Date Received: 2023-06-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX a check was mailed to me drawn from a Truist Business Checking account. I never received the check nor did I know at that time a check was being mailed to me. It wasn't until approximately XX/XX/XXXX that I was told a check for {$7500.00} must have been stolen in the mail. The sender then notified Truist Bank of the missing check. Truist has told me that they are not responsible for missing checks after 30 days. After further inquiries I received the attached documents proving that my check was fraudulently cashed. The name of the person who cashed my check clearly does not match my name on the front of the check. Please help me to recover the money that was stolen from me. Thank you.
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I opened up a Bank Account ( Checking Account ) With Truist ( where my direct deposit with be going into. ) at the time when I opened up the bank account I didnt set up a PIN or anything, The Banker said I will receive my debit card in 5 - 7 business days. A Few days later on the XXXX of XXXX I drove out of state to go visit my mother but before that I visited the branch to get a temporary debit card but was advised that my account is not eligible and then I contacted there customer services representative to see how far my debit card is, Representative couldnt find nor provide that information. On XXXX Of XXXX when I returned back home I contacted truist customer service regarding my Debit card because prior I checked my mailbox and I didnt received any mails from Truist. Representative told me my debit card was activated and that there were ATM withdrawals transactions totaling {$3000.00}. Transactions date & amount ( {$500.00} withdrew on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$3000.00}. When I asked the representative how come I didnt received a notification regarding these transactions she couldnt provide a response. I advised the representative I never received my debit card nor set up a pin that these were fraudulent transactions & that the card was not activated by me. Representative transferred me to the fraud department we filed a claim regarding those transactions. On XXXX of XX/XX/2023 Fraudulent claim was denied Twice. Truist claim those transactions were authorized by me. I told the representative I had never received my debit card nor set up a pin for ATM transactions. On XXXX of XXXX contacted truist fraud department again for reinvestigation. Once again fraud claimed denied and said thats there final decision and they will not investigate. Advise the representative I filed a police report but said that it wont do anything and I asked what specific documentation I can provided agent couldnt clarify or provide a response. Asked representative if I can contacted the USPS but said theres nothing they will be able to do regarding this claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to a combination of COVID/Employment related issues we were granted a forbearance on our Mortgage. When it came time to bring it current we did not have enough to make the complete catch-up payment. We were offered and accepted a mortgage loan modification to move the past-due part to the end of the loan and bring things current. After submitting the paperwork and making corrections we made our first and second payments on the new modification agreement. Payment # 1 - {$1500.00} - Paid by phone on XX/XX/XXXX Payment # 2 - {$1500.00} - Paid by phone on XX/XX/XXXX For both of the above payments I had to call in to make the payment as the website would not allow be to make a payment. When I called in I was informed that this would be resolved once they finished processing everything on their side and to just continue to call in with the agreed upon monthly payment until then. During both calls I asked specifically if there was anything else that they needed me to do or if there was any other paperwork they required of me and in both cases I was told no, they had all they needed from me and to just give them time. On XX/XX/XXXX I received a call from Truist informing me that my loan modification had been canceled and the prior payments had been applied to now incurred fees. They stated this was due to paperwork they were lacking from me. I immediately recounted the above and asked them to pull the recordings of prior calls to verify. I again offered to do any further paperwork they needed and was told it was too late and there was nothing that could be done except to start the process over again with a fresh packet requesting a modification. No one could explain why there was no prior notice on this missing paperwork nor why it was never mentioned when I was making payments and asking about it. At that time I asked to speak to a supervisor and was advised one would have to call me back. I also asked to file a complaint and was told a different person would call me back to address that. Truist finally reached back out to me on XX/XX/XXXX to ask when I would be catching up my now in default loan. I advised the representative of the last call and asked if she was the supervisor I was waiting to speak to. I was informed she was not. She was able to verify that the requests for the call backs were in the system but had not yet occurred. Again, no supervisor is available and only a supervisor from a specific department can address this issue so she requested an escalation for the call back and advised me to wait for them to call. Trust reached out again on XX/XX/XXXX and the situation was the same as above. They wanted to know when I would bring things current. I asked the representative to review the notes on the account and after she did she also confirmed she could see the requests for the supervisor call back and that none had occurred and again escalated the issue. Trust again reached out on XX/XX/XXXX with the same situation again. Again after reviewing the notes and seeing that no callback had yet to occur advised me she would personally walk this to the right department and have someone call me back in XX/XX/XXXX after the holiday weekend. To this date I have not been able to speak with a supervisor in the right department to get this matter resolved. I am told that only these supervisors have the authority to review phone recordings and to reinstate agreements when errors occur. Given we are