Date Received: 2023-06-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone has hacked or gain access to my ( Truist ) bank account and made a payment with XXXX of {$1600.00} at XX/XX/XXXX. I then reported this to the fraud department which they said it would be refunded in 4 business days. I then got an email saying that they are not going to honor my claim. I have called their fraud department and they would not give me a clear explanation why this fraud is not being handled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22033
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XX/XX/23 Open checking account on line with Trusit. Deposited {$50.00}. Set up my direct deposit with OPM. In the days following I Received a few emails welcome me to Trusit. Received a debit card. Received a statement from Trusit dated XX/XX/23 showing my {$50.00} deposit. XX/XX/23 Try to get on line to my account. I contacted customer service- I was told my account was closed. I asked for a reason- no one would give me one. My pension was to be deposited into the account on XX/XX/23. On XX/XX/23 went to Trusit branch - manager said nothing she could do. I cant open account with them. Again no reason was given. Its XX/XX/23 I still havent received my pension. The bank has caused me much anguish and distress. My mortgage is due and I dont have the money to pay. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, a mobile deposit from a XXXX loan check in the amount of {$3200.00} was performed to a TRUIST checking account. On XX/XX/23, an email was received which stated the check was on hold and funds would be available XXXX. That morning a purchase was attempted via XXXX XXXX, debit card ( from this checking account ) but was declined. The balance was approximately {$5.00}, therefore a funds transfer was made for {$100.00} from another TRUIST savings account. This placed the balance at {$100.00}. At some point, during the day on XXXX XXXX after I contacted the TRUIST customer service line, I was informed every account was under review in the TRUIST fraud department. When I contacted the TRUIST fraud department, they stated all TRUIST accounts are unable to be accessed and I would not be able to access any funds, deposited or otherwise until the XXXX business days were consumed due to the analyst needing to review the check for fraud. An email, per TRUIST fraud representative was made to the supervisor on XX/XX/23 for them to return a phone call discussing the process within XXXX hours on business days. I also visited a TRUIST branch who attempted to release the funds from the accounts if it were directly deposited. All TRUIST accounts received the direct deposits on XX/XX/23 as scheduled. On XX/XX/23, a voicemail message was provided to the TRUIST fraud department with my name, number, and information. On XX/XX/23, the TRUIST fraud department was again contacted with the same information of the accounts are in review and it will be XX/XX/23 when the funds are available for all accounts. When questioned why, the TRUIST representative stated that check and the related accounts are all in review. I stated my relationship is being called into question and the answer was yes. This TRUIST representative made an appeal ( request ) to release the funds in the accounts not including the check in review. She told me to call back after XXXX XXXX. At XXXX I contacted the Truist fraud department again and was told that it was reviewed the request but declined. When I asked to escalate the matter, I was told Truist process was not to escalate and Truist would have to do that for everyone. When asked who reviewed the request there was resistance and the representative stated a supervisor could be contacted via email with a response in XXXX hour business days. I asked who reviews the requests and again was not provided that information. I asked when the supervisor would contact me from the XX/XX/23 email complaint and he stated XXXX hours from the complaint email. I asked to speak with the supervisor and told no that TRUIST 's policy does not permit this. I asked for an email to be sent again to the supervisor asking for a return call. The mainTRUIST customer line was called, I was transferred to the TRUIST fraud department again. This time the representative listened to all the information, looked at each individual account, acknowledged I had been a customer for 19 years and had direct deposits in all accounts. She proceeded to send another email to request funds deposited directly from the accounts. There has been no resolution at the present time of XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On or about XX/XX/XXXX I filed an affidavit of fraud with Truist Bank ( copy attached ). The fraud involved a business check that was mailed to me on or about XX/XX/XXXX that I never received nor did I know it was being sent to me. I found out about it in the end of XX/XX/XXXX when I was notified about some income tax information from the company that issued the check. The check was payable to me in the amount of {$7500.00} and the back of the check was signed with someone else 's name. It was an obvious fraud since the name on the back of the check was different from my name, and cashed or deposited at what I believe to be XXXX XXXXXXXX XXXX. The company that issued the check notified Truist of the fraud on XX/XX/XXXX. Neither the company that issued the check nor I have received any response from Truist except they are still looking into the matter. i would appreciate if you could help me recover this money. