Date Received: 2023-06-03
Issue: Money was not available when promised
Subissue:
Consumer Complaint: The response from the bank did not address the missing amount of XXXX XXXX in my account that is owed to me via a check or ACH payment. So am providing an address that is not in their system to receive my check via USPS delivery Should they have problem releasing my funds to me. I authorize them to return all funds to the sender. At this time they are accountable for the specific amount Plz I need a full explanation to my email address from the bank, which I did not received. About the amount since the account was locked. I was told that no funds could leave the account XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: at XXXX XXXX on XX/XX/XXXX i initiated a XXXX payment for {$820.00} to be sent to my business account, the payment was place on hold and needed to be verified. i placed a call to Truist bank to verify my identity. but was told i can not do that since the number i have on file and held personally for 12 years can not be used since its not in my name but my spouse. i requested to have the XXXX canceled since i needed to use the funds to make some bill payments by the same day to avoid {$270.00} late fee but agin was meet with the same difficulty by two supervisor one by the name of XXXX XXXX, the bank insisted that the can not send a code to my phone number on file nor can the use any of the personal information or security questions on file to verify my identity and that i would have to find a local branch to verify my identity, never attempting to Properly verify my identity. i would like this matter investigated and safety guidlines become reviewed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There is an account with Truist that needs to be addressed. Its my fathers account that is still open. He has been deceased since XXXX. I inherited his property and had the mail forwarded to my house recently as we were moving utilities, etc .... The property came into my name in XXXX and I realized I should stop the mail. There is a bank account statement with XXXX in it and the bank is refusing to freeze it and says we have to come to the branch. We are in XXXX and this is in XXXX. We cant just come there, they need to have a freeze placed and we want to know who is using this account!! We knew there was an account but he died at XXXX and his home was ransacked so we couldnt find any information. Supposedly there wass XXXX in an account and now there is XXXX. We want it frozen we want answers so we can get an attorney and figure it out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchase a brand new XXXX XXXX XXXX and financed the purchase through Truist On XX/XX/XXXX - I refinanced the loan with XXXX XXXX XXXX XXXX. They provided me with a check in the amount of {$52000.00} to which I also included a personal check in the amount of {$170.00}. Both checks were to payoff the original loan and the checks were sent by certified mail, return receipt requested to the payoff address provided by Truist on XX/XX/XXXX. On XX/XX/XXXX the checks were received by Truist according to the return receipt postcard which was initialed by the recipient. On XX/XX/XXXX I called Truist to inquire about the status of the loan. They told to call back because the check was still being processed and I should hear something the following week. On XX/XX/XXXX, I called Truist again, and they told me the loan check was still not processed. On XX/XX/XXXX, I went to XXXX XXXX to explain the problem and to inform them that my payoff check had not been cashed. XXXX XXXX said give it some more time before cancelling the check. On XX/XX/XXXX, the same day after speaking with XXXX XXXX I called Truist to inquire about the check. They told me to wait until XX/XX/XXXX and then call again, that it may be still being processed. As a result of the mishandling of the check, I had to pay the XXXX loan payment to Truist. The XXXX payment also included a late fee. I did not pay the loan immediately because of the fact that the payoff check should have been received and processed by that time. I would now be responsible for the XXXX payment. On XX/XX/XXXX, I called Truist again and asked to speak with a supervisor. They finally opened up a case number for each of the missing checks- the check from XXXX XXXX XXXX # XXXX. And one for my personal check which was check # XXXX and XXXX # XXXX. Additionally, we filed a complaint case # XXXX for the way in which this whole issue had been handled. That complaint was to go to their advisory team. On XX/XX/XXXX, I received notification from XXXX XXXX that my first payment on the refinance would be due on XX/XX/XXXX they also asked for the title to be sent to them. In desperation, on XX/XX/XXXX, we went to XXXX XXXX to cancel the refinance loan, as I did not want to be responsible for paying two loans. I feel I was unjustly charged a late fee and have only received the run around from this company, Truist. They would not admit that the check has been lost, as we do have proof via the post office and the signed returned receipt that the checks were indeed received by them. Further we used the tracking number to confirm the checks were received by them. I would like any late fees to be returned to me along with compensation for the run around they have given me including a canceled check fee if one is charged for the refinance check. Further, given the way interest rates are on the rise, I may not be guaranteed the same rate if I choice to refinance the loan again. I feel they were extremely uncooperative through this process, even when I respectfully ask them to suspend the loan and any fees until this issue was resolved. They did not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I was online looking for a private money lender that could refinance my rental property. I came across a company called XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. I was told to make a down payment of {$7500.00} for a XXXX loan. I did the wire transfer of {$3500.00} and XXXX transfer of {$4000.00} but up to now, I have not received any funds. I reached out to my bank Truist, but they are not assisting me. Bank information where I sent the money. Bank Name : XXXXXXXX XXXX Account number : XXXX Routing : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: yesterday went on my account and i have a auto loan on my account which I have no kwoedge of I want it tooking off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Truist banking has charged me a second stop payment fee to a company I had initially placed a stop payment and paid the fee upon XXXX months prior. This has allowed the company I had originally stopped a payment against to withdraw funds from my account, and when I spoke over the phone to representatives within the company, I was definitely given the runaround, and then I personally went into a Truist banking facility, and was given to separate explanations XXXX from a manager, and XXXX from a member service representative, and neither of their explanations were the same. I complained and demanded a refund for the second stop payment charge. I had to make in order to stop a company from withdrawing funds even though I proved to them and showed them with documentation that I had already paid to stop payment fee. Very unprofessional from the branch manager at the truest banking facility I entered to try to dispute my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, we suffered a homeowner 's loss due to fire at our property located at XXXX XXXX XXXX, XXXX, PA XXXX. Through our public adjuster, we settled up with our insurance company and received an insurance check in the amount of {$86000.00} We have a home equity loan with Truist Bank and they were named as an additional payee on the check. On XX/XX/XXXX, we signed over an insurance check in the amount of {$86000.00} to Truist Bankas per their instructions along with their Affidavit of Damage and Repair. We completed the repairs to our property with our own funds while awaiting Truist to process our disbursement. On XX/XX/XXXX, we received a check in the amount of {$10000.00} and a second check in the amount of {$4700.00} due a contractor for XXXX services performed. We immediately contacted Truist for the balance of funds and agreed to an inspection per their requirements. Truist never showed up for the inspection and no one from their Loss Draft Department will assist. We have reached out to multiple branches with no resolution. They are holding {$71000.00} of our money and will not release it to us. We ask your assistance to hold them accountable to communicate with us and release the funds they are holding without reason. You can reach us at XXXX should you need any additional information to assist us. Thank you, XXXX & XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. XXXX XXXX XXXX XXXX Lightstream XXXX XXXX XXXX XXXX XXXX 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: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had fraud in my account and the problem never got resolved. I am unable to open more bank accounts because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A