now at the start of the next moth I am in a difficult position. If I am to honor the agreed to mortgage modification I owe Truist an additional {$1500.00} today and am able and willing to pay it, but I have also been told by the phone reps that if I do make that payment it will just be accepted towards fees since it will not catch up the loan. As I have no way of knowing if Truist will make any of this right I am very hesitant to make the payment especially since they state it is now canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been calling truist department they have been transferring from one department back to the other Im tired of going back and forth between departments I just want my funds to be release cause Im done with this bank services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was able to open a checking account with Truist Bank. The account was immediately locked and flagged for " fraud ''. After speaking to a representative on the phone, I was told that I would not be able to close the account over the phone and would need to drive 400 miles to the nearest branch to close it. Account opened : XXXX XXXX deposited : {$50.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with Truist Bank on XX/XX/XXXX. The next day a letter was issued saying the account had been closed but arrived on XX/XX/XXXX. On XX/XX/XXXX, I was told I needed to go to the bank and bring my ID to finalize the account I started online. I did that and when I called customer service was told there was another issue. After numerous phone calls to no avail, I went in person in early XXXX to see what was going on with my account after receiving the letter dated XX/XX/XXXX. I spoke with a banker who informed me the account was closed and I would receive a check for the amount I had already deposited. I still continued to receive emails from Truist as though I had an active account. I called in XXXX timeframe to ask again where my check was and why the company continued to send me emails like I am a current customer. The agent I spoke with told me the account was shut down and she would make sure a check was issued. Today, XX/XX/XXXX, I got a call saying that my account ( which again, is supposed to be closed and funds returned ) is in the negative and has been for XXXX days. Since XXXX I have been completely locked out of the online banking and have not been able to see what fees have been taken from the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the week of XX/XX/2023 I made my first claim to Truist Bank case number XXXX. I visited on of the branch and I made six claims which adds up to the {$280.00}. Two weeks later, Truist Bank refunded me the {$280.00}. On XX/XX/2023, Truist withdrew the amount of {$130.00} claiming that part of those claims were made by me. I contacted the claims department and I spoke with XXXX to request for them to send me proof of receipt from the merchant. XXXX stated that they don't have any proof. On XX/XX/2023 I visited one of Truist Branch and I spoke with XXXX XXXX a branch leader located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. She refused to make five unauthorized claims that I needed to make instead she gave me the XXXX which is the Account Security Claims department. After I finished calling the claims department, I realized that those five claims adds up to {$220.00} the claims number is XXXX. I was able to receive the refund the same night because I told the claims representative that I needed that money right away because I was being evicted and I was about to become homeless. On XX/XX/2023 I was able to make my third unauthorized claims Case number is XXXX. I made Ten unauthorized claims that adds up to the amount of $ XXXX.There is no coincidence that those {$400.00} dollars that I was given as a part of a promotions that Truist had for new customers opening an account they are now deducting me. I'm currently being evicted and I need that money that Truist is refusing to credit me to move out. I'm begging this agency to assist me in resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO ND XXXX XXXX CO - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am currently banking with Truist Bank. I have been with them majority of my life. I have never had problems with fraudulent transactions until XX/XX/XXXX. The last transactions that were made by me were on XX/XX/XXXX at XXXX XXXX, XXXX and XXXX XXXX XXXX. I will attach all transactions below. I believe when I went to XXXX someone had a skimmer and stole my information because the following day I noticed 6 unauthorized transactions. The first was XXXX for XXXX, second was XXXX for XXXX, next was XXXX for XXXX, XXXX was XXXX XXXX for XXXX, next was XXXX by XXXX for XXXX and the last was for XXXX XXXX XXXXe for XXXX. I did not make ANY OF THESE and was denied by Truist for my claims because a chip a was used in their transactions. As soon as I noticed the transactions I called and filed the report. I need my money back and willing to provide any information to fight this because I am now down my hard earned money with no way to recover. I am wiling to explain in more detail if needed but I believe someone used a skimmer at the XXXX I went too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my account on or around XX/XX/XXXX. The promotional offer ( XXXX ) was successfully attached to my account. I received the requisite {$500.00} payroll deposits ( 2 of them ). However, when I withdrew my balance entirely to cover a bill, it seems that deemed me ineligible for the offer and that my account can't be checked for re-eligibility even though I now have a positive balance of {$500.00}. In the offer details, it does not state anywhere that an account can not be checked for eligibility. It simply states : Earn {$400.00} for opening a new Truist One Checking account from XX/XX/XXXX through XX/XX/XXXX and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening. I have also not met any of the qualifications for account forfeiture as deemed in the offer : Reward forfeiture will occur if : ( 1 ) the checking account is changed to an account type not included in this client offer, ( 2 ) the checking account is closed prior to the reward being processed, or ( 3 ) the new checking account has a negative available balance at the time of qualification validation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A