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a suntrust credit card from many years and when suntrust was taken over by Truist, I tried to get a new card as my old suntrust card was damaged, the new card was never sent, I am assuming due to the transition. Yesterday I got a notice that the account was being closed due to inactivity but the only reason it was closed was because I new card was not issued after repeated requests. I also did not receive notification that the account would be closed due to inactivity until after the date of closure which was XXXX XXXX XXXX Notice of the account closer was received on XX/XX/. They are now telling me the account can not be reopened and I am concerned with the impact to my credit rating due to the loss of available credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The law firm handling my mortgage has not had anyone in the office for me to talk to leasing up to this date. I have had to leave the state of XXXX to take care of my parents. I am owed 7months worth of payments by a renter, whom then trashed the house then up and left. I did evict.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 a fraudulent charge was made to my account with Truist. I asked to close the account agent she said she wouldn't be able to credit the charge back if I closed the account. Instead she debited the charge back to the card and then closed the account. She then reopened the account, credited the charge and now I have two cards feeding into the account. I was told they were investigating it and nothing could happen for 60 days and then it would be closed. Nothing happened in 60 days. I was never mailed any notice of an investigation. I have spoken with at least 20 people and I get a different excuse each time. I have closed all my accounts with Truist but this one credit card account, which now has two monthly statements being printed every month, is still open with a balance on both, which is earning interest. The balance from one needs to be credited to the other and it would cancel out the balance on the account. There are two debits and one credit ( one debit is a bank adjustment ) which appears on my online statement and also separate on a statement. The debit shown on my online account where there is a debit adjustment is the same as the one on the XXXX statement all by itself. I am being told that is not a real charge, it never affected my account. Well it is affecting my account now, because I am being charged interest on the invisible debit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, it has come to my attention that REGIONAL ACCEPTANCE CORP has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that REGIONAL ACCEPTANCE CORP has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am XXXX XXXX. I am writing the complaint to you again. On the XXXX of XXXX Truist bank closed my account without explanation. Both debit card and credit card were blocked. So I could not go on line to the account. Some payments were pending on credit card. It was a dispute about the flight with XXXX XXXX, they must return my money of XXXX dollars but I bought the ticket in the company XXXX XXXX. On the XXXX of XXXX I received the letter from Truist, that XXXX cents were received on the Truist account. I thought that the rest of money will be paid later. I never get any bills from Truist credit card and I could not get on the account online. I knew that some money was also pending on the card because XXXX gave me the {$20.00} refund issued on XX/XX/2023. XXXX received on : XX/XX/2023 on credit card account, also I had the rewards of XXXX dollars on the credit card. Yesterday I received email from Truist : '' Your credit card payment has not been processed. This is an automated message. Please do not reply directly to this email. We ran into an unexpected error. Hello XXXX, We were unable to complete your requested transaction due to an error during processing. Please initiate a new transaction request. XXXX From account : Truist Checking XXXX To account : Truist Consumer Credit Card XXXX Transaction date : XX/XX/2023 Amount : {$20.00} Confirmation : XXXX '' So, they began to charge interest to my credit card even without sending any bills to me, I called them yesterday and today I was talking to supervisor, she told me that they began to charge interest on my credit card before when the case was still pending. The credit card is not working since XXXX of XXXX, they did not send me any bills or any statements. Supervisor told me that I owe them XXXX dollars. So I want your help to stop their fraudulent activity. Supervisor told me on the phone that only today she will send me the statement on my credit card. Before there were no bills and no statements and the card was blocked. I ask your help to take off that interest payments on my closed credit card. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my account XX/XX/23 after being promised a {$400.00} account opening bonus. I was required to have 2 direct deposits totalling over {$1000.00} within 30 days of account opening. Then I was to be given the bonuses in 4-6 weeks. I have met all the requirements I called Truist and they ha e now put in 3 separate requests for why the bonus wasn't received. All of these requests take 10 business days but it has been over 60 days since the initial request and they still have no answer as to why I didn't receive the bonus or when I can expect it. I would not have chosen Truist if it weren't for the bonus and its misleading to new account openers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A