account every month. This situation is unacceptable, and I demand that my account be closed promptly, and the balance returned to me. My current checking account balance is {$110.00}, and my savings account balance is {$50.00}. This can not be legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A